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 St. Joseph, MO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 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 - 3.60%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 · 1 branch
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 - United Consumers Credit UnionPreferred Money MarketPreferred Money Market · $10,000 min · 2.80%–3.25% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: $5 monthly fee applies for balances below $2,500. Includes 3 free withdrawals in-person, by mail, or pre-authorized/drafts/debit card transactions per month; $3 per transaction for the next 3 transactions, and $30 per transaction for 7 or more transactions.
2.76% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Preferred Money Market Balance APY $2,500 – $10,000 2.80% $10,000 – $50,000Your amount 3.00% $50,000 – $75,000 3.20% $75,000 and up 3.25% Rate checked
More details - North American Savings BankSelect III SavingsSavings · $500 min · 2.50%–3.75% by balance
Bank · 1 branch
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 - Postal & Community Credit UnionMoney Market AccountsMoney Market Accounts · $1,000 min · 2.00%–3.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: Rates effective October 13 to October 26, 2026. Nominal Interest Rate (NIR) and APY tiered by minimum balance. Maintaining a minimum balance of $1,000 earns interest; minimum deposit of $25.00; minimum withdrawal is $200; interest paid monthly. Up to three checks per month and six cash withdrawals per month without incurring a fee.
Promotional rate · 1.98% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $1,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 2.75% $100,000 and up 3.00% Rate checked
More details - United Consumers Credit UnionFree Kasasa SaverSavings · $100 min · 0.15%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Links to Free Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
Offer: Qualifying rate when linked Kasasa Cash/Cash Back qualifications are met during Monthly Qualification Cycle.
Qualified rate · 1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 2.00% $50,000 and up 0.15% 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 - Holy Rosary Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. A $3 monthly fee applies if the balance falls below $1,000 at any time. Must maintain the minimum daily balance required to earn the applicable APY. Variable APY.
Offer: Monthly fee of $3 applies if balance falls below $1,000 at any time; waived for balances $1,000+.
0.25% interest rate · $3 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.25% $2,000 – $10,000 1.25% $10,000 – $25,000Your amount 1.50% $25,000 – $75,000 3.25% $75,000 – $200,000 3.50% $200,000 and up 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 - United Consumers Credit UnionClassic Money MarketClassic Money Market · $2,500 min
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: $3 monthly fee applies for balances below $1,000. Includes 3 free withdrawals in-person, by mail, or pre-authorized/drafts/debit card transactions per month; $3 per transaction for the next 3 transactions, and $30 per transaction for 7 or more transactions.
1.00% interest rate · $3 monthly fee
Rate checked
More details - 0.95%APY$95 a year on $10,000
Requirements
Product: A $25.00 minimum deposit holds membership. Dividends are paid quarterly. Deposits are insured up to $250,000 by NCUA.
0.95% interest rate
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% 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 St. Joseph, MO
38 accounts at 14 banks and credit unions · checked Oct 16–17
- Typical
- 0.33%
- Top 10% from
- 2.65%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.78%
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St. Joseph, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Postal & Community Credit UnionCredit union · 2 branches
- United Consumers Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches