Jefferson City, 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 Jefferson City, Missouri and the surrounding area include Conservation Employees Credit UnionConservation Employees Credit Union2915 W Truman Blvd, Jefferson City, MO 65109 0580A+5.0 ★Texas Ratio: 0.38% IRA Savings at 4.11% APY, Sullivan BankSullivan Bank2429 Hyde Park Road, Jefferson City, MO 65109A5.0 ★Texas Ratio: 7.14% Cash Rewards with Savings Rewards at 3.00% APY, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.48% Health Savings (HSA) at 2.53% APY, UMB BankUMB Bank300 Dix Rd, Jefferson City, MO 65109A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, and Farmers Bank of Lohman, MissouriFarmers Bank of Lohman, Missouri103 Lomo Dr, Jefferson City, MO 65109A+5.0 ★Texas Ratio: 1.99% FBL Savings at 0.40% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Jefferson City, 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 Jefferson City, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Jefferson City, Missouri and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Jefferson City, Missouri & Surrounding Communities
Qualifying balance up to $10,000
Qualifying balance up to $25,000
Qualifying balance up to $25,000
Earn a higher rate when you open a savings account at the same time as your checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle.
Earn Dividends: $25 Average Daily Balance
Balances over $75,000 receive .05% interest.
Qualifying balance up to $1,000.00
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 $500.00
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 $5,000.00
For ages 12 & under with 5% APY; Includes a superhero cape and mask
Qualifications Required; Qualifying balance up to $2,500.00
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 $50,000.00
Qualifying balance up to $2,500.00
Rates effective as of 10/14/2025
Quarter ending March 31, 2026
on balances up to 1,499,999.
Qualifications Required: Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.; Qualifying balance up to $50,000.00
Qualifying balance up to $50,000.00
All Balances
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.
Jefferson City, MO Savings Rate Trends
Compare local Jefferson City, 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 Jefferson City, 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 Jefferson City, 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 Jefferson City, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Jefferson City, Missouri safe?
How often do savings rates change in Jefferson City, 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 Jefferson City, Missouri?
How do I open a savings account in Jefferson City, Missouri?
Best Savings Rates in Jefferson City, Missouri
- Conservation Employees Credit Union
IRA Savings — 4.11% APY - Sullivan Bank
Cash Rewards with Savings Rewards — 3.00% APY - MECE Credit Union
Health Savings (HSA) — 2.53% APY - UMB Bank
UMB Premium Savings — 0.55% APY - Farmers Bank of Lohman, Missouri
FBL Savings — 0.40% APY
