Cape Girardeau, Missouri (MO) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Cape Girardeau, Missouri and the surrounding area include Montgomery BankMontgomery Bank2027 Broadway St, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 0.99% Kid's Club Savings at 5.01% APY, Southern BankSouthern Bank3168 William St, Cape Girardeau, MO 63703A+5.0 ★Texas Ratio: 2.61% Platinum Savings at 2.63% APY, The Bank of MissouriThe Bank of Missouri1622 N Kingshighway St, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 3.91% High Performance Savings at 0.21% APY, Commerce Bank Kansas City, MOCommerce Bank Kansas City, MO160 S Broadview St, Cape Girardeau, MO 63703A+5.0 ★Texas Ratio: 1.37% myRewards Savings at 0.01% APY, and Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.62% SMART Savings at 10.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Cape Girardeau, Missouri, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Cape Girardeau, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Cape Girardeau, Missouri and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Cape Girardeau, Missouri & Surrounding Communities
Qualifying balance up to $500.00
Qualifying balance up to $50,000.00
Qualifying balance up to $50,000.00
$100,000 and up
$50,000-$99,999.99
$10,000-$49,999.99
Up to $9,999.99
Qualifying balance up to $1,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 10 debit card purchases post and settle (excluding ATM transactions); one automatic payment or direct deposit post and settle; Be enrolled in and agree to receive E-Statements; Qualifying balance up to $10,000
Qualifying balance up to $15,000.00; Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.
Qualifying balance up to $5,000.00
Qualifications Required; Qualifying balance up to $2,500.00
For ages 12 & under with 5% APY
Qualifying balance up to $250,000.00
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only
Qualifying balance up to $2,500.00
Quarter ending December 31, 2025
Qualifying balance up to $100,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Cape Girardeau, MO Savings Rate Trends
Compare local Cape Girardeau, MO savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Missouri high-yield savings rates rose 1.012 points this week to 1.212% APY, up from 0.200% last week.
Missouri standard savings rates rose 0.113 points this week to 0.639% APY, up from 0.526% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Cape Girardeau, Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Cape Girardeau, Missouri. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Cape Girardeau, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Cape Girardeau, Missouri safe?
How often do savings rates change in Cape Girardeau, Missouri?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Cape Girardeau, Missouri?
How do I open a savings account in Cape Girardeau, Missouri?
Best Savings Rates in Cape Girardeau, Missouri
- Montgomery Bank
Kid's Club Savings — 5.01% APY - Southern Bank
Platinum Savings — 2.63% APY - The Bank of Missouri
High Performance Savings — 0.21% APY - Commerce Bank Kansas City, MO
myRewards Savings — 0.01% APY - Neighbors Credit Union
SMART Savings — 10.00% APY
