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Missouri Savings Rates 2017

If you have your savings dollars in a bank with low savings rates, then you are losing real money. With the magic of compounding interest, even an interest rate difference under 1% can really add up over time. See our Savings Booster Calculator to see why you should seek out a higher interest rate. The table below has an unbiased list of the savings and money market account rates of FDIC-insured banks that are near your current location (if they aren’t, then change the zip code above). Take a few minutes to explore these options and see how you can boost your savings by more than 6X the national average rate. You may also want to check credit unions near you or online banks by navigating through the tabs above. There is competition for your money. Take advantage of it!

MO - January 17, 2017

Savings Account National Average Rate: 0.13% ?

BANKS APY Vs. Nat'l Av. MIN MILES ?
Crescent Bank & Trust 0.75% 6.00x $100 -
People's Bank of Seneca 0.75% 6.00x $100 -
TIAA-CREF Trust Company, FSB 0.70% 5.60x $25,000 -
TIAA-CREF Trust Company, FSB 0.65% 5.20x $100 -
Farmers Bank of Lincoln 0.60% 4.80x $25,000 -
TIAA-CREF Trust Company, FSB 0.60% 4.80x $2,500 -
MRV Banks 0.55% 4.40x $25,000 -
The Citizens-Farmers Bank of Cole Camp 0.55% 4.40x $25,000 -
United State Bank 0.50% 4.00x $25,000 -
Central Federal Savings and Loan Association of Rolla 0.50% 4.00x $10,000 -
Eagle Bank and Trust Company of Missouri 0.50% 4.00x $10,000 -
First Missouri Bank of SEMO 0.50% 4.00x $10,000 -
Sterling Bank 0.50% 4.00x $25,000 -
Equity Bank 0.50% 4.00x $25,000 -
The Morrill and Janes Bank and Trust Company 0.45% 3.60x $25,000 -
First Midwest Bank of Poplar Bluff 0.45% 3.60x $25,000 -
Citizens Bank of Newburg 0.43% 3.44x $10,000 -
Farmers Bank of Lohman, Missouri 0.40% 3.20x $1 -
Community Point Bank 0.40% 3.20x $1 -
Freedom Bank of Southern Missouri 0.40% 3.20x $25,000 -
Peoples Bank of Wyaconda, Missouri 0.40% 3.20x $25,000 -
Lead Bank 0.40% 3.20x $25,001 -
Crescent Bank & Trust 0.40% 3.20x $1,000 -
First Missouri State Bank 0.40% 3.20x $100 -
Oakstar Bank 0.40% 3.20x $2,500 -
Independent Farmers Bank 0.40% 3.20x $10 -
First Midwest Bank of Poplar Bluff 0.40% 3.20x $10,000 -
Sterling Bank 0.40% 3.20x $25,000 -
MRV Banks 0.40% 3.20x $25,000 -
BTC Bank 0.35% 2.80x $100 -
St. Clair County State Bank 0.35% 2.80x $100 -
Bank of Crocker 0.35% 2.80x $25,000 -
Bloomsdale Bank 0.35% 2.80x $25,000 -
The Union State Bank of Everest 0.35% 2.80x $25,000 -
Senath State Bank 0.35% 2.80x $10,000 -
Putnam County State Bank 0.35% 2.80x $2,500 -
Mainstreet Bank 0.35% 2.80x $25,000 -
The Mercantile Bank of Louisiana, Missouri 0.35% 2.80x $25,000 -
The Corner Stone Bank 0.35% 2.80x $50 -
The Seymour Bank 0.35% 2.80x $10,000 -
The Maries County Bank 0.35% 2.80x $10,000 -
Mississippi County Savings and Loan Association 0.35% 2.80x $100 -
Bank of Monticello 0.35% 2.80x $25,000 -
HomePride Bank 0.35% 2.80x $25,000 -
Independent Farmers Bank 0.35% 2.80x $2,500 -
CBC Bank 0.35% 2.80x $25,000 -
First Midwest Bank of Dexter 0.35% 2.80x $25,000 -
First Midwest Bank of Poplar Bluff 0.35% 2.80x $10,000 -
First Home Bank 0.35% 2.80x $25,000 -
Bank of Louisiana 0.31% 2.48x $25,000 -
Bank of Monticello 0.30% 2.40x $10,000 -
Farmers Bank of Lohman, Missouri 0.30% 2.40x $10,000 -
St. Louis Bank 0.30% 2.40x $10,000 -
American Trust Bank 0.30% 2.40x $100 -
St. Clair County State Bank 0.30% 2.40x $2,500 -
Table Rock Community Bank 0.30% 2.40x $25,000 -
Adrian Bank 0.30% 2.40x $25,000 -
First State Bank of Purdy 0.30% 2.40x $100 -
The Missouri Bank II 0.30% 2.40x $1 -
CBC Bank 0.30% 2.40x $2,500 -
Heritage Community Bank 0.30% 2.40x $20,001 -
Citizens' Bank of Charleston 0.30% 2.40x $1,000 -
Royal Banks of Missouri 0.30% 2.40x $25,000 -
North American Savings Bank, F.S.B. 0.30% 2.40x $25,000 -
