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 Warrensburg, MO metro · Few institutions in Warrensburg, MO metro: choose a wider area in the filters
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 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 - Community National Bank & TrustPlatinum Savings AccountSavings · $5,000 min · 0.15%–1.91% by balance
Bank · 1 branch
1.91%APY$191 a year on $10,000Requirements
Product: Variable rate account; rate may change after account is opened. $2 monthly service charge waived by maintaining an average daily balance of $25 or more. Includes 6 free withdrawals per cycle ($1 fee per excess withdrawal) and 30 free deposited items per month ($0.25 fee per excess deposited item). Paper statement option has a $1.00 monthly service fee.
Offer: Applies to balances below $5,000. Interest paid quarterly. Variable rate.
0.15% interest rate · $2 monthly fee · Effective Jan 30, 2026
Rate by balance
Rate by balance for Platinum Savings Account Balance APY Up to $5,000 0.15% $5,000 – $25,000Your amount 1.91% $25,000 – $50,000 1.91% $50,000 – $100,000 1.91% Rate checked
More details - Central Missouri Community Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–2.02% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Must become a member of CMCCU. Minimum balance requirement is $2,500. No more than six (6) preauthorized, automatic, or telephone transfers may be made from this account to another in any month, with no more than three (3) made by check or draft to a third party.
Offer: Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed.
0.50% interest rate · $10 monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $10,000Your amount 1.01% $10,000 – $25,000 1.51% $25,000 – $50,000 1.76% Over $50,000 2.02% Rate checked
More details - Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - Equity BankRewards Money MarketRewards Money Market · $1,000 min · 0.30%–2.50% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Rewards Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Rewards Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Rewards Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.50% Rate checked
More details - Equity BankPerks Plus Money MarketPerks Plus Money Market · $1,000 min · 0.30%–2.25% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Perks Plus Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Perks Plus Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Perks Plus Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.25% Rate checked
More details - Central Missouri Community Credit UnionRegular Share AccountSavings · $50 min
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Establishes membership in CMCCU. Minimum opening deposit of $1.00 (par value of one share). No monthly or quarterly service fees. Minimum balance of $50.00 to earn stated rate.
Offer: Dividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate. Requires $1.00 minimum opening deposit.
0.10% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Trust share account requiring a minimum balance of $50.00 to earn the stated rate.
Offer: Dividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate.
0.10% interest rate · Effective Sep 30, 2026
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 - Equity BankChrome Money MarketChrome Money Market · $1,000 min · 0.05%–2.01% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000intro rateRequirements
Product: Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money.
Promotional rate · Compounded monthly
Rate by balance
Rate by balance for Chrome Money Market Balance APY Up to $24,999Your amount 0.05% $25,000 – $100,000 0.50% $100,000 and up 2.01% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
Offer: Monthly service fee waived with $100 minimum daily ledger balance.
0.02% interest rate · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 2 branches
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% 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 Warrensburg, MO metro
15 accounts at 6 banks and credit unions · checked Oct 16
- Typical
- 0.30%
- Top 10% from
- 2.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.10%
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Warrensburg, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- R-G Federal Credit UnionCredit union · 2 branches
- UMB BankBank · 1 branch
- Central Missouri Community Credit UnionCredit union · 1 branch