Independence, Missouri (MO) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Independence, Missouri and the surrounding area include First Federal Bank of Kansas CityFirst Federal Bank of Kansas City3500 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 4.95% Grow Savings Account at 5.00% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union3100 S State Route 291, Independence, MO 64057 2653A+5.0 ★Texas Ratio: 5.94% High Interest Savings at 5.00% APY, North American Savings Bank (NASB)North American Savings Bank (NASB)11400 E 23rd St S, Independence, MO 64052A+5.0 ★Texas Ratio: 5.08% High Rate Savings at 2.50% APY, City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO 64057 1226A5.0 ★Texas Ratio: 8.36% Quarterly IRA Savings at 0.75% APY, and 1st MidAmerica Credit Union1st MidAmerica Credit Union19301 E Valley View Pkwy, Independence, MO 64055A+5.0 ★Texas Ratio: 3.01% Reward Savings at 0.75% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Independence, 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 Independence, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Independence, Missouri and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Independence, Missouri & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Grow Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3100 S State Route 291, Independence, MO 64057 2653
High Interest Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
11400 E 23rd St S, Independence, MO 64052
High Rate Savings
2.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
on balances up to 1,499,999.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO 64057 1226
Quarterly IRA Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Reward Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifications Required; Qualifying balance up to $15,000.00
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Traditional/Roth IRA Shares (Variable)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Coverdell Education Savings (Variable)
0.75%
$1
▼
Rate0.75%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18909 E 48th St S, Independence, MO 64055
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO 64055
IRA Share Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 9, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
11400 E 23rd St S, Independence, MO 64052
High Rate Savings
0.37%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
balances greater than $1,500,000 earn 0.37% APY
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
IRA Share Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO 64057 1226
Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
All members must maintain a $5 balance.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO 64057 1226
Holiday Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No minimum balance. Funds are released October 1.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO 64057 1226
Vacation Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No minimum balance. Four free withdrawals per year. $5 charge for each subsequent withdrawal.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO 64057 1226
Youth Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
All members must maintain a $5 balance.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
General Shares
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO 64055
IRA Share Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 9, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
1st Time Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
First Savings Plus
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Business Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Minor Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Statement Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Minor Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO 64055
Regular Share and Club Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 9, 2026
Details
Account Balances $25 - over
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
General Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Regular Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
2,4
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
eSavings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
2,4
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Regular/Special Share Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Business Statement Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
First Savings Plus
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Primary Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Regular Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
General Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Regular/Special Share Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18909 E 48th St S, Independence, MO 64055
UMB Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18700 E 39th St S, Independence, MO 64057
myRewards Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
Youth Savings
5.01%
$0
▼
Rate4.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Kid's Club Savings
5.01%
$0
▼
Rate4.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $500.00
Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
408 W Washington St, Cuba, MO 65453
Super Saver Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
For ages 12 & under with 5% APY
Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
109 East St, Clarence, MO 63437
Neighbors Savings Account
4.20%
$0
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $250,000.00
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO 64155
eSavings
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
6213 Brecksville Rd, Independence, OH 44131
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
Investment Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Montgomery eGold Savings Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $50,000.00
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
Cash Rewards with Savings Rewards
3.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $10,000
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
15300 Veterans Memorial Pkwy, Wentzville, MO 63385
Icon High-Yield Savings
2.75%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
305 W Mount Vernon St, Nixa, MO 65714
Platinum Savings
2.63%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Independence, MO Savings Rate Trends
Compare local Independence, 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.
High-Yield Savings — MO Avg
1.195%
▼ 1.464 from last week
Missouri high-yield savings rates fell 1.464 points this week to 1.195% APY, down from 2.659% last week.
Standard Savings — MO Avg
0.640%
▼ 0.021 from last week
Missouri standard savings rates fell 0.021 points this week to 0.640% APY, down from 0.662% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Independence, 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 Independence, 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 Independence, Missouri
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Missouri, help your money grow faster through a higher APY.
Are savings accounts in Independence, Missouri safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Missouri up to $250,000 per depositor, per institution.
How often do savings rates change in Independence, Missouri?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Missouri rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Independence, Missouri may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Independence, Missouri?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Independence, Missouri offer in-person customer service, which some customers prefer.
How do I open a savings account in Independence, Missouri?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Independence, Missouri
Here are recent savings rates observed in Independence, Missouri and the surrounding area:
- First Federal Bank of Kansas City
Grow Savings Account — 5.00% APY - CommunityAmerica Credit Union
High Interest Savings — 5.00% APY - North American Savings Bank (NASB)
High Rate Savings — 2.50% APY - City Credit Union
Quarterly IRA Savings — 0.75% APY - 1st MidAmerica Credit Union
Reward Savings — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Independence, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