Canton State Bank 0.30% 2.40x $25,000 -
The Mercantile Bank of Louisiana, Missouri 0.30% 2.40x $1,000 -
MRV Banks 0.30% 2.40x $100 -
NBKC Bank 0.30% 2.40x $25,000 -
Freedom Bank of Southern Missouri 0.30% 2.40x $1 -
Community Point Bank 0.30% 2.40x $5,000 -
Community Bank of El Dorado Springs 0.30% 2.40x $1,500 -
Oakstar Bank 0.30% 2.40x $100 -
Farmers and Merchants Bank of St. Clair 0.30% 2.40x $1 -
Farmers Bank of Lincoln 0.30% 2.40x $10,000 -
Horizon State Bank 0.30% 2.40x $25,000 -
Peoples Bank of Wyaconda, Missouri 0.30% 2.40x $2,500 -
Phelps County Bank 0.30% 2.40x $25,000 -
Springfield First Community Bank 0.30% 2.40x $100 -
Simmons Bank 0.30% 2.40x $25,000 -
Mid America Bank 0.30% 2.40x $25,000 -
The Business Bank of Saint Louis 0.30% 2.40x $10,000 -
Mid America Bank & Trust Company 0.30% 2.40x $25,000 -
The Citizens-Farmers Bank of Cole Camp 0.30% 2.40x $1,000 -
The Bank of Macks Creek 0.30% 2.40x $10,000 -
Bank of St. Elizabeth 0.30% 2.40x $25,000 -
Cass Commercial Bank 0.30% 2.40x $1 -
O'Bannon Banking Company 0.29% 2.32x $25,001 -
Carrollton Bank 0.27% 2.16x $10,000 -
Silex Banking Company 0.27% 2.16x $1,000 -
Legacy Bank & Trust Company 0.26% 2.08x $1 -
Bank of Louisiana 0.26% 2.08x $2,500 -
Summit Bank of Kansas City 0.26% 2.08x $25,000 -
Bank of Monticello 0.25% 2.00x $1,000 -
United State Bank 0.25% 2.00x $1 -
First Missouri Bank of SEMO 0.25% 2.00x $100 -
Sterling Bank 0.25% 2.00x $100 -
Commercial Bank 0.25% 2.00x $1 -
West Plains Savings and Loan Association 0.25% 2.00x $50 -
The Business Bank of Saint Louis 0.25% 2.00x $500 -
Freedom Bank of Southern Missouri 0.25% 2.00x $1 -
Farmers Bank of Lincoln 0.25% 2.00x $1 -
Community Bank of Missouri 0.25% 2.00x $1 -
Senath State Bank 0.25% 2.00x $2,500 -
The Missouri Bank II 0.25% 2.00x $25 -
Bear State Bank 0.25% 2.00x $25,000 -
Bank of Sullivan 0.25% 2.00x $25,000 -
Adrian Bank 0.25% 2.00x $100 -
Bloomsdale Bank 0.25% 2.00x $1 -
The First National Bank of Nevada, Missouri 0.25% 2.00x $10,000 -
Bank 21 0.25% 2.00x $25 -
Lead Bank 0.25% 2.00x $50 -
First Commercial Bank 0.25% 2.00x $100 -
The Union State Bank of Everest 0.25% 2.00x $250 -
KCB Bank 0.25% 2.00x $25,001 -
Wood & Huston Bank 0.25% 2.00x $25,000 -
Midwest Regional Bank 0.25% 2.00x $50 -
Metz Banking Company 0.25% 2.00x $100 -
Central Federal Savings and Loan Association of Rolla 0.25% 2.00x $10 -
Eagle Bank and Trust Company of Missouri 0.25% 2.00x $100 -
Enterprise Bank & Trust 0.25% 2.00x $1 -
Citizens Bank of Newburg 0.25% 2.00x $1 -
The Mercantile Bank of Louisiana, Missouri 0.25% 2.00x $50 -
Montrose Savings Bank 0.25% 2.00x $1 -
The Bank of Old Monroe 0.25% 2.00x $25,000 -
Southern Bank 0.25% 2.00x $100 -
First State Bank of Purdy 0.25% 2.00x $1,000 -
The Seymour Bank 0.25% 2.00x $2,500 -
HomePride Bank 0.25% 2.00x $100 -
Citizens Bank & Trust 0.25% 2.00x $25,000 -
Bank Northwest 0.25% 2.00x $100 -
Tri-County Trust Company 0.25% 2.00x $2,500 -
Citizens' Bank of Charleston 0.25% 2.00x $1 -
Peoples Community Bank 0.25% 2.00x $2,500 -
Community State Bank of Missouri 0.25% 2.00x $1 -
Pony Express Bank 0.25% 2.00x $10,000 -
American Trust Bank 0.25% 2.00x $5,001 -
BTC Bank 0.25% 2.00x $2,500 -
Heritage Community Bank 0.25% 2.00x $10,001 -
Citizens National Bank of Greater St. Louis 0.25% 2.00x $100 -
Security Bank of Kansas City 0.25% 2.00x $25,000 -
CBC Bank 0.25% 2.00x $50 -
Bank of Bolivar 0.25% 2.00x $25,000 -
Hawthorn Bank 0.25% 2.00x $10,000 -
Mid America Bank 0.25% 2.00x $25 -
First Midwest Bank of Dexter 0.25% 2.00x $5,000 -
Bank of Crocker 0.25% 2.00x $25,000 -
Bank of Odessa 0.25% 2.00x $100 -
The Maries County Bank 0.25% 2.00x $1,000 -
Phelps County Bank 0.25% 2.00x $1 -
Exchange Bank of Missouri 0.25% 2.00x $25,000 -
Quarry City Savings and Loan Association 0.25% 2.00x $100 -
Midwest Regional Bank 0.24% 1.92x $500 -
O'Bannon Banking Company 0.23% 1.84x $10,001 -
Town & Country Bank 0.23% 1.84x $25,000 -
Town & Country Bank 0.22% 1.76x $25,000 -
Summit Bank of Kansas City 0.21% 1.68x $10,000 -
The Merchants and Farmers Bank of Salisbury 0.20% 1.60x $200 -
Peoples Bank of Altenburg 0.20% 1.60x $60 -
Bank of Crocker 0.20% 1.60x $25 -
Farmers Bank of Lohman, Missouri 0.20% 1.60x $2,500 -
United Security Bank 0.20% 1.60x $50 -
The Citizens Bank of Edina 0.20% 1.60x $2,500 -
Triad Bank 0.20% 1.60x $100 -
American Bank of Missouri 0.20% 1.60x $25,000 -
First Home Bank 0.20% 1.60x $1 -
The Paris National Bank 0.20% 1.60x $25,000 -
Citizens Bank & Trust 0.20% 1.60x $10,000 -
First National Bank of Clinton 0.20% 1.60x $2,500 -
Ozarks Federal Savings and Loan Association 0.20% 1.60x $25,000 -
Exchange Bank of Northeast Missouri 0.20% 1.60x $25,000 -
Table Rock Community Bank 0.20% 1.60x $1 -
Guaranty Bank 0.20% 1.60x $10,000 -
Royal Banks of Missouri 0.20% 1.60x $10,000 -
O'Bannon Banking Company 0.20% 1.60x $1 -
Bank of Monticello 0.20% 1.60x $100 -
The Missouri Bank II 0.20% 1.60x $10,000 -
The Bank of Macks Creek 0.20% 1.60x $1 -
Canton State Bank 0.20% 1.60x $10,000 -
Adrian Bank 0.20% 1.60x $2,500 -
NBKC Bank 0.20% 1.60x $10,000 -
Bloomsdale Bank 0.20% 1.60x $1 -
Bank of Bolivar 0.20% 1.60x $100 -
Peoples Bank of Moniteau County 0.20% 1.60x $25,000 -
First Commercial Bank 0.20% 1.60x $100 -
Wood & Huston Bank 0.20% 1.60x $1,000 -
KCB Bank 0.20% 1.60x $10,001 -
Northeast Missouri State Bank 0.20% 1.60x $1,000 -
Bank of Minden 0.20% 1.60x $100 -
Silex Banking Company 0.20% 1.60x $1 -
North American Savings Bank, F.S.B. 0.20% 1.60x $1 -
The Pleasant Hill Bank 0.20% 1.60x $1,500 -
Bank of Sullivan 0.20% 1.60x $10,000 -
Community Bank of Marshall 0.20% 1.60x $25,001 -
Tri-County Trust Company 0.20% 1.60x $1 -
Exchange Bank of Missouri 0.20% 1.60x $2,500 -
Old Missouri Bank 0.20% 1.60x $1 -
Heritage Community Bank 0.20% 1.60x $1 -
Citizens National Bank of Greater St. Louis 0.20% 1.60x $25,000 -
Simmons Bank 0.20% 1.60x $10,000 -
Bank of Iberia 0.20% 1.60x $10 -
Jefferson Bank and Trust Company 0.20% 1.60x $25,000 -
First Missouri Bank 0.20% 1.60x $100 -
Wells Bank 0.20% 1.60x $25,000 -
NBH Bank 0.20% 1.60x $25,000 -
Bank of Brookfield - Purdin, National Association 0.20% 1.60x $25,000 -
Mainstreet Bank 0.20% 1.60x $10,000 -
United Bank of Union 0.20% 1.60x $25,000 -
The Citizens-Farmers Bank of Cole Camp 0.20% 1.60x $1 -
Ozark Bank 0.20% 1.60x $10,000 -
The Maries County Bank 0.20% 1.60x $1 -
First Collinsville Bank 0.20% 1.60x $500 -
First Midwest Bank of the Ozarks 0.20% 1.60x $2,500 -
Mid America Bank & Trust Company 0.20% 1.60x $1 -
The First National Bank of Nevada, Missouri 0.20% 1.60x $1 -
Farmers State Bank, S/B 0.20% 1.60x $10,000 -
Bank of St. Elizabeth 0.20% 1.60x $2,500 -
NEW FRONTIER BANK 0.20% 1.60x $25,000 -
The Bank of Advance 0.20% 1.60x $10,000 -
Community State Bank of Missouri 0.20% 1.60x $1 -
The Bank of Old Monroe 0.20% 1.60x $100 -
Bear State Bank 0.20% 1.60x $10,000 -
CBC Bank 0.20% 1.60x $2,500 -
Mid America Bank 0.20% 1.60x $10,000 -
Citizens Bank of Eldon 0.20% 1.60x $2,500 -
Phelps County Bank 0.20% 1.60x $10,000 -
Oakstar Bank 0.20% 1.60x $25,000 -
1st Cameron State Bank 0.20% 1.60x $25,000 -
Regional Missouri Bank 0.20% 1.60x $100 -
The Tipton Latham Bank, National Association 0.20% 1.60x $25,000 -
CNB Bank and Trust, N.A. 0.20% 1.60x $100 -
The Morrill and Janes Bank and Trust Company 0.20% 1.60x $1 -
Bank of Hillsboro 0.20% 1.60x $25,000 -
Central Bank of Warrensburg 0.20% 1.60x $10,000 -
Capitol Federal Savings Bank 0.20% 1.60x $25,000 -
Exchange National Bank & Trust Co. 0.20% 1.60x $25,000 -
American Trust Bank 0.20% 1.60x $1 -
Peoples Bank of Wyaconda, Missouri 0.20% 1.60x $50 -
Town & Country Bank Midwest 0.20% 1.60x $1 -
Regional Missouri Bank 0.18% 1.44x $10,001 -
Exchange Bank of Northeast Missouri 0.18% 1.44x $60 -
