Gainesville, Missouri Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Gainesville, Missouri money market account rates from banks and credit unions serving Missouri range from 2.78% to 4.23% APY, verified by MonitorBankRates as of October 14, 2026. Current Gainesville, Missouri and the surrounding area money market deposit account rates include Community Bank of RaymoreCommunity Bank of RaymoreD2.0 ★Texas Ratio: 0.44%Real return: +1.43%APY minus 2.8% CPI (February 2026) Money Market (Business and Personal) at 4.23% APY, Community Bank of Pleasant HillCommunity Bank of Pleasant HillA-4.1 ★Texas Ratio: 0.00%Real return: +1.43%APY minus 2.8% CPI (February 2026) Money Market (Business and Personal) at 4.23% APY, Brilliant BankBrilliant BankA5.0 ★Texas Ratio: 6.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Brilliant Surge Money Market at 4.00% APY, FCB BanksFCB BanksA5.0 ★Texas Ratio: 7.31%Real return: +1.05%APY minus 2.8% CPI (February 2026) Hometown Money Market (with Direct Deposit) at 3.85% APY, and Bank NorthwestBank NorthwestA+5.0 ★Texas Ratio: 1.34%Real return: +1.02%APY minus 2.8% CPI (February 2026) BUSINESS PINNACLE MONEY MARKET at 3.82% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Gainesville is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Missouri area are available to Gainesville residents, with money market rates as high as 4.23% APY from Community Bank of Raymore. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Gainesville, Missouri and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Gainesville, Missouri & the Surrounding Area
- Oct 11, 20264.23%▲ from 0.05%
- Oct 7, 20260.05%first recorded
- Oct 12, 20264.23%▲ from 4.17%
- Oct 8, 20264.17%first recorded
- Oct 12, 20264.20%▲ from 4.14%
- Oct 8, 20264.14%first recorded
- Oct 11, 20264.19%▲ from 0.05%
- Oct 7, 20260.05%first recorded
Up to 4.00% APY; Interest credited monthly; Account maximum: No max; Variable rate money market with initial APY available for new depositors only; Rates effective 12/19/25; Unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas
- Oct 11, 20263.91%▲ from 0.05%
- Oct 7, 20260.05%first recorded
- Oct 12, 20263.91%▲ from 3.87%
- Oct 8, 20263.87%first recorded
Balance: $1,000,000+
Balance: $1,500,000.00 - $99,999,999.99; Min $2500
Balance: $100,000 and over; Compounded monthly; Rates accurate as of 03/02/2026; $10 monthly fee if balance falls below $50,000; minimum balance of $50,000 required to earn dividends
- Oct 12, 20263.79%▲ from 3.76%
- Oct 8, 20263.76%first recorded
Balance: $500,000 - $999,999.99
Balance: $1,000,000+
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $100,000 +; Compounded monthly; $10 monthly fee if balance falls below $50,000
- Oct 13, 20263.75%▼ from 3.81%
- Sep 14, 20263.81%first recorded
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%; Rates current as of 09/22/26
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
- Oct 12, 20263.67%▲ from 3.64%
- Oct 8, 20263.64%first recorded
Promotional introductory rate for 6 months on a new Premier Money Market account; requires minimum $15,000 new money to Academy Bank that cannot be transferred from an existing Academy Bank account; maximum deposit eligible for promotional rate $3,000,000; APY accurate as of 10/14/2026; rate may change after account is opened
Balance: $500,000 - $999,999.99
- Oct 12, 20263.57%▲ from 3.56%
- Oct 8, 20263.56%first recorded
Balance: $1,000,000.00 - $1,499,999.99; Min $2500
Balance: $1,500,000.00 - $99,999,999.99; Min $2500
Balance: $500,000 -$999,999.99
APY = Annual Percentage Yield. Paid monthly.
