Best Banks & Checking Accounts in Trends, Missouri - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Trends, Missouri include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY, Community Bank of Pleasant HillCommunity Bank of Pleasant HillA+5.0 ★Texas Ratio: 1.47% Super Cash Checking at 6.01% APY, F&M Bank of St. ClairF&M Bank of St. ClairA+5.0 ★Texas Ratio: 0.04% Your Choice Checking - Rewards at 5.00% APY, Heritage Bank of the OzarksHeritage Bank of the OzarksA+5.0 ★Texas Ratio: 3.74% Neighbor Rewards Checking at 5.00% APY, and 1st MidAmerica Credit Union1st MidAmerica Credit UnionA+5.0 ★Texas Ratio: 2.79% High Interest Reward Checking at 5.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
Trends is a smaller community with no bank or credit union branches currently in our database. 46 institutions serving the Missouri area are available to Trends residents, with checking rates as high as 8.00% APY from Baxter Credit Union. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, Missouri. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in Trends, Missouri & the Surrounding Area
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualified Balances up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances from $0 - $25,000.00 Pays 4.41% 4.50%
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required: 3 requirements listed below; If you meet the 3 requirements listed below, you will receive this rate.
Qualifications Required: Qualifications Met*; Qualifications Met*
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Introductory APY 8.00% Introductory Dividend Rate 7.72%
balances up to $15,000; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 15 debit card purchases that post and settle your account; One ACH credit or direct deposit post to your account; Be enrolled in eStatements; Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
Qualifications Required: 1 domestic ATM fee reimbursement up to $25 monthly; balances up to $25,000 receive APY of 3.51%; balances over $25,000 earn 0.10% dividend rate on the portion of the balance over $25,000, resulting in 3.51% - 0.77% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY.; APY range calculated with a $125,000 balance. Fees may reduce earnings.
Qualifications Required: Cycle qualifications must be met; Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.
Up to $15,000.99
Qualifications Required: 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); at least one monthly direct deposit or ACH auto debit; receive your monthly bank statements via electronic banking; have one or more qualified mortgage, home equity or commercial loan with Montgomery Bank; APY ranges from 3.01% - 0.52 on excess funds over $15,000. An interest rate of .15% will be paid on your daily balance greater than $15,000.00. Maximum ATM fee refund per cycle is $6. Fees may reduce earnings. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs.
No additional details provided.
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualified Balances up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances from $0 - $25,000.00 Pays 4.41% 4.50%
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required: 3 requirements listed below; If you meet the 3 requirements listed below, you will receive this rate.
Qualifications Required: Qualifications Met*; Qualifications Met*
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Introductory APY 8.00% Introductory Dividend Rate 7.72%
balances up to $15,000; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 15 debit card purchases that post and settle your account; One ACH credit or direct deposit post to your account; Be enrolled in eStatements; Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
Qualifications Required: 1 domestic ATM fee reimbursement up to $25 monthly; balances up to $25,000 receive APY of 3.51%; balances over $25,000 earn 0.10% dividend rate on the portion of the balance over $25,000, resulting in 3.51% - 0.77% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY.; APY range calculated with a $125,000 balance. Fees may reduce earnings.
Qualifications Required: Cycle qualifications must be met; Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.
Up to $15,000.99
Qualifications Required: 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); at least one monthly direct deposit or ACH auto debit; receive your monthly bank statements via electronic banking; have one or more qualified mortgage, home equity or commercial loan with Montgomery Bank; APY ranges from 3.01% - 0.52 on excess funds over $15,000. An interest rate of .15% will be paid on your daily balance greater than $15,000.00. Maximum ATM fee refund per cycle is $6. Fees may reduce earnings. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs.
No additional details provided.
Qualified Balances up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances from $0 - $25,000.00 Pays 4.41% 4.50%
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Up to $15,000.99
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifying balance up to $10,000.00
Balances up to $10,000.00 (when qualifications are met)
Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases of $1.00 or more each; Be enrolled in and have agreed to receive e-statements rather than paper statements
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
No additional details provided.
Qualifications Required: 1 direct deposit, ACH credit, or ACH payment transaction(s); 10 debit card purchases, each $5.00 or more
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Balances over $25,000.00
No additional details provided.
Interest paid on balances up to $5,000. Rate may change after account opening. Fees could reduce earnings. Please refer to the Vantage Rewards+ Checking account disclosure for complete details.
Qualifying balance over $10,000.00
No additional details provided.
No additional details provided.
0.01% APY* if qualifications aren't met
Dividends: Paid Quarterly
3.54% APY* paid on balances up to $10,000; Refunds on ATM fees, nationwide(Unlimited)*; Optional automatic reward transfers to eZ Saver
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
$50,000 and Over
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
$25,000 - $49,999.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Interest Rate of 0.40% will be paid for the portion of your daily balance that ranges from $100,000 or over.
No additional details provided.
Interest Rate of .25% will be paid for the portion of your daily balance that ranges from $50,000 to $99,999.99
$10,000 - $24,99.99
No additional details provided.
Trends, MO Checking Rate Trends
Compare local Trends, MO checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Missouri high-yield checking rates rose 0.042 points over the past 7 days to 1.925% APY.
Missouri free checking rates fell 0.155 points over the past 7 days to 0.929% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Trends, Missouri directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Trends, Missouri. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MO.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Trends, Missouri earn interest?
Are banks in Trends, Missouri FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Trends, Missouri
- Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - Community Bank of Pleasant Hill
Super Cash Checking — 6.01% APY - F&M Bank of St. Clair
Your Choice Checking - Rewards — 5.00% APY - Heritage Bank of the Ozarks
Neighbor Rewards Checking — 5.00% APY - 1st MidAmerica Credit Union
High Interest Reward Checking — 5.00% APY
