Best Money Market Rates in Kansas City, Missouri - July 2026
Brian McKay
Brian McKay
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Current Kansas City, Missouri and the surrounding area money market deposit account rates include Academy BankAcademy Bank1201 Walnut St, Kansas City, MO 64106A+5.0 ★Texas Ratio: 5.58% Premier Money Market at 3.65% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union6390 N Cosby Ave, Kansas City, MO 64151B4.4 ★Texas Ratio: 17.71% Money Market Plus Account at 3.25% APY, NBKC BankNBKC Bank9750 N Ash Ave, Kansas City, MO 64157A+5.0 ★Texas Ratio: 3.02% Money Market Account at 3.00% APY, Missouri Central Credit UnionMissouri Central Credit Union5090 N Oak Trfy, Kansas City, MO 64118 4619A+5.0 ★Texas Ratio: 3.83% Premier Money Market at 1.90% APY, and CSD Credit UnionCSD Credit Union8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841A+5.0 ★Texas Ratio: 1.09% High Yield Money Market at 1.50% APY. Money market rates as of July 16, 2026 according to verified data from MonitorBankRates.
Kansas City has 8 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 1201 Walnut St, Kansas City, MO 64106. 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 Kansas City, Missouri and surrounding area. Last Updated and Verified: July 16, 2026
Compare the Best Money Market Rates Today in Kansas City, Missouri & the Surrounding Area
introductory rate for 6 months
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.
As Low As
Money Market
New money only
New money only
Balances over $250,000 accrue at a rate of 3.50 % APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
This account pays 3.50% APY* for balances of $200,000 or more. The rate varies based on the balance in the account. Annual Percentage Yield's are accurate as of January 13, 2023. Rates may change after account opening.
Funds should be flexible - Stretch your savings further.
**
Qualified balances over $500,000
As Low As; View All High-Yield Options
Balances of $100,000 to $249,999.99 accrue at a rate of 3.25% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
Limit 1 withdrawal per month. Must deposit $250,000 or more to earn highest yield. Minimum balance that must be met to avoid a service fee and earn dividends.
Balances of $50,000 to $99,999.99 accrue at a rate of 3.00% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
$250,000.00 and up
Earn up to 3.00% APY with tiered rates
Effective date 3/1/26
Daily Balance $250,000.00 and up
$100,000-$249,999.99
$50,000.00-$99,999.99
Balances of $10,000 to $49,999.99 accrue at a rate of 2.25% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
$25,000.00-$49,999.99
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.
Kansas City, MO Money Market Rate Trends
Compare local Kansas City, 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 rose 0.011 points over the past 7 days to 3.268% APY.
Missouri standard MMA rates fell 0.183 points over the past 7 days to 0.522% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in Kansas City, Missouri safe?
How often do MMA rates change in Kansas City, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Kansas City, Missouri?
Best Money Market Rates in Kansas City, Missouri
- Academy Bank
Premier Money Market — 3.65% APY - UNIFY Financial Federal Credit Union
Money Market Plus Account — 3.25% APY - NBKC Bank
Money Market Account — 3.00% APY - Missouri Central Credit Union
Premier Money Market — 1.90% APY - CSD Credit Union
High Yield Money Market — 1.50% APY
Kansas City, Missouri Rates & Resources
