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 Kansas City, MO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 7 branches
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 - 3.70%APY$370 a year on $10,000
Requirements
Product: Online only account. Interest compounded daily and credited calendar quarterly. $10 monthly fee waived with $10,000 average daily balance. 3 free withdrawals per month, $2 per withdrawal thereafter.
Offer: Applies when daily balance is below $10,000 or account is not enrolled in eStatements. Monthly fee waived with average daily balance of $10,000 or more.
0.05% interest rate · Compounded daily · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for High Yield eSavings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 3.70% Rate checked
More details - 3.60%APY$360 a year on $10,000
Requirements
Product: Online only. High-yield online savings account available nationally. Interest is compounded monthly.
Offer: Online only. High-yield online savings account available nationally. Interest is compounded monthly.
3.54% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - North American Savings BankUltimate SavingsSavings · $10,000 min · 0.01%–3.60% by balance
Bank · 2 branches
3.60%APY$360 a year on $10,000Requirements
Product: Online only. Blended interest rate. Rates only available in the Greater Kansas City (KS/MO) area.
Offer: Blended interest rate. Available online through nasb.com only.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Ultimate Savings Balance APY Up to $50,000Your amount 3.60% $50,000 – $1,999,999 3.60% $2,000,000 and up 0.01% Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 11 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
2.96% interest rate · Effective Oct 5, 2026
Rate checked
More details - North American Savings BankSelect III SavingsSavings · $500 min · 2.50%–3.75% by balance
Bank · 2 branches
2.50%APY$250 a year on $10,000Requirements
Product: Tiered savings account. Monthly maintenance fee of $7.50 waived if minimum balance of $500 is met.
Offer: Monthly maintenance fee waived with $500 minimum balance.
$7.50 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Select III Savings Balance APY Up to $5,000 2.50% $5,000 – $25,000Your amount 2.50% $25,000 – $75,000 3.10% $75,000 and up 3.75% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Available online through nasb.com only. Interest compounded daily and paid monthly. A $30 account closure fee applies if the account is closed within 90 days of opening.
Offer: Available online through nasb.com only. Interest compounded daily and paid monthly.
Compounded daily · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Must be linked to a High Interest Checking or Cash Back Checking account (limit one Savings Plus account per checking account). If the associated checking account is closed, converted to Regular Savings.
Offer: Applies to balances up to $50,000 when linked High Interest Checking or Cash Back Checking monthly qualification cycle requirements are met. No monthly service fees.
Qualified rate · 2.47% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Savings Plus Balance APY Up to $50,000Your amount 2.50% $50,001 and upWhen linked High Interest Checking or Cash Back Checking qualifications are met, 0.35% interest rate is paid on the portion of daily balance greater than $50,000, resulting in a blended APY range from 2.50% to 1.07% depending on balance. 0.35%* Rate checked
More details - Blue Ridge Bank and Trust Co.Maximum Yield (MY) Savings AccountSavings · $25 min · 0.20%–2.06% by balance
Bank · 1 branch
2.06%APY$206 a year on $10,000with conditionsRequirements
Product: Requires a MY Checking account and meeting monthly qualifications: 12 or more debit or credit MasterCard POS purchases per monthly cycle, 1 ACH direct deposit or payment set up, active email account, registration for electronic statements, online banking registration, and applying for a free Blue Ridge Bank debit MasterCard. Paper statements available for a $5 monthly fee. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. $25 fee if closed within 180 days of opening.
Offer: Qualifications met in MY Checking.
Qualified rate · 2.04% interest rate · No monthly fee · Effective Feb 2, 2026
Rate by balance
Rate by balance for Maximum Yield (MY) Savings Account Balance APY Up to $25,000Your amount 2.06% Over $25,000Qualifications met in MY Checking; 0.20% 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 - 1.85%APY$185 a year on $10,000with conditions
Requirements
Product: Requires a Premier Plus Checking or Reward Checking account open and in good standing, and enrollment in eStatements. Limit 1 account per connected checking account. No recurring monthly service charges or fees. $100 minimum deposit to open.
Offer: When qualifications are met (Premier Plus Checking or Reward Checking open and in good standing, and enrolled in eStatements). Balances up to $25,000.00 receive 1.85% APY.
Qualified rate · No monthly fee · Effective Aug 21, 2024
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $25,000Your amount 1.85% Over $25,000When qualifications are met. 0.50%* Rate checked
More details - Central Bank of Kansas CityMoney MarketMoney Market · $1,000 min · 0.00%–3.30% by balance
Bank · 2 branches
1.76%APY$176 a year on $10,000Requirements
Product: The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
Offer: The interest rate and annual percentage yield may change after account opening. Minimum balance necessary to obtain the APY indicated. Fees could reduce earnings on the account.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 1.26% $10,000 – $25,000Your amount 1.76% $25,000 – $250,000 2.27% $250,000 – $1,000,000 2.78% $1,000,000 and up 3.30% Rate checked
More details - 1.75%APY$175 a year on $10,000
1.73% interest rate · Effective Oct 5, 2026
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 Kansas City, MO
100 accounts at 33 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.01%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.20%
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Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches