Highest Health Savings Account (HSA) Rates in Missouri
23 Missouri-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Missouri Rate:1.26% APYFDIC or NCUA Insured

The Missouri market

Missouri accounts

Institutions

Top Missouri APY

1.26% APY

Nationally: 1.01% APY

FDIC national average

0.37%

As of Sep 2026

23 health savings accounts (HSAs) are open only to Missouri residents, from 23 institutions. The highest advertised APY among them is 1.26%.

The highest nationally available rate is 1.01% APY, 25 basis points below the Missouri leader.

9 of the 23 Missouri health savings accounts (HSAs) advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Missouri-Specific Health Savings (HSA) Accounts

Health Savings (HSA) accounts specifically available to Missouri residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	MA Bank Health Savings Account 1.26%APY Observed: Oct 7, 2026 Show Details	+$126per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#2	First State Bank of St. Charles, Missouri Health Savings Account Up to1.05%APY Needs at least $25,000 Observed: Oct 7, 2026 Show Details	+$90per yearEffective: 0.90%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#3	Peoples Bank of Moniteau County HSA Checking 0.65%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$65per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#4	Bank of Franklin County Health Savings Account 0.50%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#5	Bank of Salem Health Savings Account 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#6	SULLIVAN BANK Health Savings Account (HSA) 0.50%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#7	Peoples National Bank , N.A. Health Savings Account Up to0.43%APY Needs at least $10,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$43per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#8	FCB Banks Health Savings Account (HSA) 0.40%APY No min. balance for APY Observed: Oct 12, 2026 Show Details	+$40per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#9	Citizens Bank Health Savings Up to0.35%APY Needs at least $10,000 No min. balance for APY Observed: Oct 3, 2026 Show Details	+$35per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#10	HomeBank Health Savings Account Up to0.45%APY Needs at least $25,000 Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$35per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#11	Adrian Bank Health Savings Account 0.25%APY Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#12	Great Rivers Bank Health Savings Account (HSA) 0.25%APY Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#13	Town & Country Bank Health Savings Account Up to0.25%APY Needs at least $1,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#14	Kennett Trust Bank Health Savings Accounts 0.17%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$17per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#15	Pony Express Bank HSA 0.15%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#16	First National Bank of Waterloo Health Savings Account 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0.01
#17	Southwest Missouri Bank Health Savings 0.10%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$10per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#18	Farmers and Merchants Bank of St. Clair Health Savings Account 0.20%APY On balances up to $4,999.99 · no rate stated above Observed: Oct 13, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#19	St. Johns Bank and Trust Company Health Savings Account 0.06%APY Observed: Oct 7, 2026 Show Details	+$6per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#20	Security Bank of Kansas City Health Savings Account 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#21	First Bank Health Savings Account 0.03%APY No min. balance for APY Observed: Oct 12, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#22	Great Southern Bank Health Savings Account (HSA) 0.02%APY Observed: Oct 7, 2026 Show Details	+$2per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#23	ANB Bank Health Savings Account 0.01%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100

MA Bank

Health Savings Account

+$126

per year

1.26% 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	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14695)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteMA Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First State Bank of St. Charles, Missouri

Health Savings Account

+$90

per year

1.05% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.50% – 1.05%

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

No movement is shown for an “Up to” rate.

Official SiteFirst State Bank of St. Charles, Missouri

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples Bank of Moniteau County

HSA Checking

+$65

per year

0.65% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15792)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePeoples Bank of Moniteau County

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bank of Franklin County

Health Savings Account

+$50

per year

0.50% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
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

Bank of Salem

Health Savings Account

+$50

per year

0.50% 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	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14349)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBank of Salem

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

SULLIVAN BANK

Health Savings Account (HSA)

+$50

per year

0.50% APY

Oct 13, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8892)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSULLIVAN BANK

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Peoples National Bank , N.A.

Health Savings Account

+$43

per year

0.43% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.38% – 0.43%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3809)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePeoples National Bank , N.A.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

FCB Banks

Health Savings Account (HSA)

+$40

per year

0.40% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 33005)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFCB Banks

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Citizens Bank

Health Savings

+$35

per year

0.35% APY

Oct 3, 2026

Needs at least $10,000

APY Range: 0.10% – 0.35%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14488)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCitizens Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

HomeBank

Health Savings Account

+$35

per year

0.45% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.25% – 0.45%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14492)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Adrian Bank

Health Savings Account

+$25

per year

0.25% 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: 8251)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteAdrian Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Great Rivers Bank

Health Savings Account (HSA)

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank charges a $25 fee each year on this account.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$25 annual fee
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3762)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGreat Rivers Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Town & Country Bank

Health Savings Account

+$25

per year

0.25% APY

Oct 7, 2026

Needs at least $1,000

APY Range: 0.11% – 0.25%

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 13071)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteTown & Country Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

Kennett Trust Bank

Health Savings Accounts

+$17

per year

0.17% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank charges a $25 maintenance fee once a year. It is not a monthly fee.

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	$0
Maintenance Fee	$25 yearly fee
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 18879)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteKennett Trust Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Pony Express Bank

HSA

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4526)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePony Express Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

First National Bank of Waterloo

Health Savings Account

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change at any time.

Show Fine Print & Trends

Min. Deposit	$0.01
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3842)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteFirst National Bank of Waterloo

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Southwest Missouri Bank

Health Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$50
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

#18

Farmers and Merchants Bank of St. Clair

Health Savings Account

+$10

per year

0.20% APY

Oct 13, 2026

On balances up to $4,999.99 · no rate stated above

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14056)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFarmers and Merchants Bank of St. Clair

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

St. Johns Bank and Trust Company

Health Savings Account

+$6

per year

0.06% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

ACH debits are not allowed on this account.

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: 8898)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSt. Johns Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

Security Bank of Kansas City

Health Savings Account

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	Minimum Balance Service Charge: $5 per month (waived with a $1,000 daily balance, and during the first 6 statement cycles after account opening)
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4705)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteSecurity Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

First Bank

Health Savings Account

+$3

per year

0.03% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12229)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

Great Southern Bank

Health Savings Account (HSA)

+$2

per year

0.02% 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: 29546)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted

-0.02%

Since 30 days ago

Official SiteGreat Southern Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

ANB Bank

Health Savings Account

+$1

per year

0.01% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
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

Nationally Available Health Savings (HSA) Accounts

The 2 highest-rate health savings (hsa) accounts available nationwide, including in Missouri.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal Health Saving Account	1.01%	$0
Omb Bank	Health Savings Accountneeds at least $25,000	Up to0.20%	$100

See the full national list