Midland States Bank 0.17% 1.36x $10,000 -
Clay County Savings Bank 0.17% 1.36x $25,001 -
Community First Bank 0.17% 1.36x $25,000 -
Citizens Bank 0.17% 1.36x $25,000 -
Adams Dairy Bank 0.17% 1.36x $15,000 -
The Central Trust Bank 0.16% 1.28x $25,000 -
Adams Dairy Bank 0.16% 1.28x $100 -
Clay County Savings Bank 0.16% 1.28x $10,000 -
Citizens Bank 0.16% 1.28x $100 -
The Bank of Grain Valley 0.15% 1.20x $10,001 -
The Merchants and Farmers Bank of Salisbury 0.15% 1.20x $25,000 -
Commercial Trust Company of Fayette 0.15% 1.20x $25,000 -
Commercial Bank 0.15% 1.20x $10,000 -
Oakstar Bank 0.15% 1.20x $100 -
1st Cameron State Bank 0.15% 1.20x $1 -
Bear State Bank 0.15% 1.20x $1 -
Simmons Bank 0.15% 1.20x $10,000 -
Ozark Bank 0.15% 1.20x $2,000 -
Community First Bank 0.15% 1.20x $25 -
Summit Bank of Kansas City 0.15% 1.20x $100 -
First National Bank 0.15% 1.20x $10 -
Central Bank of Kansas City 0.15% 1.20x $25,000 -
Sherwood Community Bank 0.15% 1.20x $10,000 -
Security Bank 0.15% 1.20x $100 -
Farmers Bank of Lincoln 0.15% 1.20x $1 -
Chester National Bank 0.15% 1.20x $25,000 -
The Nodaway Valley Bank 0.15% 1.20x $1 -
Citizens Bank & Trust 0.15% 1.20x $101 -
County Bank 0.15% 1.20x $1,000 -
Central Bank of The Ozarks 0.15% 1.20x $25,000 -
Farmers State Bank, S/B 0.15% 1.20x $50 -
America's Community Bank 0.15% 1.20x $25,001 -
Farmers State Bank 0.15% 1.20x $1,500 -
Community Bank of Raymore 0.15% 1.20x $25,000 -
The Bank of Advance 0.15% 1.20x $2,500 -
Banterra Bank 0.15% 1.20x $2,500 -
Sterling Bank 0.15% 1.20x $1 -
Guaranty Bank 0.15% 1.20x $50 -
Enterprise Bank & Trust 0.15% 1.20x $10,000 -
First National Bank of Clinton 0.15% 1.20x $1 -
Exchange Bank of Northeast Missouri 0.15% 1.20x $2,500 -
The Tipton Latham Bank, National Association 0.15% 1.20x $10,000 -
Lindell Bank & Trust Company 0.15% 1.20x $1 -
Peoples Savings Bank of Rhineland 0.15% 1.20x $1 -
Heritage Bank of the Ozarks 0.15% 1.20x $10,000 -
Peoples Bank of Moniteau County 0.15% 1.20x $10,000 -
Wood & Huston Bank 0.15% 1.20x $1 -
First Clover Leaf Bank, National Association 0.15% 1.20x $10,000 -
Macon-Atlanta State Bank 0.15% 1.20x $10,000 -
Bank of Washington 0.15% 1.20x $1 -
Providence Bank 0.15% 1.20x $300 -
NEW FRONTIER BANK 0.15% 1.20x $10,000 -
Lawson Bank 0.15% 1.20x $25,000 -
Lead Bank 0.15% 1.20x $1,000 -
BMO Harris Bank National Association 0.15% 1.20x $25,000 -
Horizon State Bank 0.15% 1.20x $100 -
KCB Bank 0.15% 1.20x $1 -
First Security Bank 0.15% 1.20x $100 -
First Collinsville Bank 0.15% 1.20x $5,000 -
Bank of New Cambria 0.15% 1.20x $1 -
Bank of Minden 0.15% 1.20x $500 -
The Seymour Bank 0.15% 1.20x $1 -
Alton Bank 0.15% 1.20x $50 -
Royal Banks of Missouri 0.15% 1.20x $2,500 -
Equity Bank 0.15% 1.20x $25,000 -
Putnam County State Bank 0.15% 1.20x $1 -
Midwest BankCentre 0.15% 1.20x $300 -
Community Bank of Marshall 0.15% 1.20x $1 -
F & C Bank 0.15% 1.20x $25,000 -
The First National Bank of Nevada, Missouri 0.15% 1.20x $2,500 -
Heritage Community Bank 0.15% 1.20x $1 -
Bank of Crocker 0.15% 1.20x $1,000 -
Security Bank of the Ozarks 0.15% 1.20x $25,000 -
Northeast Missouri State Bank 0.15% 1.20x $1 -
Clay County Savings Bank 0.15% 1.20x $1 -
Blue Ridge Bank and Trust Co. 0.15% 1.20x $15,000 -
MRV Banks 0.15% 1.20x $1,000 -
Bank of Hillsboro 0.15% 1.20x $100 -
St. Louis Bank 0.15% 1.20x $1 -
NBKC Bank 0.15% 1.20x $1 -
The Pleasant Hill Bank 0.15% 1.20x $100 -
First Missouri Bank 0.15% 1.20x $10,000 -
Ozarks Federal Savings and Loan Association 0.15% 1.20x $100 -
Bank of Iberia 0.15% 1.20x $1,000 -
The Bank of Old Monroe 0.15% 1.20x $1,500 -
Bank of Odessa 0.15% 1.20x $10 -
NBH Bank 0.15% 1.20x $1 -
Farmers and Merchants Bank of St. Clair 0.15% 1.20x $25,000 -
Community First Banking Company 0.15% 1.20x $25,000 -
First State Bank and Trust Company, Inc. 0.15% 1.20x $100 -
