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Best Money Market Rates in Independence, Missouri (MO) - May 2026

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Brian McKay Brian McKay
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Editorial Disclosure The 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.
| ✓Fact Checked | Last Updated: May 15, 2026

Current Independence, Missouri and the surrounding area money market deposit account rates include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4545 S Noland Rd, Independence, MO 64055B4.4 ★Texas Ratio: 21.76% Money Market Plus Account at 3.25% APY, United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO 64055A+5.0 ★Texas Ratio: 4.31% Preferred Money Market at 2.15% APY, 1st MidAmerica Credit Union1st MidAmerica Credit Union19301 E Valley View Pkwy, Independence, MO 64055A+5.0 ★Texas Ratio: 3.01% Money Market at 2.02% APY, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO 64055 5406A+5.0 ★Texas Ratio: 4.27% Premier Money Market at 1.90% APY, and Public Safety Credit UnionPublic Safety Credit Union20130 E Valley View Pkwy, Independence, MO 64057 1590A+5.0 ★Texas Ratio: 1.02% Money Market at 1.00% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.

Independence has 7 local institutions in our database, with money market rates as high as 3.25% APY from UNIFY Financial Federal Credit Union at 4545 S Noland Rd, Independence, MO 64055. Use the table below to compare all available offers, including options from institutions serving the broader Missouri area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Independence, Missouri and surrounding area. Last Updated and Verified: May 15, 2026

Compare the Best Money Market Rates Today in Independence, Missouri & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Money Market
2.15%
$75,000
View
▼
Rate2.13%
Min Deposit$75,000
Min Balance—
UpdatedMay 12, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Money Market
2.05%
$50,000
View
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Money Market
1.97%
$0
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Money Market
1.92%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Money Market
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO 64055
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Money Market
1.60%
$10,000
View
▼
Rate1.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Preferred Money Market
1.30%
$2,500
View
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Public Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
20130 E Valley View Pkwy, Independence, MO 64057 1590
Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

As High As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Premier Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Premier Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO 64055 5406
Premier Money Market
0.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Premier Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO 64055
Classic Money Market
0.75%
$2,500
View
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Account
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier 6
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Account
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier 5
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier 4
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Premier Money Market
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Account
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier 3
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier I
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO 64055
Money Market Multiplier Tier 2
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Premier Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Business Money Market
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Business Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 S Noland Rd, Independence, MO 64055
Business Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO 64055
Money Market Plus Account
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Platinum Money Market
3.96%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Limit 1 withdrawal per month

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.82%
$0
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Premier Money Markets
3.81%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Premier Money Markets
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Premier Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

introductory rate

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Your Best Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Money Market
3.56%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Premier Money Markets
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Elite Money Market
3.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Balances below $200,000 accrue at a rate of 0.35% APY*

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.50%
$50,000
View
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedMay 15, 2026
Details

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Money Market
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Money Market forPersonalandBusiness
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Express Money Market
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New Deposits Only

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

up to

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Money Market (Premium Coverage)
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Prime Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Premier Money Markets
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.25%
$25,000
View
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedMay 15, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Money Market forPersonalandBusiness
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Platinum Money Market
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Limit 1 withdrawal per month

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Money Market (Premium Coverage)
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Earn up to 3.00% APY with tiered rates; Make up to 20 debits per month

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET and up
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$250,000.00

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Personal Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET
2.75%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$100,000-$249,999.99

Kearney Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Money Market
2.75%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Daily Balance $250,000.00 and up

Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET
2.50%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$50,000.00-$99,999.99

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
2.32%
$0
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
2.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
2.22%
$0
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Premier Money Market
2.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
ADVANTAGE Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
ADVANTAGE Business Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$25,000.00-$49,999.99

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. Rates reflect recent market quotes and representative offers available to depositors in Independence, Missouri and the surrounding area.

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.

Independence, MO Money Market Rate Trends

Compare local Independence, 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.

View Full Missouri MMA Trends →
High-Yield MMA — MO Avg
3.262%
Unchanged vs 7 days ago

Missouri high-yield MMA rates currently average 3.262% APY.

Standard MMA — MO Avg
0.694%
Unchanged vs 7 days ago

Missouri standard MMA rates currently average 0.694% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Independence, 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 Independence, 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 Independence, 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 Independence, Missouri

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Missouri.

Are Money Market accounts in Independence, 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 MMA rates change in Independence, Missouri?

Money market 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.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Independence, Missouri?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Independence, Missouri require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Independence, Missouri

Here are some of the highest money market account APYs currently available in Independence, Missouri and the surrounding area:
  • UNIFY Financial Federal Credit Union
    Money Market Plus Account — 3.25% APY
  • United Consumers Credit Union
    Preferred Money Market — 2.15% APY
  • 1st MidAmerica Credit Union
    Money Market — 2.02% APY
  • Missouri Central Credit Union
    Premier Money Market — 1.90% APY
  • Public Safety Credit Union
    Money Market — 1.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Independence, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026

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