Washington, Missouri (MO) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
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 Washington, Missouri and the surrounding area include First Community Credit UnionFirst Community Credit Union1701 A Roy Dr, Washington, MO 63090 5007A+5.0 ★Texas Ratio: 3.72% Health Savings Accounts (HSA) at 3.05% APY, Bank of Franklin CountyBank of Franklin County900 E 8th St, Washington, MO 63090A+5.0 ★Texas Ratio: 5.20% Health Savings Account at 0.50% APY, Bank of WashingtonBank of Washington200 W Main St, Washington, MO 63090C+4.1 ★Texas Ratio: 25.51% Health Savings at 0.50% APY, Citizens Bank New Haven, MOCitizens Bank New Haven, MO1451 High St, Washington, MO 63090A+5.0 ★Texas Ratio: 0.25% Health Savings at 0.35% APY, and Heritage Community Bank Union, MOHeritage Community Bank Union, MO801 Franklin Ave, Washington, MO 63090A+5.0 ★Texas Ratio: 4.09% HERITAGE Savings Accounts at 0.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Washington, 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 Washington, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Washington, Missouri and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Washington, Missouri & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1701 A Roy Dr, Washington, MO 63090 5007
Health Savings Accounts (HSA)
3.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
Health Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
Health Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
Health Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$2,499.99 & Under
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1451 High St, Washington, MO 63090
Health Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
Statement Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
801 Franklin Ave, Washington, MO 63090
HERITAGE Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1701 A Roy Dr, Washington, MO 63090 5007
Share Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1701 A Roy Dr, Washington, MO 63090 5007
Secondary Share
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1701 A Roy Dr, Washington, MO 63090 5007
Business Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
801 Franklin Ave, Washington, MO 63090
HERITAGE Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Heritage Community Bank Union, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
801 Franklin Ave, Washington, MO 63090
HERITAGE Savings Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $5,000.00
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1451 High St, Washington, MO 63090
Health Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
Franklin Jr. Savings (Kids Acct)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citizens Bank New Haven, MO
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1451 High St, Washington, MO 63090
Citizens Savings
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
BFC Premier Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
Business Growth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
900 E 8th St, Washington, MO 63090
Freedom Savings (Personal)
0.05%
$0
▼
Rate0.05%
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.
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
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
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
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
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 18, 2026
Details
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
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 18, 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%
3806 12th St Ne, Washington, DC 20017
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
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
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
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
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 18, 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
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
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
UTMA Custodial Savings
2.52%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
North American Savings Bank (NASB)
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12498 S Us Highway 71, Grandview, MO 64030
High Rate Savings
2.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
on balances up to 1,499,999.
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
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO 65708 8215
High Interest Savings
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $100,000.00
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
Rainy Day Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On balances above $25,000 and up to $50,000
Powered by
MonitorBankRates
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.
Washington, MO Savings Rate Trends
Compare local Washington, 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 Washington, 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 Washington, 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 Washington, 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 Washington, 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 Washington, 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 Washington, 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 Washington, Missouri?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Washington, Missouri offer in-person customer service, which some customers prefer.
How do I open a savings account in Washington, 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 Washington, Missouri
Here are recent savings rates observed in Washington, Missouri and the surrounding area:
- First Community Credit Union
Health Savings Accounts (HSA) — 3.05% APY - Bank of Franklin County
Health Savings Account — 0.50% APY - Bank of Washington
Health Savings — 0.50% APY - Citizens Bank New Haven, MO
Health Savings — 0.35% APY - Heritage Community Bank Union, MO
HERITAGE Savings Accounts — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Washington, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
