Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Rolla, MO metro
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: A $6.00 monthly service fee can be waived by enrolling in online statements or maintaining an average balance of $1,000. 6 free withdrawals or transfers per month, $2 per transaction thereafter. Tiered rate account; see a personal banker for additional rate tier information.
Offer: Waive $6.00 monthly service fee by enrolling in online statements or maintaining an average balance of $1,000. Tiered rate account; see a personal banker for additional rate tier information.
Balance cap $25,000 · $6 monthly fee
Rate checked
More details - Town & Country BankPREMIUM GOLD Money MarketPREMIUM GOLD Money Market · $10,000 min · 0.71%–1.42% by balance
Bank · 3 branches
0.92%APY$92 a year on $10,0000.71% interest rate · Effective Feb 3, 2023
Rate by balance
Rate by balance for PREMIUM GOLD Money Market Balance APY Up to $10,000 0.71% $10,000 – $25,000Your amount 0.92% $25,000 – $100,000 1.13% $100,000 and up 1.42% Rate checked
More details - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of opening are not eligible. Must be a Missouri resident. Cannot be opened online. Opening deposit $10,000. $20 monthly service charge waived by maintaining an average daily ledger balance of $10,000 or more. $3 monthly paper statement fee avoided by enrolling in electronic statements. Up to 6 free withdrawals per monthly statement cycle ($5 per additional withdrawal). Variable rate. Must maintain a minimum balance of $2,500 in the account each day to obtain disclosed APY.
Offer: Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0.
0.00% interest rate · $20 monthly fee · Effective Nov 5, 2025
Rate by balance
Rate by balance for Consumer Premium Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.25% $10,000 – $50,000Your amountMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.35% $50,000 – $100,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.85% $100,000 – $250,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.63% $250,000 – $500,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.89% $500,000 – $1,000,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.04% $1,000,000 and upMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.56% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Standard savings account. $4.00 monthly service fee can be waived by maintaining a minimum daily balance of $300.00 (or average monthly balance of $300) or enrolling in online statements. 6 free withdrawals per month; after that, $1 per withdrawal.
Offer: Applies to balances $0.01 - $25,000.00. Rates subject to change daily.
Balance cap $25,000 · $4 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
0.15% interest rate · Balance cap $24,999.99 · Effective Jun 27, 2022
Rate checked
More details - The Bank of MissouriHigh Performance SavingsSavings · $10,000 min · 0.10%–0.21% by balance
Bank · 1 branch
0.12%APY$12 a year on $10,000Requirements
Offer: Compounding semi-annually. Interest paid semi-annually.
0.10% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for High Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.12% $50,000 – $100,000 0.15% $100,000 and up 0.21% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Quarterly service charge of $5 if daily balance falls below $100.
Offer: Compounding semi-annual. Interest paid semi-annually. Quarterly service charge of $5 if daily balance falls below $100.
0.10% interest rate · Effective Oct 4, 2026
Rate checked
More details - Phelps County BankPremier Money Market AccountPremier Money Market Account · $50 min · 0.05%–0.65% by balance
Bank · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: Account requires a $50.00 minimum initial deposit. This is a limited transaction account. The interest rate and annual percentage yield may change after account opening.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 and up 0.65% Rate checked
More details - The Bank of MissouriMoney Market PlusMoney Market Plus · $100 min · 0.07%–0.12% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000Requirements
Offer: Compounding: monthly
0.07% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $25,000Your amount 0.07% $25,000 – $100,000 0.10% $100,000 and up 0.12% Rate checked
More details - Riverways Federal Credit UnionGateway SavingsSavings · $5 min · 0.01%–0.10% by balance
Credit union · 1 branch
0.06%APY$6 a year on $10,000Requirements
Product: Primary savings account required to become a Member.
Offer: Earned on the first $9,999.99.
0.01% interest rate · Effective Jul 27, 2026
Rate by balance
Rate by balance for Gateway Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountEarned on the next $14,999.99. 0.06% $25,000 and upEarned on all over $24,999.99. 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Available to eligible heroes (Veterans, Active & Retired Military, National Guard and Reservists, Nurses, Firefighters, Emergency Medical Services, Professional Educators, School District Employees, Sheriffs, County Jailers, Corrections Officers, Juvenile Corrections Officers, Public Security Officers, Peace Officers, and Constables). Requires a High-Rate Checking account.
Offer: Base rate earned on all balances when High-Rate Checking qualifications are not met during a Monthly Qualification Cycle.
Qualified rate · No monthly fee · Effective Jul 1, 2025
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Rolla, MO metro
19 accounts at 8 banks and credit unions · checked Oct 16–17
- Typical
- 0.10%
- Top 10% from
- 1.20%
- Banks, typical
- 0.11%
- Credit unions, typical
- 0.05%
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Rolla, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Infuze Credit UnionCredit union · 2 branches