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Missouri Savings Rate Trends

Springfield, Missouri (MO) Savings Rates - March 2026

The best savings rates for Springfield, Missouri and the surrounding area include Sullivan BankSullivan Bank2655 S Campbell Ave, Springfield, MO 65807A5.0 ★Texas Ratio: 7.14% Cash Rewards with Savings Rewards at 3.00% APY, Southern BankSouthern Bank3000 W Republic Rd, Springfield, MO 65807A+5.0 ★Texas Ratio: 2.61% Platinum Savings at 2.63% APY, Phelps County BankPhelps County Bank334 E Walnut Street, Springfield, MO 65806A+5.0 ★Texas Ratio: 2.83% Minor Savings at 1.00% APY, Multipli Credit UnionMultipli Credit Union818 N Benton Ave, Springfield, MO 65802 3704A+5.0 ★Texas Ratio: 0.72% HSA - Health Savings Account at 1.00% APY, and TelComm Credit UnionTelComm Credit Union2155 E Sunshine St, Springfield, MO 65804 1816A+5.0 ★Texas Ratio: 1.87% IRA Share at 0.80% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Springfield, Missouri and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Springfield, Missouri & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
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

Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3000 W Republic Rd, Springfield, MO 65807
Platinum Savings
2.63%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
334 E Walnut Street, Springfield, MO 65806
Minor Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

**

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
HSA - Health Savings Account
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Savings Rewards with Cash Rewards
1.00%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Savings Rewards with Cash Back Rewards
1.00%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
IRA Share
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
Coverdell Education Savings Acct. (ESA) Share
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
Health Savings Acct. (HSA) Share
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1150 E Battlefield St, Springfield, MO 65807
UMB Premium Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Health Savings Account (HSA)
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
High Performance Savings
0.21%
$10,000
Rate0.21%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

$100,000 and up

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
Member Share
0.20%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 24, 2026
Details

Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
Health Savings Account
0.20%
$100
Rate0.20%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
Savings Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
Health Savings Account
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
High Performance Savings
0.15%
$10,000
Rate0.15%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

$50,000-$99,999.99

OBannon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
3120 E Sunshine St, Springfield, MO 65804
Regular Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
High Performance Savings
0.12%
$10,000
Rate0.12%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

$10,000-$49,999.99

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
Health Savings Account
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
High Performance Savings
0.10%
$10,000
Rate0.10%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

Up to $9,999.99

The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
3807 S Campbell Ave, Springfield, MO 65807
Statement Savings
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Regular Savings
0.10%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Educational Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1221 E Grand St, Springfield, MO 65804
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO 65804 1732
Kids Club Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO 65804 1732
Smart Start Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
Share Savings
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

($50 Avg. Daily Bal./Qtr.)

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
Sub-Share Savings
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2155 E Sunshine St, Springfield, MO 65804 1816
Kirby Kangaroo Kids Share
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Cash Back Rewards with Savings Rewards
0.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Balances over $75,000 receive .05% interest.

BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Primary Shares (Savings)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
Member Share
0.05%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 24, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO 65804 1732
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Reg $500.00 and up

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO 65804 1732
IRA Savings Account
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO 65804 1732
Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Rate from $500 and up

Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
Health Savings Account
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
334 E Walnut Street, Springfield, MO 65806
Personal Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

***

Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
334 E Walnut Street, Springfield, MO 65806
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

***

Mid-Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
1615 E Independence St, Springfield, MO 65804
Savings Account
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1150 E Battlefield St, Springfield, MO 65807
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%
1345 E Battlefield St, Springfield, MO 65804
myRewards Savings
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 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
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 20, 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
Share Savings Account
5.01%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $10,000.00

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 20, 2026
Details

Qualifications Required; 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
Hero Savings
5.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000. Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.

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

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

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

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
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

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

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

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

First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO 63005 1411
Health Savings Accounts (HSA)
3.05%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 26, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Earn & Learn Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $2,500.00

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
Health Savings (HSA)
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO 65218
Regular Share Account
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Quarter ending December 31, 2025

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.

Springfield, MO Savings Rate Trends

Compare local Springfield, 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
1.195%
▼ 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Missouri?

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

How do I open a savings account in Springfield, 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 Springfield, Missouri

Here are recent savings rates observed in Springfield, Missouri and the surrounding area:
  • Sullivan Bank
    Cash Rewards with Savings Rewards — 3.00% APY
  • Southern Bank
    Platinum Savings — 2.63% APY
  • Phelps County Bank
    Minor Savings — 1.00% APY
  • Multipli Credit Union
    HSA - Health Savings Account — 1.00% APY
  • TelComm Credit Union
    IRA Share — 0.80% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Springfield, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026