Highest Money Market Rates in Missouri
76 Missouri-specific accounts
Top Missouri Rate:4.00% APYFDIC or NCUA Insured
The Missouri market
Missouri accounts
76
Institutions
58
Top Missouri APY
4.00% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
76 money market accounts are open only to Missouri residents, from 58 institutions. The highest advertised APY among them is 4.00%.
The highest nationally available rate is 4.00% APY, the same as the Missouri leader.
48 of the 76 Missouri money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Missouri-Specific Money Market Accounts
Money market accounts specifically available to Missouri residents.
| Institution | Product / Term | APY |
|---|---|---|
| Farmers and Merchants Bank of St. Clair | Premium MMDAneeds at least $250,000 | 4.00% |
| FCB Banks | Hometown Money Market (with Direct Deposit)needs at least $1,000,000 · requires direct deposit | 3.85% |
| FCB Banks | Hometown Money Market (without Direct Deposit)needs at least $1,000,000 | 3.75% |
| UMB Bank, National Association | UMB Retail Money Marketneeds at least $10,000 | 3.71% |
| First Mid Bank & Trust, National Association | Jumbo Money Marketneeds at least $250,000 | 3.70% |
| Bank Northwest | Pinnacle Money Marketbalances of $1,500,000 to $99,999,999.99 only | Up to3.56% |
| First State Bank of St. Charles, Missouri | Money Market Account Specialneeds at least $50,000 | 3.50% |
| Heritage Bank of the Ozarks | Premium Money Marketneeds at least $150,000 | 3.50% |
| First Federal Bank of Kansas City | Money Marketneeds at least $500,000 | Up to3.45% |
| Central Bank of Kansas City | Money Marketneeds at least $1,000,000 | Up to3.30% |
| Midland States Bank | Relationship Money Marketneeds at least $25,000 · needs a linked account at the bank | Up to3.25% |
| Armed Forces Bank, National Association | Premier Money Marketneeds at least $250,000 · promotional rate | Up to3.05% |
| HomeBank | Personal Super Money Fundneeds at least $500,000 | Up to3.05% |
| Community Bank of Missouri | Money Managementneeds at least $500,000 | Up to3.04% |
| Pony Express Bank | Money Marketneeds at least $500,000 | Up to3.04% |
| Bank 21 | Money Marketneeds at least $250,000 | Up to3.00% |
| Great Southern Bank | Money Market Plus | 2.78% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| HNB National Bank | Money Marketneeds at least $250,000 | Up to2.75% |
| Community Bank of Pleasant Hill | Premier Money Management Account | 2.50% |
| Community Bank of Raymore | Premier Money Management Account | 2.50% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| The First National Bank of Nevada, Missouri | Super Money Market Accountneeds at least $250,000 | Up to2.50% |
| Academy Bank, National Association | Premier Money Marketneeds at least $250,000 | Up to2.20% |
| 1st Advantage Bank | ADVANTAGE Money Marketneeds at least $250,000 · needs a linked account at the bank | Up to2.10% |
| 1st Advantage Bank | Personal Money Marketneeds at least $250,000 | Up to2.10% |
| FCB Banks | Jumbo Money Marketneeds at least $96,000 | 2.10% |
| The Bank of Old Monroe | Money Marketneeds at least $250,000 | Up to2.02% |
| FCB Banks | Premier Money Marketneeds at least $96,000 | Up to2.00% |
| Fidelity Bank, National Association | Relationship Money Marketneeds at least $100,000 | Up to2.00% |
| Security Bank of Kansas City | Money Marketneeds at least $1,000,000 | Up to1.99% |
| Chester National Bank | Money Market Accountneeds at least $100,000 | Up to1.83% |
| Exchange Bank & Trust | Money Market Accountneeds at least $250,000 | Up to1.80% |
| Freedom Bank of Southern Missouri | Money Marketneeds at least $250,000 | Up to1.76% |
| ANB Bank | Personal Premium Money Marketneeds at least $5,000,000 | Up to1.55% |
| The Citizens-Farmers Bank of Cole Camp | Money Market Accountneeds at least $50,000 | Up to1.51% |
| Town & Country Bank | Premium Gold Money Marketneeds at least $100,000 | Up to1.42% |
| United State Bank | Advantage Money Marketneeds at least $50,000 | Up to1.36% |
| MA Bank | Money Market Checkingneeds at least $50,000 | Up to1.26% |
| United State Bank | USB Plus Money Marketneeds at least $25,000 | 1.26% |
| Blue Ridge Bank and Trust Co. | Maximum Yield Money Marketneeds at least $85,000 | 1.00% |
| HomeBank | Money Marketneeds at least $200,000 | Up to1.00% |
| Peoples Bank of Moniteau County | Money Market Deposit Accountneeds at least $25,000.01 | Up to1.00% |
| First State Bank of St. Charles, Missouri | Personal Money Marketneeds at least $200,000 | Up to0.85% |
| Bank of Washington | Money Market Depositneeds at least $250,000 | Up to0.80% |
| Blue Ridge Bank and Trust Co. | Regular Money Marketneeds at least $50,000 | Up to0.75% |
| Phelps County Bank | Premier Money Marketneeds at least $25,000 | Up to0.65% |
| Security Bank of Southwest Missouri | Money Accountneeds at least $25,000 | Up to0.65% |
| Adrian Bank | Money Marketneeds at least $25,000 | Up to0.50% |
| Bank of Salem | Money Market Accountneeds at least $100,000 | Up to0.50% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Missouri.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |