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 Columbia, MO metro
- Commercial Trust CompanySavings TieredSavings · $1,000 min · 0.00%–3.81% by balance
Bank · 2 branches
3.81%APY$381 a year on $10,000Requirements
Product: One account per customer social security number. Limited to 4 combined total withdrawals per month (withdrawals exceeding 4 charged $2.00 item fee per withdrawal over limit; internal transfers not counted as a withdrawal). Rates subject to change at financial institution's discretion.
Offer: Rate is current as of 08/20/2026. Minimum $1,000 to open.
0.00% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Savings Tiered Balance APY Up to $1,000 0.00%* $1,000 – $20,000Your amount 3.81% Over $20,000 0.05% Rate checked
More details - 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account to receive automatic transfers of rewards. Limit 1 account per SSN/ITIN.
Offer: Base rate applied to entire average daily balance when linked Kasasa Cash or Kasasa Cash Back qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 13, 2026
Rate by balance
Rate by balance for Free Kasasa Saver® Balance APY Any balance 0.05% Up to $25,000Your amount 2.00% $25,000 – $9,999,999 Unknown 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 - Multipli Credit UnionMoney MarketMoney Market · $1,000 min · 0.85%–2.20% by balance
Credit union · 5 branches
1.30%APY$130 a year on $10,000Requirements
Product: No monthly fees. Limit 3 withdrawals per month. Monthly dividends. Minimum balance of $1,000 to earn dividends and avoid a service fee; $0 minimum opening balance.
No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $9,999 0.85% $10,000 – $24,999Your amount 1.30% $25,000 – $99,999 1.80% $100,000 and up 2.20% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: Daily Balance Required. Maximum opening per TIN for CD and IRA specials is $1,000,000. $249,000 per account limit. Early withdrawal penalty applies.
1.15% interest rate · Effective Sep 22, 2026
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 - 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 - West Community Credit UnionMoney MarketMoney Market · $1,000 min · 0.50%–2.25% by balance
Credit union · 3 branches
0.60%APY$60 a year on $10,000Requirements
Product: Dividends paid monthly. Up to six withdrawals monthly. Additional deposits accepted. Tiered rates based on balance.
Offer: Minimum daily balance required to earn APY.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 1.00% $50,000 – $74,999 1.50% $75,000 – $99,999 1.75% $100,000 – $249,999 2.00% $250,000 and up 2.25% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Monthly balance fee of $2.00 imposed if balance falls below $500.00 any day of the month.
Offer: Monthly fee of $2.00 imposed if balance falls below $500.00 any day of the month.
0.55% interest rate · $2 monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Monthly balance fee of $2.00 waived if minimum balance of $50.00 is maintained each day of the month. For primary owners under 18 (or full-time students), minimum to open and earn interest is $10.00 and service charge fee is waived.
Offer: Monthly fee of $2.00 imposed if balance falls below $50.00 any day of the month.
0.40% interest rate · $2 monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Avoid the $5 semi-annual service charge by maintaining a $100 minimum balance. Interest is paid semi-annually. Includes 6 free transfers or withdrawals per month ($1 per excess transaction).
Offer: Assumes semi-annual compounding of interest. $5 semi-annual service charge waived with $100 minimum balance.
0.35% interest rate · Balance cap $9,999,999 · Effective Oct 13, 2026
Rate checked
More details - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 4 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Columbia, MO metro
43 accounts at 19 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.86%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.15%
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Columbia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 5 branches
- UMB BankBank · 2 branches
- United Credit UnionCredit union · 1 branch