- Oct 9, 20263.55%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Balance: $10,000 - $500,000
- Oct 9, 20263.55%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Balance: $75,000-$99,999; Compounded monthly; Rates accurate as of 03/02/2026; $10 monthly fee if balance falls below $50,000; minimum balance of $50,000 required to earn dividends
Balance: $150,000.00 and above
Balance: $1,000,000 - $9,999,999.99
Balance: $200,000 and over; Rates may change after account opening
Balance: over $250,000; Rates may change after account opening; $10 monthly fee if average daily balance is below $2,500
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $100,000 - $499,999.99
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000.00 or more; $20 monthly fee if balance falls below $25,000
Balance: $500,000.00 - or more
Balance: $2,500.00 - $149,999.99
Balance: $100,000 - $249,999.99; Rate: Federal Funds Effective Rate minus 0.50%; Rates current as of 09/22/26
- Sep 24, 20263.44%▲ from 3.19%
- Sep 14, 20263.19%first recorded
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $500,000 and over; Open at a branch, by video banking call, by phone, or through online or mobile banking
Balance: $250,000.00 - $499,999.99; $20 monthly fee if balance falls below $25,000
Balance: $250,000.00 - $499,999.99
Balance: $25,000 - $99,999.99
Balance: $25,000 +; New deposits only
Balance: $10,000 +
Balance: $150,000.00 - $249,999.99; $20 monthly fee if balance falls below $25,000
Balance: $150,000.00 - $249,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000,000 and above
- Oct 8, 20263.30%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Balance: $250,000.00 - $999,999.99; Min $2500
Balance: $1,000,000.00 - $1,499,999.99; Min $2500
Balance: $500,000 +
No standard term; up to 6 withdrawals per month without penalty; Start with as little as a $2,500 minimum deposit (minimum balance to earn APY); Insured up to $2,000,000 by ESI
Balance: $250,000 and over; dividends paid monthly
Balance: $100,000.00 - $149,999.99; $20 monthly fee if balance falls below $25,000
Balance: $100,000.00 - $149,999.99
Balance: $50,000-$74,999; Compounded monthly; Rates accurate as of 03/02/2026; $10 monthly fee if balance falls below $50,000; minimum balance of $50,000 required to earn dividends
Balance: $750,000 and up
Balance: $0 -$24,999.99
Balance: $100,000 to $249,999.99; Rates may change after account opening; $10 monthly fee if average daily balance is below $2,500
Balance: Minimum $10,000
Balance: $10,000.00 or greater; 0.00% APY on balances of $9,999.99 or less; Qualifying loan relationship required (commercial, mortgage or home equity loan of $100,000 or greater, or HELOC with $100,000 or greater credit line); APY effective as of 1/1/2026
- Oct 9, 20263.25%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $50,000.00 - $99,999.99; $20 monthly fee if balance falls below $25,000
Balance: $50,000.00 - $99,999.99
Tier: Preferred; Balance: $75,000.00 and over
Balance: $75,000+; Effective date 10/1/26
- Oct 10, 20263.25%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Balance: $200,000 - $249,999.99
Balance: $250,000 - $499,999.99
Balance: $0.00 - or more; $10 monthly fee if balance falls below $1,000 at any time
Balance: $25,000.00 - $49,999.99; $20 monthly fee if balance falls below $25,000
Balance: $25,000.00 - $49,999.99
Tier: Preferred; Balance: $50,000.00 - $74,999.99
Balance: $250,000 - $499,999.99; Open at a branch, by video banking call, by phone, or through online or mobile banking
Balance: $100,000 - $199,999.99
Balance: $200,000 - $249,999.99
Balance: $500,000+
Balance: $250,000 - $499,999.99
Balance: $50,000 or more; Compounding: Monthly
Balance: $50,000 - $74,999; Effective date 10/1/26
- Oct 10, 20263.04%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Balance: $100,000.00 - $249,999.99; Min $2500
Balance: $250,000.00 - $999,999.99; Min $2500
Rates effective as of 10/14/2026; APY is variable and subject to change at our discretion without prior notice; fees could reduce earnings; minimum balance required to obtain APY is $0.01
Balance: All Balances; Open Online
Balance: $100,000+; Tied to Fed Funds; six withdrawals or transfers per statement period
- Oct 13, 20263.00%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Balance: $1,000,000+; Rates effective August 20, 2026
Balance: $100,000 or more
Tier: Preferred; Balance: $10,000.00 - $49,999.99
Balance: $100,000 - $249,999.99; Open at a branch, by video banking call, by phone, or through online or mobile banking
Balance: $25,000 - $49,999; Compounding: Monthly
Balance: $100,000 - $249,999; dividends paid monthly
Balance: $20,000 - $49,999; Effective date 10/1/26
Balance: $100,000 - $249,999.99
Balance: $75,000 - $99,999; Tied to Fed Funds; six withdrawals or transfers per statement period
- Oct 13, 20262.80%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Tier: Preferred; Balance: $2,500.00 - $9,999.99
Balance: $100,000+
- Oct 9, 20262.78%▲ from 2.73%
- Sep 14, 20262.73%first recorded
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.
