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

By Aviel Fahl

Newest reading: October 13, 2026

Top Missouri Rate:4.75% APYFDIC or NCUA Insured

The Missouri market

Missouri accounts

Institutions

Top Missouri APY

4.75% APY

Nationally: 2.00% APY

FDIC national average

0.37%

As of Sep 2026

11 IRA savings accounts are open only to Missouri residents, from 10 institutions. The highest advertised APY among them is 4.75%.

The highest nationally available rate is 2.00% APY, 275 basis points below the Missouri leader.

9 of the 11 Missouri IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Missouri-Specific IRA Savings Accounts

IRA Savings accounts specifically available to Missouri residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	The Corner Stone Bank Regular IRAs 4.75%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$475per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#2	The Corner Stone Bank Roth IRAs 4.75%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$475per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#3	Lindell Bank & Trust Company 18-Month Special Variable Rate IRA 4.49%APY Observed: Oct 13, 2026 Show Details	+$449per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#4	Bank 21 IRA Money Market 2.00%APY Min. balance: $1,000 Observed: Oct 7, 2026 Show Details	+$200per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#5	HomeBank IRA Time Open Savings 1.16%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$116per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#6	Academy Bank, National Association Premier Money Market IRA Up to2.20%APY Needs at least $250,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$75per yearEffective: 0.75%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#7	CENTURY Individual Retirement Account (IRA) 0.75%APY Observed: Oct 13, 2026 Show Details	+$75per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#8	Armed Forces Bank, National Association Premier Money Market IRA Up to1.75%APY Needs at least $250,000 Observed: Oct 7, 2026 Show Details	+$70per yearEffective: 0.70%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#9	First State Bank of St. Charles, Missouri IRA Savings 0.70%APY Observed: Oct 7, 2026 Show Details	+$70per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#10	North American Savings Bank, F.S.B. IRA Savings 0.30%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#11	First Federal Bank of Kansas City IRA Savings 0.20%APY Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100

The Corner Stone Bank

Regular IRAs

+$475

per year

4.75% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9388)
Eligibility	United 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)

Read Bank Overview

The Corner Stone Bank

Roth IRAs

+$475

per year

4.75% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9388)
Eligibility	United 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)

Read Bank Overview

Lindell Bank & Trust Company

18-Month Special Variable Rate IRA

+$449

per year

4.49% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1073)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

7 days

↘︎ 0.03%

30 days

↗︎ 0.34%

90 days

↗︎ 0.32%

Official SiteLindell Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bank 21

IRA Money Market

+$200

per year

2.00% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
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

HomeBank

IRA Time Open Savings

+$116

per year

1.16% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each account is limited to a balance of $249,000.

Show Fine Print & Trends

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

Rate Stability

StableNo rate changes in last 30 days

Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Academy Bank, National Association

Premier Money Market IRA

+$75

per year

2.20% APY

Oct 13, 2026

Needs at least $250,000

APY Range: 0.60% – 2.20%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Debit cards, ATM cards and checks are not available on this account, and digital banking access is view only. The account is opened in a branch.

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: 19600)
Eligibility	United 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)

Read Bank Overview

CENTURY

Individual Retirement Account (IRA)

+$75

per year

0.75% APY

Oct 13, 2026

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCENTURY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Armed Forces Bank, National Association

Premier Money Market IRA

+$70

per year

1.75% APY

Oct 7, 2026

Needs at least $250,000

APY Range: 0.65% – 1.75%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

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

Rate Stability

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

Official SiteArmed Forces Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First State Bank of St. Charles, Missouri

IRA Savings

+$70

per year

0.70% 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

#10

North American Savings Bank, F.S.B.

IRA Savings

+$30

per year

0.30% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

This account can be opened only at an NASB branch.

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: 29708)
Eligibility	United 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)

Read Bank Overview

#11

First Federal Bank of Kansas City

IRA Savings

+$20

per year

0.20% APY

Oct 13, 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: 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

Nationally Available IRA Savings Accounts

The 3 highest-rate ira savings accounts available nationwide, including in Missouri.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal IRA Savings	2.00%	$0
Synchrony Bank	IRA Money Market Account	2.00%	$0
Carver Bank	Savings Liquit IRA	0.10%	$100

See the full national list