Liberty, Missouri Money Market Rates - October 2026
Brian McKay
Brian McKay
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Liberty, Missouri money market account rates range from 0.01% to 4.23% APY, verified by MonitorBankRates as of October 20, 2026. Current Liberty, Missouri and the surrounding area money market deposit account rates include Academy BankAcademy Bank110 S Stewart Rd, Liberty, MO 64068A+5.0 ★Texas Ratio: 5.08%Real return: +0.85%APY minus 2.8% CPI (February 2026) Premier Money Market at 3.65% APY, US BankUS Bank1909 W Kansas St, Liberty, MO 64068A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Pony Express BankPony Express Bank215 N 291 Hwy, Liberty, MO 64068A+5.0 ★Texas Ratio: 1.27%Real return: +0.24%APY minus 2.8% CPI (February 2026) Money Market at 3.04% APY, Capitol Federal Savings BankCapitol Federal Savings Bank1911 Star Dr, Liberty, MO 64068A+5.0 ★Texas Ratio: 5.21%Real return: -1.30%APY minus 2.8% CPI (February 2026) Commercial Money Market at 1.50% APY, and 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. Money market rates as of October 20, 2026 according to verified data from MonitorBankRates.
Liberty has 4 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 110 S Stewart Rd, Liberty, MO 64068. Use the table below to compare all available offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Liberty, Missouri and surrounding area. Last Updated and Verified: October 20, 2026
Compare the Best Money Market Rates Today in Liberty, Missouri & the Surrounding Area
Introductory promotional APY for 6 months from account opening; 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 10/19/2026; $1,000 minimum balance per statement cycle avoids $10 monthly service charge
Balance: $25,000 to $49,999.99; New clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
Balance: $500,000 and above; Interest paid on daily balances $500,000 and above; Daily Minimum Balance to avoid fee: $2,000
Balance: $250,000-$499,999.99; Interest paid on daily balances $250,000-$499,999.99; Daily Minimum Balance to avoid fee: $2,000
Balance: $250,000 and up
Balance: $100,000-$249,999.99; Interest paid on daily balances $100,000-$249,999.99; Daily Minimum Balance to avoid fee: $2,000
Balance: $100,000 - $249,999.99
Balance: $200,000 - $749,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $199,999.99
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: $100,000 to $199,999.99
Balance: $0.01 to $9,999.99
Balance: $25,000-$99,999.99; Interest paid on daily balances $25,000-$99,999.99; Daily Minimum Balance to avoid fee: $2,000
Balance: $0.00 - $49.999.99
Balance: $25,000 to $49,999.99
Balance: $0-$24,999.99; Interest paid on daily balances $0-$24,999.99; Daily Minimum Balance to avoid fee: $2,000
Balance: $1,000 to $9,999.99
Balance: $0 to $9,999.99; Standard rate for new accounts (rate valid for new clients only; ZIP 55402)
- Oct 11, 20264.23%▲ from 0.05%
- Oct 7, 20260.05%first recorded
- Oct 11, 20264.19%▲ from 0.05%
- Oct 7, 20260.05%first recorded
Interest credited monthly; Account maximum: No Max; Variable rate, initial APY for new depositors only; Rates effective as of 12/19/25; Unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas
- Oct 11, 20263.91%▲ from 0.05%
- Oct 7, 20260.05%first recorded
Balance: $1,000,000+; Minimum Balance to Earn Interest: $1,000,000
Balance: $1,500,000.00 - $99,999,999.99
Balance: $1,000 - $20,000; Rate is current as of 08/20/2026; Minimum $1,000 to Open; $1,000 minimum balance to obtain APY; Statement Frequency: Quarterly
Balance: $100,000 and over; Compounded monthly; A minimum balance of $50,000 is required to earn dividends
Balance: $500,000 - $999,999.99; Minimum Balance to Earn Interest: $500,000
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $250,000 or more; Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000,000.00 - $1,499,999.99
Balance: $1,500,000.00 - $99,999,999.99
Balance: $500,000 - $999,999.99
Balance: $100,000 - $249,999.99
Qualifications Required; Minimum average daily balance $10,000; Monthly fee if requirement not met:; APY if requirement(s) not met: Same as Regular Savings Account
Qualifications Required; Balance: $10,000 -$500,000; Minimum of $10,000 ADB; interest calculated on average daily balance (ADB) monthly and paid at month-end
- Oct 9, 20263.55%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Balance: $75,000-$99,999; Compounded monthly; A minimum balance of $50,000 is required to earn dividends
Balance: $150,000.00 and above
Balance: $1,000,000 - $9,999,999.99
Balance: $1,000,000+
Balance: $200,000 and over; Rates may change after account opening
Balance: Over $250,000; Rates may change after account opening
Balance: $50,000+; Monthly Service Fee: $0 ($10 if balance falls below $1,000); Requires minimum deposit of $50,000 transferred from another bank
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $15,000+; Intro rate
- 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: $500,000 +; Open at a branch, by video banking call, or via 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 +; New deposits only
Balance: $10,000.00 or greater; 0.00% APY on balances of $9,999.99 or less; Qualifying loan relationship required to open: commercial, mortgage or home equity loan with open amount of $100,000 or greater, or home equity line of credit with a credit line of $100,000 or greater; APY effective as of 1/1/2026
Balance: $150,000.00 - $249,999.99; $20 monthly fee if balance falls below $25,000
Balance: $150,000.00 - $249,999.99
Balance: $500,000 +
No standard term; up to 6 withdrawals per month without penalty; insured up to $2,000,000 by Excess Share Insurance Corporation (ESI); ideal if you have exceeded NCUA insurance coverage limits
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; A minimum balance of $50,000 is required to earn dividends
Balance: Minimum $10,000
Balance: $50,000.00 - $99,999.99; $20 monthly fee if balance falls below $25,000
Balance: $50,000.00 - $99,999.99
Balance: $75,000.00 and over
Balance: $75,000 and over; Effective date 10/1/26; Dividends earned on the entire balance, based on the tier in which average daily balance falls
Balance: $0.00 - or more; $10 monthly fee if balance falls below $1,000
Balance: $25,000.00 - $49,999.99; $20 monthly fee if balance falls below $25,000
Balance: $25,000.00 - $49,999.99
Balance: $50,000.00 - $74,999.99
Balance: $250,000 - $499,999.99; Open at a branch, by video banking call, or via online or mobile banking
Balance: $500,000+
Balance: $250,000 - $499,999.99
Balance: $50,000 or more; Compounding and crediting: Monthly
Balance: $50,000 - $74,999; Effective date 10/1/26; Dividends earned on the entire balance, based on the tier in which average daily balance falls
Balance: $100,000 and over; Six withdrawals or transfers per statement period; Federally insured; tied to Fed Funds
Balance: $1,000,000.00 and over; Dividends compounded and paid monthly; Rates effective August 20, 2026
Balance: $100,000 or more
Balance: $10,000.00 - $49,999.99
Balance: $100,000 - $249,999.99; Open at a branch, by video banking call, or via online or mobile banking
Balance: $25,000 - $49,999; Compounding and crediting: Monthly
Balance: $100,000 - $249,999; dividends paid monthly
Balance: $20,000 - $49,999; Effective date 10/1/26; Dividends earned on the entire balance, based on the tier in which average daily balance falls
Balance: $100,000 - $249,999.99
Balance: $75,000 - $99,999; Six withdrawals or transfers per statement period; Federally insured; tied to Fed Funds
Balance: $2,500.00 - $9,999.99
Balance: $100,000+
- Oct 9, 20262.78%▲ from 2.73%
- Sep 14, 20262.73%first recorded
Balance: $50,000 - $99,999.99
As high as 2.73% APY; rates tiered by balance ranges across 6 tiers (see Rates page); $2,500 starts earning higher interest than a savings account; No monthly fee if balance requirement not met; APY if requirement(s) not met: Same as Regular Savings Account
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.
Liberty, MO Money Market Rate Trends
Compare local Liberty, 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 0.001 points over the past 7 days to 3.215% APY.
Missouri standard MMA rates rose 0.080 points over the past 7 days to 0.636% APY.
Liberty, 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 3.215% 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 Liberty, Missouri.
Money Market Account Earnings in Liberty, 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 (3.215% APY) | Monthly Earnings | Standard MMA (0.636% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $321.45 / year | $26.79 | $63.58 / year | $5.30 |
| $25,000 | $803.63 / year | $66.97 | $158.95 / year | $13.25 |
| $50,000 | $1,607.25 / year | $133.94 | $317.90 / year | $26.49 |
| $100,000 | $3,214.50 / year | $267.88 | $635.80 / year | $52.98 |
| 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: Liberty, Missouri money market rate averages as of October 20, 2026. | ||||
About Our Liberty, Missouri Money Market Rate Database
MonitorBankRates found 4 institutions with branches in Liberty, plus 36 additional state-chartered and national online institutions available to Liberty 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 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: Academy Bank offers a money market account at 3.65% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Liberty, Missouri.
How to Find the Best Money Market Rates in Liberty, Missouri
What to compare when shopping for a money market account in Liberty, Missouri
To find the best money market APYs in Liberty, Missouri, start with credit unions and online-only banks: Liberty, Missouri has 18 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 3.215% but top local institutions are offering as high as 3.65%, 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. Liberty, Missouri high-yield money market rates currently average 3.215% 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 Liberty, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Liberty, 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 Liberty, Missouri CD rates
- You don’t need check writing and want a lower minimum Liberty, Missouri savings rates
- You need daily transaction access Liberty, Missouri checking rates
Liberty, Missouri Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.9% of residents are 65 or older, below the national average of 17.3%. At today’s MO high-yield money market average of 3.215%, saving 10% of the local median salary ($5,289/year) would earn an additional $170 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Liberty, Missouri Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Liberty, Missouri.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 3.215% | View Savings Rates | 0.636%(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 Liberty, Missouri averages tracked in our database as of October 20, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Liberty, 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 Liberty, 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 Liberty, Missouri
At MO’s top money market rate of 3.65% from Academy Bank, a $10,000 deposit earns $365 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Liberty, Missouri earner is roughly $13,200. At 3.215% APY in a money market account, saving $1,100/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 3.215% 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 Liberty, Missouri earner makes $52,890/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.215% APY.
Retirement PlannerA $25,000 money market balance earning 3.215% APY grows to roughly $47,071 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 Liberty, 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 Liberty, 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 Liberty, 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 Liberty, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in Liberty, Missouri safe?
How often do MMA rates change in Liberty, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Liberty, 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 Liberty, Missouri for money market accounts?
Best Money Market Rates in Liberty, Missouri
- Academy Bank
Premier Money Market: 3.65% APY - US Bank
Elite Money Market Account: 3.40% APY - Pony Express Bank
Money Market: 3.04% APY - Capitol Federal Savings Bank
Commercial Money Market: 1.50% APY - Community Bank of Raymore
Money Market (Business and Personal): 4.23% APY
Liberty, Missouri Rates & Resources