First Federal Bank of Kansas City 0.15% 1.20x $1,000 -
Southern Bank 0.15% 1.20x $1 -
Community State Bank 0.15% 1.20x $2,500 -
Bank of Brookfield - Purdin, National Association 0.15% 1.20x $1 -
The Bank of Edwardsville 0.15% 1.20x $25,000 -
Kearney Trust Company 0.15% 1.20x $1 -
First Bank of the Lake 0.15% 1.20x $25,000 -
Hometown Bank, National Association 0.15% 1.20x $25,000 -
United State Bank 0.15% 1.20x $1 -
Hawthorn Bank 0.15% 1.20x $20,000 -
Senath State Bank 0.15% 1.20x $1 -
Lamar Bank and Trust Company 0.15% 1.20x $25,000 -
Eagle Bank and Trust Company of Missouri 0.15% 1.20x $2,501 -
Rockwood Bank 0.15% 1.20x $25,000 -
Citizens Bank 0.15% 1.20x $1,000 -
Citizens Bank 0.15% 1.20x $100 -
Citizens National Bank of Greater St. Louis 0.15% 1.20x $10,000 -
Concordia Bank of Concordia, Missouri 0.15% 1.20x $5,000 -
State Bank of Missouri 0.15% 1.20x $25,000 -
Bank of Louisiana 0.15% 1.20x $1 -
The Paris National Bank 0.15% 1.20x $10,000 -
Goppert Financial Bank 0.15% 1.20x $1 -
Wells Bank 0.15% 1.20x $1 -
Bank of Sullivan 0.15% 1.20x $100 -
Peoples Bank of Altenburg 0.15% 1.20x $2,500 -
Peoples Bank & Trust Co. 0.15% 1.20x $60 -
Meramec Valley Bank 0.15% 1.20x $25,000 -
Bank of St. Elizabeth 0.15% 1.20x $1 -
Bank Star One 0.15% 1.20x $25,000 -
Exchange Bank of Missouri 0.15% 1.20x $60 -
United Bank of Union 0.15% 1.20x $10,000 -
The Bank of Macks Creek 0.15% 1.20x $1 -
Legends Bank 0.15% 1.20x $10,000 -
Citizens Community Bank 0.15% 1.20x $10,000 -
Jonesburg State Bank 0.15% 1.20x $10,001 -
Exchange National Bank & Trust Co. 0.15% 1.20x $1 -
The Citizens Bank of Edina 0.15% 1.20x $1 -
Capitol Federal Savings Bank 0.15% 1.20x $10,000 -
Bank of Franklin County 0.15% 1.20x $1 -
Bank of Bolivar 0.15% 1.20x $1,000 -
Great American Bank 0.15% 1.20x $25,000 -
Reliance Bank 0.15% 1.20x $10,000 -
Security Bank of Kansas City 0.15% 1.20x $100 -
Jefferson Bank and Trust Company 0.15% 1.20x $10,000 -
Bank Star 0.15% 1.20x $25,000 -
First Community Bank 0.15% 1.20x $24,000 -
North American Savings Bank, F.S.B. 0.14% 1.12x $100 -
Security Bank 0.14% 1.12x $2,500 -
Community First Bank 0.14% 1.12x $10,000 -
Citizens Bank 0.14% 1.12x $5,000 -
Century Bank of the Ozarks 0.14% 1.12x $25,000 -
Sunflower Bank, National Association 0.14% 1.12x $25,000 -
Adams Dairy Bank 0.14% 1.12x $1,500 -
Blue Ridge Bank and Trust Co. 0.13% 1.04x $1,000 -
Exchange Bank of Missouri 0.12% 0.96x $25,000 -
Pinnacle Bank 0.12% 0.96x $25,000 -
The Central Trust Bank 0.12% 0.96x $10,000 -
Great Southern Bank 0.12% 0.96x $25,000 -
First Bank 0.12% 0.96x $25,000 -
The First National Bank in Carlyle 0.12% 0.96x $10,000 -
BOKF, National Association 0.12% 0.96x $25,000 -
Town & Country Bank 0.11% 0.88x $10,000 -
PNC Bank, National Association 0.11% 0.88x $25,000 -
Community First Bank 0.11% 0.88x $2,500 -
Progressive Ozark Bank 0.11% 0.88x $25,000 -
Montgomery Bank, National Association 0.11% 0.88x $1 -
Peoples Community Bank 0.10% 0.80x $1 -
The Bank of Grain Valley 0.10% 0.80x $25 -
Preferred Bank 0.10% 0.80x $1 -
Sherwood Community Bank 0.10% 0.80x $50 -
Mid-Missouri Bank 0.10% 0.80x $25,000 -
Bank of Weston 0.10% 0.80x $1 -
Farmers and Merchants Bank of St. Clair 0.10% 0.80x $100 -
County Bank 0.10% 0.80x $50 -
Meramec Valley Bank 0.10% 0.80x $100 -
RCSBank 0.10% 0.80x $1 -
American Bank of Missouri 0.10% 0.80x $100 -
Simmons Bank 0.10% 0.80x $1 -
Central Bank of Kansas City 0.10% 0.80x $100 -
Platte Valley Bank of Missouri 0.10% 0.80x $10,000 -
Wells Bank 0.10% 0.80x $1 -
Regional Missouri Bank 0.10% 0.80x $1,000 -
The Paris National Bank 0.10% 0.80x $1,000 -
The Nodaway Valley Bank 0.10% 0.80x $500 -
Southern Missouri Bank of Marshfield 0.10% 0.80x $100 -
HNB National Bank 0.10% 0.80x $25,000 -
Central Bank of The Ozarks 0.10% 0.80x $100 -
Peoples Bank of Moniteau County 0.10% 0.80x $1 -
First Federal Bank of Kansas City 0.10% 0.80x $1,000 -
Farmers State Bank 0.10% 0.80x $100 -
Jefferson Bank and Trust Company 0.10% 0.80x $1 -
Community Bank of Raymore 0.10% 0.80x $1 -
The Missouri Bank 0.10% 0.80x $10 -
The Callaway Bank 0.10% 0.80x $1 -
Great American Bank 0.10% 0.80x $100 -
Kearney Trust Company 0.10% 0.80x $10,000 -
Enterprise Bank & Trust 0.10% 0.80x $1 -
The Bank of Fairport 0.10% 0.80x $2,501 -
Royal Banks of Missouri 0.10% 0.80x $1 -
Central Bank of Sedalia 0.10% 0.80x $25,000 -
Sunflower Bank, National Association 0.10% 0.80x $9,000 -
The Tipton Latham Bank, National Association 0.10% 0.80x $1 -
Peoples Savings Bank of Rhineland 0.10% 0.80x $1 -
Bear State Bank 0.10% 0.80x $100 -
Parkside Financial Bank & Trust 0.10% 0.80x $100 -
Community First Banking Company 0.10% 0.80x $100 -
St. Louis Bank 0.10% 0.80x $1,000 -
Bank of New Madrid 0.10% 0.80x $100 -
The Bank of Missouri 0.10% 0.80x $25,000 -
1st Advantage Bank 0.10% 0.80x $100 -
Pinnacle Bank 0.10% 0.80x $50 -
Community Bank of El Dorado Springs 0.10% 0.80x $25 -
Lawson Bank 0.10% 0.80x $10,000 -
United Bank of Union 0.10% 0.80x $1 -
Security Bank of the Ozarks 0.10% 0.80x $1 -
America's Community Bank 0.10% 0.80x $100 -
Wood & Huston Bank 0.10% 0.80x $1 -
First Midwest Bank of Dexter 0.10% 0.80x $1 -
KCB Bank 0.10% 0.80x $1 -
Bank of New Cambria 0.10% 0.80x $2,500 -
Bank Northwest 0.10% 0.80x $2,500 -
Citizens Bank and Trust Company 0.10% 0.80x $1,000 -
St. Johns Bank and Trust Company 0.10% 0.80x $25,000 -
Cass Commercial Bank 0.10% 0.80x $1 -
Goppert Financial Bank 0.10% 0.80x $2,000 -
West Plains Bank and Trust Company 0.10% 0.80x $25,000 -
Jonesburg State Bank 0.10% 0.80x $1 -
Alton Bank 0.10% 0.80x $1 -
First Midwest Bank of Poplar Bluff 0.10% 0.80x $100 -
Equity Bank 0.10% 0.80x $1 -
Carrollton Bank 0.10% 0.80x $1 -
Bank of Salem 0.10% 0.80x $10,000 -
Landmark Bank, National Association 0.10% 0.80x $10,000 -
F & C Bank 0.10% 0.80x $1 -
Southwest Missouri Bank 0.10% 0.80x $1 -
Bank of Sullivan 0.10% 0.80x $2,500 -
Lamar Bank and Trust Company 0.10% 0.80x $50 -
Bank Star 0.10% 0.80x $1 -
Providence Bank 0.10% 0.80x $1,000 -
Mainstreet Bank 0.10% 0.80x $250 -
The First National Bank in Carlyle 0.10% 0.80x $2,500 -
Busey Bank 0.10% 0.80x $15,000 -
Canton State Bank 0.10% 0.80x $1 -
Blue Ridge Bank and Trust Co. 0.10% 0.80x $100 -
Macon-Atlanta State Bank 0.10% 0.80x $1 -
Security Bank of Kansas City 0.10% 0.80x $1,000 -
Central Bank of Warrensburg 0.10% 0.80x $10,000 -
Commercial Trust Company of Fayette 0.10% 0.80x $100 -
First Home Bank 0.10% 0.80x $25 -
Investors Community Bank 0.10% 0.80x $1 -
First State Bank and Trust Company, Inc. 0.10% 0.80x $25,000 -
Bank of Brookfield - Purdin, National Association 0.10% 0.80x $2,500 -
BankLiberty 0.10% 0.80x $10 -
Great Southern Bank 0.10% 0.80x $100 -
Chester National Bank 0.10% 0.80x $10,000 -
NEW FRONTIER BANK 0.10% 0.80x $1,000 -
FMB Bank 0.10% 0.80x $10,000 -
State Bank of Missouri 0.10% 0.80x $10,000 -
Hometown Bank, National Association 0.10% 0.80x $100 -
Farmers State Bank, S/B 0.10% 0.80x $2,500 -
Triad Bank 0.10% 0.80x $1,000 -
First Collinsville Bank 0.10% 0.80x $1 -
CENTRAL BANK OF ST. LOUIS 0.10% 0.80x $25,000 -
Rockwood Bank 0.10% 0.80x $25,000 -
Citizens Bank of Eldon 0.10% 0.80x $100 -
Lindell Bank & Trust Company 0.10% 0.80x $25,000 -
Bank Star One 0.10% 0.80x $1 -
Citizens Community Bank 0.10% 0.80x $1 -
Concordia Bank of Concordia, Missouri 0.10% 0.80x $100 -
Hawthorn Bank 0.10% 0.80x $5,000 -
The Merchants and Farmers Bank of Salisbury 0.10% 0.80x $10,000 -
Arvest Bank 0.10% 0.80x $10,000 -
Community State Bank 0.10% 0.80x $1 -
Pony Express Bank 0.10% 0.80x $2,000 -
First Midwest Bank of the Ozarks 0.10% 0.80x $25 -
Alliant Bank 0.10% 0.80x $25,000 -
Commercial Bank 0.10% 0.80x $1 -
Exchange National Bank & Trust Co. 0.10% 0.80x $10,000 -
Legends Bank 0.10% 0.80x $2,500 -
Phelps County Bank 0.10% 0.80x $1 -
