Skip to main content

Highest Savings Rates in Missouri
109 Missouri-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Missouri Rate:5.00%

The Missouri market

Missouri accounts

109

Institutions

75

Top Missouri APY

5.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

109 savings accounts are open only to Missouri residents, from 75 institutions. The highest advertised APY among them is 5.00%.

The highest nationally available rate is 5.00% APY, the same as the Missouri leader.

40 of the 109 Missouri savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Missouri-Specific Savings Accounts

These savings accounts are specifically available to Missouri residents.

#1

Academy Bank, National Association

Oloy High-Yield Savings Account

+$385
per year
4.15% APY
Oct 13, 2026

On balances of $25,000 to $2,999,999.99 · 3.85% below

APY Range: 0.25% – 4.15%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The stated APY applies to balances up to $3,000,000. Balances above that cap earn a much lower rate. eStatements are required on this account.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19600)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteAcademy Bank, National Association

Direct Link to Product Page (Not Sponsored)

#2

Southern Bank

Platinum Savings

+$306
per year
3.06% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The rate is the 3-month Treasury bill rate (secondary market) minus 1%, and the rate and APY change monthly on the first business day. The $10 monthly service fee is waived with an average daily balance of $10,000 or with enrollment in online statements. Each withdrawal or transfer after 6 per month costs $1.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28332)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.25%
Since 7 days ago
Official SiteSouthern Bank

Direct Link to Product Page (Not Sponsored)

#3

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#4

First Bank

Icon High-Yield Savings

+$290
per year
2.90% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12229)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.15%
Since 30 days ago
Official SiteFirst Bank

Direct Link to Product Page (Not Sponsored)

#5

North American Savings Bank, F.S.B.

High-Rate Savings

+$250
per year
2.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29708)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNorth American Savings Bank, F.S.B.

Direct Link to Product Page (Not Sponsored)

#6

North American Savings Bank, F.S.B.

Select III Savings

+$250
per year
3.75% APY
Oct 13, 2026

Needs at least $75,000

APY Range: 2.50% – 3.75%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$500
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29708)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteNorth American Savings Bank, F.S.B.

Direct Link to Product Page (Not Sponsored)

#7

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#8

Blue Ridge Bank and Trust Co.

Maximum Yield (MY) Savings Account

+$206
per year
2.06% APY
Oct 3, 2026

On balances up to $25,000 · 0.20% above

APY Range: 0.20% – 2.06%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A Maximum Yield Checking account is required, and its monthly qualifications must be met, to earn the premium rate: electronic statements, 12 or more debit card point-of-sale purchases, and one ACH direct deposit or payment each statement cycle. The premium rate applies only to the first $25,000. Balances above $25,000, and every balance in a statement cycle whose qualifications are not met, earn the lower rate shown on the rate page.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17933)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBlue Ridge Bank and Trust Co.

Direct Link to Product Page (Not Sponsored)

#9

Fm Bank And Trust

Reward Saver

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Rate applies when the monthly qualifications of the linked Reward Checking account are met. Otherwise the account pays a lower base rate. The account must be linked to a Reward Checking account.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1027)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFm Bank And Trust

Direct Link to Product Page (Not Sponsored)

#10

Pony Express Bank

Kasasa Saver

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

The top rate covers the first $35,000 in a month the linked Kasasa Cash account meets its qualifications. In other months the whole balance earns the minimum rate.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4526)
EligibilityUnited 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)

#11

Regional Missouri Bank

Kasasa Saver

+$200
per year
2.00% APY
Oct 13, 2026

On balances up to $25,000 · 0.30% above

APY Range: 0.30% – 2.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The stated rate applies to the part of the balance up to $25,000. The part above $25,000 earns a much lower rate, so the yield on the whole balance falls as the balance grows. The account must be linked to a Kasasa Cash or Kasasa Cash Back checking account, and the stated rate is earned only in a month in which that account meets its qualifications: one direct deposit or ACH transaction, twelve debit card purchases, and enrolment in electronic statements. A lower base rate applies for a month in which they are not met.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18385)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRegional Missouri Bank

Direct Link to Product Page (Not Sponsored)

#12

Community National Bank & Trust

Platinum Savings

+$191
per year
1.91% APY
Oct 7, 2026

Needs at least $5,000

APY Range: 0.15% – 1.91%
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27046)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCommunity National Bank & Trust

Direct Link to Product Page (Not Sponsored)

#13

1st Advantage Bank

Investment Savings

+$150
per year
3.10% APY
Oct 5, 2026

Needs at least $1,000,000

APY Range: 1.50% – 3.10%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57899)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official Site1st Advantage Bank

Direct Link to Product Page (Not Sponsored)

