Best Money Market Rates in Barnard, Kansas - August 2026
Brian McKay
Brian McKay
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Current Barnard, Kansas and the surrounding area money market deposit account rates include First Bank Creve Coeur, MOFirst Bank Creve Coeur, MOA+5.0 ★Texas Ratio: 1.54%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Account at 4.00% APY, The Bank of TescottThe Bank of TescottA+5.0 ★Texas Ratio: 2.34%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kasasa Cash Executive Money Market Account Checking at 4.00% APY, Premier Members Credit UnionPremier Members Credit UnionA+5.0 ★Texas Ratio: 4.43%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money market accounts at 4.00% APY, CoreFirst Bank & TrustCoreFirst Bank & TrustA-5.0 ★Texas Ratio: 14.24%Real return: +1.02%APY minus 2.8% CPI (February 2026) Summit Money Market at 3.82% APY, and Bank of the Flint HillsBank of the Flint HillsA-5.0 ★Texas Ratio: 15.48%Real return: +0.86%APY minus 2.8% CPI (February 2026) Money Market at 3.66% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Barnard is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Kansas area are available to Barnard residents, with money market rates as high as 4.00% APY from First Bank Creve Coeur, MO. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Barnard, Kansas and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Barnard, Kansas & the Surrounding Area
APY accurate as of 08/24/2026. This is a variable-rate account. The APY may change any time after the account is opened. Fees may reduce earnings.
Qualifications Required; Tiered APY
Earn 4.00% APY* on your first $2,000.
Qualifying balance up to $2,000.00
Paid on balances $1,000,000.00 to $2,999,999.99
Promotional rate is effective for 6 months from the opening date of a new Premier Money Market account. To receive the introductory rate, account must be opened with a minimum of $15,000 or for existing Money Market accounts, a minimum additional deposit of $15,000 is required that cannot be transferred from an existing account. Maximum deposit eligible for promotional rate is $3,000,000. The rate may change after the account is opened. Fees charged to the account could reduce the earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid. The interest rate and annual percentage yield is subject to change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. 6 transactions per statement cycle allowed.
To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of December 12, 2025, and subject to change at any time. The annual percentage yield (APY) is also subject to change at any time. Interest is paid on full account balance. The required minimum balance to avoid $10 monthly service charge is $1,000.
Intro rate APY 3.50%
$15,000+; Intro rate
Paid on balances of $250,000 to $999,999.99
To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of December 12, 2025, and subject to change at any time. The annual percentage yield (APY) is also subject to change at any time. Interest is paid on full account balance. The required minimum balance to avoid $10 monthly service charge is $1,000.
APY is variable and subject to change at our discretion, without prior notice. Fees could reduce the earnings on the account. Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day after they are received, which may be up to 2 days earlier than the payer's scheduled payment date.
Paid on balances of $100,000 to $249,999.99
All Balances
Online Only
Paid on all balances over $750,000.00
Online Only
Paid on balances of $50,000 to $99,999.99
Dividends are paid at tier rates on balances over $100,000 within each tier. If the average daily balance falls below $100,000 during the statement cycle, dividends will not be paid. Membership required.
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
Paid on all balances of $250,000 to $749,999
$2,500 minimum deposit to open; Dividends paid monthly; $5 service charge if balance falls below $2,500 which could reduce the earnings on the account; 6 free withdrawals/transfers (max of 3 checks per month)
Online Only
Compounding Frequency: Monthly
$2,500 minimum deposit to open; Dividends paid monthly; $5 service charge if balance falls below $2,500 which could reduce the earnings on the account; 6 free withdrawals/transfers (max of 3 checks per month)
$25,000 & Over
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.
Barnard, KS Money Market Rate Trends
Compare local Barnard, KS money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kansas high-yield MMA rates fell 0.011 points over the past 7 days to 3.197% APY.
Kansas standard MMA rates rose 0.003 points over the past 7 days to 0.947% APY.
Barnard, Kansas Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current KS high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current KS high-yield money market average of 3.197% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Barnard, Kansas.
Money Market Account Earnings in Barnard, Kansas
Annual interest earnings at current KS average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.197% APY) | Monthly Earnings | Standard MMA (0.947% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $319.69 / year | $26.64 | $94.67 / year | $7.89 |
| $25,000 | $799.22 / year | $66.60 | $236.67 / year | $19.72 |
| $50,000 | $1,598.45 / year | $133.20 | $473.35 / year | $39.45 |
| $100,000 | $3,196.90 / year | $266.41 | $946.70 / year | $78.89 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Barnard, Kansas money market rate averages as of August 29, 2026. | ||||
Available in Barnard, Kansas Area
About Our Barnard, Kansas Money Market Rate Database
MonitorBankRates tracks money market rate offers from 48 banks and credit unions available to Barnard, Kansas residents via statewide and national offers. No branch locations physically in Barnard are currently in our database, but all listed offers are open to Barnard depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: First Bank Creve Coeur, MO offers a money market account at 4.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Barnard, Kansas.
How to Find the Best Money Market Rates in Barnard, Kansas
What to compare when shopping for a money market account in Barnard, Kansas
To find the best money market APYs in Barnard, Kansas, start with credit unions and online-only banks — Barnard, Kansas has 15 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers — many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current KS high-yield money market average is 3.197% — but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable — your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Barnard, Kansas high-yield money market rates currently average 3.197% APY — far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Barnard, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 48 institutions in Barnard, Kansas report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Barnard, Kansas CD rates
- You don’t need check writing and want a lower minimum → Barnard, Kansas savings rates
- You need daily transaction access → Barnard, Kansas checking rates
Kansas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS high-yield money market average of 3.197%, saving 10% of the local median salary ($4,308/year) would earn an additional $138 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Barnard, Kansas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Barnard, Kansas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 3.197% | View Savings Rates | 0.947%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Barnard, Kansas averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Barnard, Kansas Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame — or click any current Barnard, Kansas rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Barnard, Kansas
At KS’s top money market rate of 4.00% from First Bank Creve Coeur, MO, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Barnard, Kansas earner is roughly $10,800. At 3.197% APY in a money market account, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountKansas’s high-yield money market average is 3.197% APY — variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Barnard, Kansas earner makes $43,089/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.197% APY.
Retirement PlannerA $25,000 money market balance earning 3.197% APY grows to roughly $46,911 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Barnard, Kansas money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Barnard, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market 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 Barnard, Kansas. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Barnard, Kansas
What is a Money Market Account (MMA)?
Are Money Market accounts in Barnard, Kansas safe?
How often do MMA rates change in Barnard, Kansas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Barnard, Kansas?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Barnard, Kansas for money market accounts?
Best Money Market Rates in Barnard, Kansas
- First Bank Creve Coeur, MO
Money Market Account — 4.00% APY - The Bank of Tescott
Kasasa Cash Executive Money Market Account Checking — 4.00% APY - Premier Members Credit Union
Money market accounts — 4.00% APY - CoreFirst Bank & Trust
Summit Money Market — 3.82% APY - Bank of the Flint Hills
Money Market — 3.66% APY
Barnard, Kansas Rates & Resources