Community Bank of Missouri 0.10% 0.80x $25,000 -
Branson Bank 0.10% 0.80x $100 -
First Missouri Bank 0.10% 0.80x $1,500 -
Town & Country Bank 0.10% 0.80x $25 -
Town & Country Bank Midwest 0.10% 0.80x $100 -
Mid America Bank 0.10% 0.80x $1,000 -
HomeBank 0.10% 0.80x $50 -
Banterra Bank 0.10% 0.80x $10,000 -
Ozark Bank 0.10% 0.80x $100 -
The Bank of Versailles 0.10% 0.80x $1 -
First State Bank of St. Charles, Missouri 0.10% 0.80x $100 -
Reliance Bank 0.10% 0.80x $25 -
First Community Bank 0.10% 0.80x $1 -
BancorpSouth Bank 0.10% 0.80x $10,000 -
The Morrill and Janes Bank and Trust Company 0.10% 0.80x $10,000 -
Mercantile Bank 0.10% 0.80x $25,000 -
Bank of Hillsboro 0.10% 0.80x $2,500 -
First Bank of the Lake 0.10% 0.80x $1,000 -
The Bank of Edwardsville 0.10% 0.80x $10,000 -
PNC Bank, National Association 0.09% 0.72x $10,000 -
Bank of Salem 0.08% 0.64x $100 -
Central Bank of Sedalia 0.08% 0.64x $10,000 -
First State Community Bank 0.08% 0.64x $25,000 -
Pony Express Community Bank 0.08% 0.64x $5,000 -
Sunflower Bank, National Association 0.08% 0.64x $1 -
The Central Trust Bank 0.08% 0.64x $1,000 -
Busey Bank 0.08% 0.64x $15,000 -
Town & Country Bank 0.08% 0.64x $2,500 -
Community First Banking Company 0.08% 0.64x $1 -
Capaha Bank, SB 0.08% 0.64x $10,000 -
First Bank 0.08% 0.64x $10,000 -
Exchange Bank of Missouri 0.08% 0.64x $10,000 -
BOKF, National Association 0.08% 0.64x $10,000 -
The PrivateBank and Trust Company 0.08% 0.64x $2,500 -
First Community Bank 0.07% 0.56x $1 -
Pony Express Community Bank 0.07% 0.56x $1 -
Progressive Ozark Bank 0.07% 0.56x $1,000 -
Central Bank of the Midwest 0.07% 0.56x $1,000 -
First Clover Leaf Bank, National Association 0.07% 0.56x $200 -
The Callaway Bank 0.07% 0.56x $1 -
Great Southern Bank 0.07% 0.56x $10,000 -
The Bank of Missouri 0.07% 0.56x $1 -
Busey Bank 0.07% 0.56x $1 -
Bank of the West 0.07% 0.56x $25,000 -
Century Bank of the Ozarks 0.06% 0.48x $1 -
U.S. Bank National Association 0.06% 0.48x $10,000 -
Bank of the West 0.06% 0.48x $10,000 -
Commerce Bank 0.05% 0.40x $25,000 -
Arvest Bank 0.05% 0.40x $100 -
The Bank of Grain Valley 0.05% 0.40x $1 -
Central Bank of Warrensburg 0.05% 0.40x $25 -
Midwest BankCentre 0.05% 0.40x $1,000 -
BMO Harris Bank National Association 0.05% 0.40x $1 -
Alliant Bank 0.05% 0.40x $100 -
Carroll County Trust Company of Carrollton, Missouri 0.05% 0.40x $10 -
Summit Bank of Kansas City 0.05% 0.40x $1 -
Central Bank of Kansas City 0.05% 0.40x $1,000 -
Platte Valley Bank of Missouri 0.05% 0.40x $50 -
Busey Bank 0.05% 0.40x $2,500 -
Exchange National Bank & Trust Co. 0.05% 0.40x $1 -
West Plains Bank and Trust Company 0.05% 0.40x $1,000 -
Chester National Bank 0.05% 0.40x $30 -
County Bank 0.05% 0.40x $1 -
HNB National Bank 0.05% 0.40x $100 -
Missouri Bank and Trust Company of Kansas City 0.05% 0.40x $1,000 -
Legends Bank 0.05% 0.40x $50 -
Community Bank of Raymore 0.05% 0.40x $50 -
1st Advantage Bank 0.05% 0.40x $1,000 -
Capitol Federal Savings Bank 0.05% 0.40x $100 -
Kearney Trust Company 0.05% 0.40x $1,000 -
FMB Bank 0.05% 0.40x $100 -
Country Club Bank 0.05% 0.40x $25,000 -
Heritage Bank of the Ozarks 0.05% 0.40x $2,500 -
Mercantile Bank 0.05% 0.40x $100 -
Lindell Bank & Trust Company 0.05% 0.40x $2,500 -
Academy Bank, National Association 0.05% 0.40x $100 -
Home Exchange Bank 0.05% 0.40x $2,500 -
Community National Bank 0.05% 0.40x $100 -
UMB Bank, National Association 0.05% 0.40x $1 -
Lawson Bank 0.05% 0.40x $1 -
Central Bank of Sedalia 0.05% 0.40x $1 -
St. Johns Bank and Trust Company 0.05% 0.40x $100 -
BancorpSouth Bank 0.05% 0.40x $1 -
Mid-Missouri Bank 0.05% 0.40x $10,000 -
Legacy Bank & Trust Company 0.05% 0.40x $1 -
BOKF, National Association 0.05% 0.40x $1 -
Citizens Bank and Trust Company 0.05% 0.40x $100 -
Equity Bank 0.05% 0.40x $1 -
Hawthorn Bank 0.05% 0.40x $1 -
Exchange Bank of Missouri 0.05% 0.40x $1 -


BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION


Local Savings Accounts 2017

Savings accounts offer depositors flexibility along with the stability of FDIC insurance (assuming your deposit amounts are within FDIC limits – see below). Savings accounts are a good place to keep money for unforeseen expenses, as well as money that you may be preparing to use and want to keep safe. Individuals often use savings accounts for a home down payment, a vacation, a wedding, a car, an emergency fund, or other near-term expenditures. However, if you have cash that you do not believe you will need for at least a year, you may want to consider investing in a certificate of deposit.

While online savings account have grown in popularity and usage dramatically over the past fifteen years, some consumers prefer opening an account in a branch and having a personal relationship with the people who safeguard their money. Physical branches also provide an easy way to get cash instantly, to deposit checks, to access to notaries, and sometimes to get free coffee and donuts.

You will find a map with all banks that are close to you here.

FDIC Insurance

BestCashCow strongly recommends that when depositing money, you stay within the insured limits of the Federal Deposit Insurance Corporation (“FDIC”). You should not deposit over $250,000 at a single bank across all products (savings or share certificates, certificates of deposit or time deposits, etc.) unless these deposits are made across different product types (individual, joint, etc). Learn more about FDIC insurance and different product types here. If you are still uncertain whether you are within FDIC limits, you should visit the FDIC's website to determine your coverage limits based on your circumstances.

Advantages of Local Savings or Money Market Accounts:

  • Higher interest rate than a checking account, usually.
  • Personal service and interaction. Unlike an online account you are building a relationship with your banker by opening it in a branch.
  • Online access. Often, depending on the size of the bank, banks enable transactions and deposits to be performed online or through a mobile application.
  • Liquidity. Depositors can withdraw their money at any time.

Disadvantages:

  • A variable interest rate. Rates can change at any time. In a falling rate environment, this is a negative. In a rising rate environment, this is a positive.
  • A lower rate than an online bank. Branches are expensive and non-online banks often can't afford to pay as much interest as an online bank.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you and be sure it is appropriate. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Input the numbers

  • george koshefsky

    April 21, 2015

    Where is the list of the worst online banks to bank with or the States to avoid

  • ctyank January 19, 2015

    January 19, 2015

    Liberty Bank...Hamden, CT...new branch opening...special savings rate, 1.50% up to $100,000.00 through 2016...do not beleive it is available to om-line customer(s)...checking account linked, free...

  • Sol @ Travis

    September 29, 2013

    @ Travis

    In many cases we do provide this information. For example, the Belmont Savings Bank rate you list above comes with a clear disclaimer if you click the Learn more button. We're always trying to improve though and will certainly continue to gather additional information. Thanks for your comment.

  • Travis MacDonald

    September 29, 2013

    I find the numbers decieving. Some of your banks listed with the highest APR have many restrictions and requirements. I feel that these should be listed on your site in the "details" section to avoid any "bait-and-switch" claims. For instance, Belmont Savings Bank in Belmont, MA is listed as having a 1.00% APR, but the savings account requires a companion checking account with a daily average balance of 250,000. Another example is Salen Five cents Bank under the online banks. The account listed is not available on their website. When I inquired about it, they told me that particular savings product was reserved as an add-on for accounts with daily balances in excess of $10,000. It seems alot of research went into the details pages in terms of company financials and whatnot. Seems like a little more research could be done on the savings and checking products themselves.

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