#14

United Bank of Union

Companion Savings Account

+$150
per year
1.50% APY
Oct 3, 2026

Needs at least $1,000

APY Range: 0.35% – 1.50%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The account can be opened only alongside an authorised certificate of deposit at this bank. A deposit into it is allowed only when a new certificate is opened at the same time, and the deposit cannot exceed the amount of that certificate. If the daily balance falls below $1,000 the account earns the bank's Personal Savings rate instead.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Bank of Union

Direct Link to Product Page (Not Sponsored)

#15

First Federal Bank of Kansas City

Grow Savings Account

+$132
per year
5.00% APY
Oct 13, 2026

On the first $2,499.99 · 0.10% above

APY Range: 0.10% – 5.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

An active consumer checking account is required to open this account. The stated APY applies only to balances up to $2,499.99. Once the balance reaches $2,500 the bank quotes a blended APY for the account.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29047)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFirst Federal Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

#16

First Independent Bank

Free Kasasa Saver

+$100
per year
1.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Requires a Kasasa Cash or Kasasa Cash Back checking account.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18380)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteFirst Independent Bank

Direct Link to Product Page (Not Sponsored)

#17

Bank Northwest

Northwest Heritage Savings

+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16601)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank Northwest

Direct Link to Product Page (Not Sponsored)

#18

Heritage Bank of the Ozarks

Neighbor Rewards Savings

+$75
per year
0.75% APY
Oct 3, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A Neighbor Rewards Checking account is required. The APY decreases for balances over $100,000.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57576)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHeritage Bank of the Ozarks

Direct Link to Product Page (Not Sponsored)

#19

MA Bank

1893 Savings Account

+$75
per year
0.75% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$3 fee waived on daily balances over $200
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14695)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteMA Bank

Direct Link to Product Page (Not Sponsored)

#20

The Citizens-Farmers Bank of Cole Camp

Regular Savings

+$65
per year
0.65% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Four withdrawals a month are allowed without a fee. Each withdrawal above that is charged a fee.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$1
Maintenance Fee$0
Compound Freqsemi-annually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11463)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Citizens-Farmers Bank of Cole Camp

Direct Link to Product Page (Not Sponsored)

#21

The Corner Stone Bank

Regular Savings

+$60
per year
0.60% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9388)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Corner Stone Bank

Direct Link to Product Page (Not Sponsored)

#22

HomeBank

Supreme Savings

+$55
per year
0.55% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Six withdrawals are allowed each month, and each further withdrawal in the same month is charged $1.

Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14492)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

#23

CENTURY

Boost Teen Account Savings

+$50
per year
0.50% APY
Oct 13, 2026
Low MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCENTURY

Direct Link to Product Page (Not Sponsored)

#24

FCB Banks

Savings & Student Savings

+$50
per year
0.50% APY
Oct 12, 2026

Needs at least $500

APY Range: 0.35% – 0.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33005)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFCB Banks

Direct Link to Product Page (Not Sponsored)

#25

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#26

HNB National Bank

Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

Six debits are allowed each quarter. Each debit after the sixth in a quarter costs $1.00.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4540)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHNB National Bank

Direct Link to Product Page (Not Sponsored)

#27

HomePride Bank

Kasasa Saver

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A linked Kasasa Cash or Kasasa Cash Back checking account is required. The advertised rate is earned only in a monthly qualification cycle in which the linked checking account meets its requirements: at least one direct deposit or ACH transaction, at least 12 debit card purchases, and enrolment in e-statements. In a qualifying cycle the advertised rate applies to balances up to $25,000, and the portion of the balance over $25,000 earns a lower rate. A lower rate applies in a cycle in which those requirements are not met. The account stays free either way.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11466)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomePride Bank

Direct Link to Product Page (Not Sponsored)

#28

Peoples Savings Bank

Kasasa Saver

+$50
per year
0.50% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the monthly qualifications of the linked Kasasa Cash or Kasasa Cash Back checking account are met. Otherwise the account earns the base interest rate.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34973)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SitePeoples Savings Bank

Direct Link to Product Page (Not Sponsored)

#29

Pinnacle Bank

PinnSavings Account

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened. The published rate applies to an account opened online; the rate for an account opened at a branch can differ.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$200
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10634)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SitePinnacle Bank

Direct Link to Product Page (Not Sponsored)

#30

The Bank of Old Monroe

Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Withdrawals above six per statement period cost $2.00 each. A qualifying student, or a customer aged 60 or older, can have the monthly service charge waived.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1655)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Bank of Old Monroe

Direct Link to Product Page (Not Sponsored)

#31

Peoples National Bank , N.A.

