Best Money Market Rates in Saint Joseph, Missouri - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Saint Joseph, Missouri and the surrounding area money market deposit account rates include Academy BankAcademy Bank4201 N Belt Hwy, Saint Joseph, MO 64506A+5.0 ★Texas Ratio: 5.58% Premier Money Market at 3.65% APY, Postal and Community Credit UnionPostal and Community Credit Union3921 Oakland Ave, Saint Joseph, MO 64506A+5.0 ★Texas Ratio: 3.71% Money Market Account at 3.00% APY, United Consumers Credit UnionUnited Consumers Credit Union724 N Belt Hwy, Saint Joseph, MO 64506 3011A+5.0 ★Texas Ratio: 3.93% Preferred Money Market at 2.15% APY, Flanagan State BankFlanagan State Bank2335 N Belt Hwy Ste D, Saint Joseph, MO 64506A5.0 ★Texas Ratio: 10.36% Money Market at 0.22% APY, and BluCurrent Credit UnionBluCurrent Credit UnionA+5.0 ★Texas Ratio: 3.56% Money Market (Premium Coverage) at 5.00% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Saint Joseph has 4 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 4201 N Belt Hwy, Saint Joseph, MO 64506. 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 Saint Joseph, Missouri and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Saint Joseph, Missouri & the Surrounding Area
introductory rate for 6 months
Less than $10,000.00
Qualifying balance up to $7,500.00
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.
New money only
New money only
**
Qualifications apply
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.
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.
$250,000.00
Earn up to 3.00% APY with tiered rates
Effective date 3/1/26
$100,000-$249,999.99
Balance of more than $500,000
Effective date 3/1/26
$50,000.00-$99,999.99
Effective date 3/1/26
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.
$250,000
$25,000.00-$49,999.99
$1,000.00 - $24,999.99
Balance over $50,000
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.
Saint Joseph, MO Money Market Rate Trends
Compare local Saint Joseph, 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 currently average 3.268% APY.
Missouri standard MMA rates rose 0.007 points over the past 7 days to 0.528% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in Saint Joseph, Missouri safe?
How often do MMA rates change in Saint Joseph, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Saint Joseph, Missouri?
Best Money Market Rates in Saint Joseph, Missouri
- Academy Bank
Premier Money Market — 3.65% APY - Postal and Community Credit Union
Money Market Account — 3.00% APY - United Consumers Credit Union
Preferred Money Market — 2.15% APY - Flanagan State Bank
Money Market — 0.22% APY - BluCurrent Credit Union
Money Market (Premium Coverage) — 5.00% APY
Saint Joseph, Missouri Rates & Resources
