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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 Sedalia, MO metro · Few institutions in Sedalia, MO metro: choose a wider area in the filters
- 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked High Interest Checking or Cash Back Checking account. Limit of 1 account per Social Security Number. $25 minimum deposit to open. No recurring monthly maintenance fees.
Offer: Qualifying rate tier when linked checking account qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Sep 10, 2025
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 - 1.75%APY$175 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield may change after opening a transaction account. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
Offer: Minimum balance to obtain APY is $1,000.00.
1.75% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for MONEY MARKET Balance APY $1,000 – $25,000Your amount 1.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.50% $100,000 – $250,000 2.75% $250,000 and up 3.00% 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 - Equity BankRewards Money MarketRewards Money Market · $1,000 min · 0.30%–2.50% by balance
Bank · 1 branch
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 · 1 branch
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Monthly fee of $5.00 if balance falls below $25.00. Maximum of 6 withdrawals per month.
Offer: Minimum balance to obtain APY is $25.01 based on daily balance. Monthly fee of $5.00 applies if balance falls below $25.00.
0.25% interest rate · $5 monthly fee · Effective Sep 29, 2026
Rate checked
More details - The Missouri BankMoney Market Demand Account Consumer (MMDA Consumer)Money Market Demand Account Consumer (MMDA Consumer) · $1,000 min
Bank · 2 branches
0.25%APY$25 a year on $10,000Requirements
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly.
0.25% interest rate · $10 monthly fee
Rate checked
More details - The Missouri BankMoney Market Demand Account Gold (MMDA Gold)Money Market Demand Account Gold (MMDA Gold) · $1,000 min · 0.25%–1.11% by balance
Bank · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Current rate and APY are based on daily balance in account. No interest accrued if account balance falls below minimum at any time during the statement cycle.
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum.
0.25% interest rate · $10 monthly fee · Effective Aug 22, 2025
Rate by balance
Rate by balance for Money Market Demand Account Gold (MMDA Gold) Balance APY $1,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.55% $100,000 – $200,000 1.01% $200,000 – $1,000,000 1.01% $1,000,000 and up 1.11% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest is paid monthly. ATM transactions and direct ACH deposits are permitted. Monthly statements provided.
Offer: $4.00 monthly service fee waived unless account balance falls below the $300 minimum at any time during the statement cycle.
0.25% interest rate · $4 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Passbook must be present for all transactions. No EFT activity permitted, including ACH deposits, ACH payments to third parties, internet banking transfers, or other electronic activity. Interest is earned quarterly. Annual statements provided.
Offer: No daily minimum balance. No monthly service charge ($5.00 fee applies for lost passbooks). Earns quarterly interest.
0.25% interest rate · No monthly fee
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
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 Sedalia, MO metro
19 accounts at 5 banks and credit unions · checked Oct 16
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.10%
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Sedalia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Central Missouri Community Credit UnionCredit union · 1 branch