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 Cape Girardeau, MO
- 3.56%APY$356 a year on $10,000with conditions
Requirements
Product: Must be linked to Reward Checking account. Free account with e-statements; optional paper statement fee is $4.00 per statement cycle. Interest and ATM refunds from Reward Checking automatically transfer to Saver each monthly qualification cycle.
Offer: Qualifying tier for portion of daily balance up to $25,000.00 (less than $25,000.01) when qualifications are met: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Oct 6, 2025
Rate by balance
Rate by balance for Reward Saver Balance APY Up to $25,000Your amount 3.56% Over $25,000Blended APY ranges from 3.562% to 1.00% (or 0.2497%). Qualifications: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. 0.25% Rate checked
More details - 3.01%APY$301 a year on $10,000with conditions
Requirements
Offer: 12 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet
Qualified rate · 2.97% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Montgomery eGold Savings Balance APY Up to $50,000Your amount 3.01% Over $50,000 0.07% Rate checked
More details - 2.01%APY$201 a year on $10,000with conditions
Requirements
Product: Requires linked Montgomery eBlue Checking account. Minimum opening deposit is $100. No monthly maintenance fee. Limited to one account per individual.
Offer: Applies to daily collected balances up to $50,000 when qualification activity requirements on linked eBlue Checking are met (at least 12 debit card POS purchases, at least 1 direct deposit or recurring ACH auto debit, maintain valid email and free eStatements).
Qualified rate · 1.99% interest rate · Balance cap $50,000 · Effective May 1, 2026
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 - 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 - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 2 branches
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends rates are declared by the Board and paid quarterly and are subject to change without notice. Last declared and paid in March 2026.
Offer: Min. balance required to earn div.: $2,500. Dividends paid quarterly.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership eligibility required. With a $25 initial deposit, you become a member-owner.
Offer: Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $50 required to earn dividends.
0.25% interest rate
Rate checked
More details - The Bank of MissouriHigh Performance SavingsSavings · $10,000 min · 0.10%–0.21% by balance
Bank · 3 branches
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 - The Bank of MissouriMoney Market PlusMoney Market Plus · $100 min · 0.07%–0.12% by balance
Bank · 3 branches
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 - 0.07%APY$7 a year on $10,000
Requirements
Product: Minimum opening deposit of $10,000. $10 quarterly service fee waived with a minimum balance of $10,000.
Offer: Quarterly service fee of $10 waived with $10,000 minimum balance.
0.07% interest rate
Rate checked
More details - Montgomery BankMontgomery Gold Money Market CheckingMontgomery Gold Money Market Checking · $100 min
Bank · 2 branches
0.07%APY$7 a year on $10,000Requirements
Product: Minimum balance to avoid service fee is $2,500. Minimum opening deposit is $100.
Offer: Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee.
0.07% interest rate · No monthly fee
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 Cape Girardeau, MO
26 accounts at 8 banks and credit unions · checked Oct 16–22
- Typical
- 0.07%
- Top 10% from
- 2.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.25%
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Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- 1st MidAmerica Credit UnionCredit union · 1 branch