Kansas City, Missouri Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Kansas City, Missouri and the surrounding area money market deposit account rates include North American Savings Bank (NASB)North American Savings Bank (NASB)7012 Nw Barry Rd, Kansas City, MO 64153A+5.0 ★Texas Ratio: 5.08%Real return: +1.20%APY minus 2.8% CPI (February 2026) High-Yield Money Market Promotion at 4.00% APY, Academy BankAcademy Bank1201 Walnut St, Kansas City, MO 64106A+5.0 ★Texas Ratio: 5.58%Real return: +0.85%APY minus 2.8% CPI (February 2026) Premier Money Market Account at 3.65% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City711 Minnesota Ave, Kansas City, KS 66101A+5.0 ★Texas Ratio: 4.95%Real return: +0.65%APY minus 2.8% CPI (February 2026) Business Money Market at 3.45% APY, Blue Ridge Bank and Trust Co.Blue Ridge Bank and Trust Co.4315 Sterling Ave, Kansas City, MO 64133A+5.0 ★Texas Ratio: 2.89%Real return: +0.48%APY minus 2.8% CPI (February 2026) Business Maximum Yield Money Market at 3.28% APY, and Central Bank of Kansas CityCentral Bank of Kansas City2301 Independence Boulevard, Kansas City, MO 64124A+5.0 ★Texas Ratio: 0.00%Real return: +0.25%APY minus 2.8% CPI (February 2026) Money Market at 3.05% APY. Money market rates as of August 31, 2026 according to verified data from MonitorBankRates.
Kansas City has 16 local institutions in our database, with money market rates as high as 4.00% APY from North American Savings Bank (NASB) at 7012 Nw Barry Rd, Kansas City, MO 64153. 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: August 31, 2026
Compare the Best Money Market Rates Today in Kansas City, Missouri & the Surrounding Area
Promotional rate and cap are subject to change. Promo account will automatically convert to standard Money Market Account after 12 months. Funds deposited must be new money. Balances above $100,000 will earn the same dividend as AdelFi Savings Account of 0.10%. Limit ONE High-Yield Money Market Account per member.
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.
Variable rate account with easy access and maximum liquidity. There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.
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.
All Balances
Variable rate account with easy access and maximum liquidity. There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.
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.
Variable rate account with easy access and maximum liquidity. There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.
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.
Balance: $200,000 - $749,999.99
Variable rate account with easy access and maximum liquidity. There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.
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.
Balance: $50,000 - $199,999.99
As High As; **
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.
Qualifications Required: Qualifications Required; All balances if qualifications are not met: 0.01%; Qualifying balance up to $7,500.00
New money only
New money only
Intro rate APY 3.50%
$15,000+; Intro rate
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 0.019 points over the past 7 days to 3.312% APY.
Missouri standard MMA rates rose 0.006 points over the past 7 days to 0.705% APY.
Kansas City, 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 2026–2027.
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 3.312% 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 Kansas City, Missouri.
Money Market Account Earnings in Kansas City, 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 (3.312% APY) | Monthly Earnings | Standard MMA (0.705% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $331.16 / year | $27.60 | $70.45 / year | $5.87 |
| $25,000 | $827.90 / year | $68.99 | $176.13 / year | $14.68 |
| $50,000 | $1,655.80 / year | $137.98 | $352.25 / year | $29.35 |
| $100,000 | $3,311.60 / year | $275.97 | $704.50 / year | $58.71 |
| 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: Kansas City, Missouri money market rate averages as of September 1, 2026. | ||||
About Our Kansas City, Missouri Money Market Rate Database
MonitorBankRates found 16 institutions with branches in Kansas City (10 banks, 6 credit unions), plus 13 additional state-chartered and national online institutions available to Kansas City residents. 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: North American Savings Bank (NASB) offers a money market account at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Kansas City, Missouri.
How to Find the Best Money Market Rates in Kansas City, Missouri
What to compare when shopping for a money market account in Kansas City, Missouri
To find the best money market APYs in Kansas City, Missouri, start with credit unions and online-only banks — Kansas City, Missouri has 11 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 MO high-yield money market average is 3.312% — 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. Kansas City, Missouri high-yield money market rates currently average 3.312% 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 Kansas City, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 29 institutions in Kansas City, Missouri 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 → Kansas City, Missouri CD rates
- You don’t need check writing and want a lower minimum → Kansas City, Missouri savings rates
- You need daily transaction access → Kansas City, Missouri checking rates
Missouri Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO high-yield money market average of 3.312%, saving 10% of the local median salary ($4,277/year) would earn an additional $142 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Kansas City, Missouri Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Kansas City, Missouri.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 3.312% | View Savings Rates | 0.705%(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 Kansas City, Missouri averages tracked in our database as of September 1, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Kansas City, 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 Kansas City, 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 Kansas City, Missouri
At MO’s top money market rate of 4.00% from North American Savings Bank (NASB), 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 Kansas City, Missouri earner is roughly $10,700. At 3.312% APY in a money market account, saving $890/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 3.312% 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 Kansas City, Missouri earner makes $42,774/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.312% APY.
Retirement PlannerA $25,000 money market balance earning 3.312% APY grows to roughly $47,965 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 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?
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 Kansas City, Missouri for money market accounts?
Best Money Market Rates in Kansas City, Missouri
- North American Savings Bank (NASB)
High-Yield Money Market Promotion — 4.00% APY - Academy Bank
Premier Money Market Account — 3.65% APY - First Federal Bank of Kansas City
Business Money Market — 3.45% APY - Blue Ridge Bank and Trust Co.
Business Maximum Yield Money Market — 3.28% APY - Central Bank of Kansas City
Money Market — 3.05% APY
Kansas City, Missouri Rates & Resources