Statement Savings

+$42
per year
0.42% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3809)
EligibilityUnited 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)

#32

Freedom Bank of Southern Missouri

Savings Account

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account allows four withdrawals each month. Each withdrawal above that costs $1.00.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35276)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFreedom Bank of Southern Missouri

Direct Link to Product Page (Not Sponsored)

#33

HomeBank

Basic Savings

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Six withdrawals are allowed each month, and each further withdrawal in the same month is charged $1. A primary owner under the age of 18 who gives the bank a date of birth opens with $10 instead of $50 and pays no monthly balance fee until the account holder turns 18.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14492)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

#34

Paramount Bank

Personal Statement Savings

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57884)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteParamount Bank

Direct Link to Product Page (Not Sponsored)

#35

Peoples Bank of Moniteau County

Passbook Savings

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account allows no automatic debit transactions. Withdrawals made in person at a branch are unlimited.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqsemi-annually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15792)
EligibilityUnited 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)

#36

Regional Missouri Bank

Regular Savings

+$35
per year
0.35% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is applied twice a year, not monthly. Six transfers or withdrawals each month are free, and each one above that is charged $1.00. Transfers and withdrawals made in a branch are unlimited.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance FeeAvoid the $5 semi-annual service charge by maintaining a $100 minimum balance
Compound Freqsemi-annually
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18385)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRegional Missouri Bank

Direct Link to Product Page (Not Sponsored)

#37

United Bank of Union

Personal Savings

+$35
per year
0.35% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14334)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Bank of Union

Direct Link to Product Page (Not Sponsored)

#38

CENTURY

Regular Share Savings

+$30
per year
0.30% APY
Oct 13, 2026
Low MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCENTURY

Direct Link to Product Page (Not Sponsored)

#39

CENTURY

Quick Stash Savings

+$30
per year
1.00% APY
Oct 13, 2026

On balances up to $999.99 · 0.30% above

APY Range: 0.30% – 1.00%
No MinimumsIn-Person Access

What to Watch

The highest rate applies to balances up to $1,000. Balances of $1,000 or more earn a lower rate. Savings are added by rounding up purchases made with a Century Visa debit card.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceCheck Terms
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteCENTURY

Direct Link to Product Page (Not Sponsored)

#40

Chester National Bank

Savings

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $25 fee applies if the account is closed within 90 days of opening.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$30
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30220)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteChester National Bank

Direct Link to Product Page (Not Sponsored)

#41

Fidelity Bank, National Association

Step-Up Savings

+$30
per year
0.30% APY
Oct 7, 2026

Needs at least $1,000

APY Range: 0.10% – 0.30%
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30895)
EligibilityUnited 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)

#42

First State Bank of St. Charles, Missouri

Regular Savings

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Two withdrawals each month are free. Each additional withdrawal costs $1.00.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12219)
EligibilityUnited 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)

#43

North American Savings Bank, F.S.B.

Statement Savings

+$30
per year
0.30% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29708)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNorth American Savings Bank, F.S.B.

Direct Link to Product Page (Not Sponsored)

#44

The First National Bank of Nevada, Missouri

Savings

+$30
per year
0.30% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The bank can change the rate on this account after it is opened.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4598)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Nevada, Missouri

Direct Link to Product Page (Not Sponsored)

#45

1st Advantage Bank

ADVANTAGE Savings

+$25
per year
0.40% APY
Oct 5, 2026

Needs at least $250,000

APY Range: 0.25% – 0.40%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The advertised APY requires an open ADVANTAGE Checking account, opened with a minimum of $2,500.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57899)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official Site1st Advantage Bank

Direct Link to Product Page (Not Sponsored)

#46

1st Advantage Bank

Regular Savings

+$25
per year
0.25% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3.00 service charge applies each quarter when the average daily ledger balance falls below $100.00.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance FeeIf the average daily ledger balance for the statement cycle falls below $100.00, the service charge will be $3.00 per statement cycle (quarter)
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57899)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official Site1st Advantage Bank

Direct Link to Product Page (Not Sponsored)

#47

Adrian Bank

Passbook Savings Account

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change without notice after the account is opened.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$3.00 if balance falls below $100.00 any time during cycle
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8251)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAdrian Bank

Direct Link to Product Page (Not Sponsored)

#48

Adrian Bank

Kid’s Klub Savings Account

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change without notice after the account is opened.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8251)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAdrian Bank

Direct Link to Product Page (Not Sponsored)

#49

Bank 21

Statement Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25.01
Maintenance Fee$5.00 if balance falls below $25.00
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8560)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank 21

Direct Link to Product Page (Not Sponsored)

#50

Bank of Washington

Statement Savings

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12627)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Washington

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

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

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list