Gainesville, MO Money Market Rate Trends
Compare local Gainesville, MO 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.
Missouri high-yield MMA rates fell 0.007 points over the past 7 days to 3.214% APY.
Missouri standard MMA rates fell 0.008 points over the past 7 days to 0.556% APY.
Gainesville, Missouri Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MO high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 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 MO high-yield money market average of 3.214% 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: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
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 Gainesville, Missouri.
Money Market Account Earnings in Gainesville, Missouri
Annual interest earnings at current MO 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 (3.214% APY) | Monthly Earnings | Standard MMA (0.556% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $321.36 / year | $26.78 | $55.56 / year | $4.63 |
| $25,000 | $803.40 / year | $66.95 | $138.90 / year | $11.58 |
| $50,000 | $1,606.80 / year | $133.90 | $277.80 / year | $23.15 |
| $100,000 | $3,213.60 / year | $267.80 | $555.60 / year | $46.30 |
| 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: Gainesville, Missouri money market rate averages as of October 14, 2026. | ||||
Available in Gainesville, Missouri Area
About Our Gainesville, Missouri Money Market Rate Database
MonitorBankRates tracks money market rate offers from 41 banks and credit unions available to Gainesville, Missouri residents via statewide and national offers. No branch locations physically in Gainesville are currently in our database, but all listed offers are open to Gainesville 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 to 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: Community Bank of Raymore offers a money market account at 4.23% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Gainesville, Missouri.
How to Find the Best Money Market Rates in Gainesville, Missouri
What to compare when shopping for a money market account in Gainesville, Missouri
To find the best money market APYs in Gainesville, Missouri, start with credit unions and online-only banks: Gainesville, Missouri has 20 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current MO high-yield money market average is 3.214% but top local institutions are offering as high as 4.23%, 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. Gainesville, Missouri high-yield money market rates currently average 3.214% 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 Gainesville, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 41 institutions in Gainesville, Missouri report money market rates to our database.
- You’re among Gainesville, Missouri’s 25.6% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Gainesville, Missouri CD rates
- You don’t need check writing and want a lower minimum Gainesville, Missouri savings rates
- You need daily transaction access Gainesville, Missouri checking rates
Gainesville, Missouri Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
25.6% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; an unemployment rate of 7.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s MO high-yield money market average of 3.214%, saving 10% of the local median salary ($2,406/year) would earn an additional $77 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Gainesville, Missouri Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Gainesville, Missouri.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 3.214% | View Savings Rates | 0.556%(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 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | 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 Gainesville, Missouri averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Gainesville, Missouri 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 Gainesville, Missouri 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 Gainesville, Missouri
At MO’s top money market rate of 4.23% from Community Bank of Raymore, a $10,000 deposit earns $423 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Gainesville, Missouri earner is roughly $6,000. At 3.214% APY in a money market account, saving $500/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMissouri’s high-yield money market average is 3.214% 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 Gainesville, Missouri earner makes $24,063/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.214% APY.
Retirement PlannerA $25,000 money market balance earning 3.214% APY grows to roughly $47,063 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 Gainesville, Missouri 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 Gainesville, 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 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 Gainesville, Missouri. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MO.
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 Gainesville, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in Gainesville, Missouri safe?
How often do MMA rates change in Gainesville, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Gainesville, Missouri?
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 Gainesville, Missouri for money market accounts?
Best Money Market Rates in Gainesville, Missouri
- Community Bank of Raymore
Money Market (Business and Personal): 4.23% APY - Community Bank of Pleasant Hill
Money Market (Business and Personal): 4.23% APY - Brilliant Bank
Brilliant Surge Money Market: 4.00% APY - FCB Banks
Hometown Money Market (with Direct Deposit): 3.85% APY - Bank Northwest
BUSINESS PINNACLE MONEY MARKET: 3.82% APY
Gainesville, Missouri Rates & Resources
