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Missouri Savings Rate Trends

Kansas City, Missouri (MO) Savings Rates - March 2026

The best savings rates for Kansas City, Missouri and the surrounding area include First Federal Bank of Kansas CityFirst Federal Bank of Kansas City711 Minnesota Ave, Kansas City, KS 66101A+5.0 ★Texas Ratio: 4.95% Grow Savings Account at 5.00% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union6390 N Cosby Ave, Kansas City, MO 64151A+5.0 ★Texas Ratio: 5.94% High Interest Savings at 5.00% APY, Capitol Federal Savings BankCapitol Federal Savings Bank7600 State Ave, Kansas City, KS 66112A+5.0 ★Texas Ratio: 1.06% eSavings at 3.70% APY, PNC BankPNC Bank1837 Grand Blvd, Kansas City, MO 64108A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, and Southern BankSouthern Bank7553 Nw Barry Rd, Kansas City, MO 64153A+5.0 ★Texas Ratio: 2.61% Platinum Savings at 2.63% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Kansas 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 Kansas City, Missouri (MO) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Kansas City, Missouri and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Kansas City, 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%
711 Minnesota Ave, Kansas City, KS 66101
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%
6390 N Cosby Ave, Kansas City, MO 64151
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

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
7600 State Ave, Kansas City, KS 66112
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%
1837 Grand Blvd, Kansas City, MO 64108
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
7553 Nw Barry Rd, Kansas City, MO 64153
Platinum Savings
2.63%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7012 Nw Barry Rd, Kansas City, MO 64153
High Rate Savings
2.50%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 28, 2026
Details

on balances up to 1,499,999.

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
Savings Plus
2.50%
$25
Rate2.47%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

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

NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO 64157
Personal IRA Savings
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

All Balances

Bank of Weston
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
6363 N Cosby Ave, Kansas City, MO 64151
Premier Savings
1.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1010 Grand Blvd, Kansas City, MO 64106
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%
5090 N Oak Trfy, Kansas CIty, MO 64118
IRA Share Accounts
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 9, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6247 Brookside Blvd, Kansas City, MO 64113
Health Savings Account (Checking)
0.43%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 28, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6247 Brookside Blvd, Kansas City, MO 64113
Statement Savings
0.42%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6247 Brookside Blvd, Kansas City, MO 64113
Youth Savings
0.42%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6247 Brookside Blvd, Kansas City, MO 64113
Health Savings Account (Checking)
0.41%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 28, 2026
Details

Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
6247 Brookside Blvd, Kansas City, MO 64113
Health Savings Account (Checking)
0.38%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 28, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Holiday Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
IRA Shares
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Share/Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
Youth Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
Business Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Central Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 Independence Boulevard, Kansas City, MO 64124
cb Savings
0.25%
$100
Rate0.25%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
125 Southwest Blvd, Kansas City, MO 64108
Youth Savings
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

$5 opening deposit required

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
Business Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5090 N Oak Trfy, Kansas CIty, MO 64118
IRA Share Accounts
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 9, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
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%
711 Minnesota Ave, Kansas City, KS 66101
First Savings Plus
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
Personal Savings
0.20%
$25
Rate0.20%
Min Deposit$25
Min Balance
UpdatedMar 28, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share/Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
Youth Savings
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
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%
711 Minnesota Ave, Kansas City, KS 66101
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%
711 Minnesota Ave, Kansas City, KS 66101
Business Statement Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO 64131
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
Regular Savings
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO 64108
Business Savings Account
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Youth Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
eSavings
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%
6390 N Cosby Ave, Kansas City, MO 64151
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%
6390 N Cosby Ave, Kansas City, MO 64151
Regular Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5090 N Oak Trfy, Kansas CIty, MO 64118
Regular Share and Club Accounts
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 9, 2026
Details

Account Balances $25 - over

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
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%
711 Minnesota Ave, Kansas City, KS 66101
Minor Savings Account
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%
711 Minnesota Ave, Kansas City, KS 66101
First Savings Plus
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%
711 Minnesota Ave, Kansas City, KS 66101
Business Statement Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
125 Southwest Blvd, Kansas City, MO 64108
Personal Savings
0.10%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

$50 opening deposit required

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO 64108
Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
5090 N Oak Trfy, Kansas City, MO 64118 4619
Primary Share Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
5090 N Oak Trfy, Kansas City, MO 64118 4619
Primary Share Savings
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
5090 N Oak Trfy, Kansas City, MO 64118 4619
Primary Share Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
5090 N Oak Trfy, Kansas CIty, MO 64118
IRA Share Accounts
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 9, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
SMART Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Hero Savings
5.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $15,000.00; Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
High-Rate Savings
5.01%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 27, 2026
Details

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

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Savings Account
5.01%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $10,000.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
IRA Savings
4.11%
$0
Rate4.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

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.

Kansas City, MO Savings Rate Trends

Compare local Kansas 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.

View Full Missouri Savings Trends →
High-Yield Savings — MO Avg
1.212%
▲ 1.012 from last week

Missouri high-yield savings rates rose 1.012 points this week to 1.212% APY, up from 0.200% last week.

Standard Savings — MO Avg
0.639%
▲ 0.113 from last week

Missouri standard savings rates rose 0.113 points this week to 0.639% APY, up from 0.526% last week.

As of Mar 28, 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 Kansas 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 Kansas 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 Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, Missouri?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Kansas City, Missouri offer in-person customer service, which some customers prefer.

How do I open a savings account in Kansas City, 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 Kansas City, Missouri

Here are recent savings rates observed in Kansas City, 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
  • Capitol Federal Savings Bank
    eSavings — 3.70% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Southern Bank
    Platinum Savings — 2.63% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kansas City, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026