Highest Business Savings Account Rates in Missouri
11 Missouri-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Missouri Rate:0.40% APYFDIC or NCUA Insured

The Missouri market

Missouri accounts

Institutions

Top Missouri APY

0.40% APY

Nationally: 3.90% APY

FDIC national average

0.37%

As of Sep 2026

11 business savings accounts are open only to Missouri residents, from 11 institutions. The highest advertised APY among them is 0.40%.

The highest nationally available rate is 3.90% APY, 350 basis points above the Missouri leader.

1 of the 11 Missouri business savings accounts advertises more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Missouri-Specific Business Savings Accounts

Business Savings accounts specifically available to Missouri residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Independent Farmers Bank Commercial Savings 0.40%APY Observed: Oct 7, 2026 Show Details	+$40per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#2	First State Bank of St. Charles, Missouri Corporate Savings 0.30%APY Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#3	Bank 21 Business Savings 0.25%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#4	First Federal Bank of Kansas City Business Statement Savings Up to0.15%APY Needs at least $1,000 Observed: Oct 13, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#5	Fidelity Bank, National Association Business High Interest Savings Up to0.10%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$2,500
#6	Southwest Missouri Bank Business Savings 0.10%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$5
#7	ANB Bank Business Savings 0.08%APY Observed: Oct 7, 2026 Show Details	+$8per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#8	Bank of Franklin County Business Growth Savings 0.05%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Requires Linked Account Features Low MinimumsIn-Person Access	$25
#9	Phelps County Bank Business Savings 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#10	Armed Forces Bank, National Association Business Savings 0.03%APY Observed: Oct 7, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#11	Bank of America Business Advantage Savings 0.01%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100

Independent Farmers Bank

Commercial Savings

+$40

per year

0.40% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	No monthly service charge. The business accounts table answers "Monthly Service Charge" with "No" for this account.
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11462)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteIndependent Farmers Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First State Bank of St. Charles, Missouri

Corporate Savings

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12219)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst State Bank of St. Charles, Missouri

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bank 21

Business Savings

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8560)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBank 21

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First Federal Bank of Kansas City

Business Statement Savings

+$15

per year

0.15% APY

Oct 13, 2026

Needs at least $1,000

APY Range: 0.10% – 0.15%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29047)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Federal Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Fidelity Bank, National Association

Business High Interest Savings

+$10

per year

0.10% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

FDIC InsuredMod. MinimumIn-Person Access

Show Fine Print & Trends

Min. Deposit	$2,500
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30895)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFidelity Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Southwest Missouri Bank

Business Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each withdrawal over six in a month is charged $1.

Show Fine Print & Trends

Min. Deposit	$5
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 22876)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSouthwest Missouri Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

ANB Bank

Business Savings

+$8

per year

0.08% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 19220)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteANB Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bank of Franklin County

Business Growth Savings

+$5

per year

0.05% APY

Oct 13, 2026

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A commercial or small business checking account is required to open this account.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 35543)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteBank of Franklin County

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Phelps County Bank

Business Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 18841)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePhelps County Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

Armed Forces Bank, National Association

Business Savings

+$3

per year

0.03% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4666)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteArmed Forces Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Bank of America

Business Advantage Savings

+$1

per year

0.01% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Business Savings Accounts

The 8 highest-rate business savings accounts available nationwide, including in Missouri.

Institution	Product / Term	APY	Min. Deposit
Prime Alliance Bank	Business Savings Accountneeds at least $200,000	Up to3.90%	$0
Climate First Bank	Super Savings	3.56%	$50
Axos Bank	Business Premium Savings	3.50%	$0
Capital One	Business Savings Account	3.50%	$0
Live Oak Bank	Business Savings	2.75%	$0
TAB Bank	Business Savings	0.25%	$25
Chase Bank	Chase Business Total Savingsneeds a linked account at the bank	0.01%	$0
Chase Bank	Chase Business Premier Savingsneeds a linked account at the bank	0.01%	$0

See the full national list