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

Content reviewed by
Brian McKay Brian McKay
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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 4, 2026

Current Springfield, Missouri and the surrounding area money market deposit account rates include Multipli Credit UnionMultipli Credit Union818 N Benton Ave, Springfield, MO 65802 3704A+5.0 ★Texas Ratio: 0.72% Platinum Money Market at 4.01% APY, Bank NorthwestBank NorthwestA+5.0 ★Texas Ratio: 1.15% BUSINESS PINNACLE MONEY MARKET at 3.82% APY, Academy BankAcademy Bank2021 E Independence St, Springfield, MO 65804A+5.0 ★Texas Ratio: 5.58% Premier Money Market at 3.65% APY, Your Best Credit UnionYour Best Credit UnionA+5.0 ★Texas Ratio: 0.14% Money Market at 3.56% APY, and Sullivan BankSullivan Bank2655 S Campbell Ave, Springfield, MO 65807A5.0 ★Texas Ratio: 7.14% Premium Money Market at 3.50% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.

Springfield has 8 local institutions in our database, with money market rates as high as 4.01% APY from Multipli Credit Union at 818 N Benton Ave, Springfield, MO 65802 3704. 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 Springfield, Missouri and surrounding area. Last Updated and Verified: May 4, 2026

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

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Multipli Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
Platinum Money Market
4.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Balances Above $100,000; No monthly fees; Limit 1 withdrawal per month; Monthly dividends

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
2021 E Independence St, Springfield, MO 65804
Premier Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

introductory rate

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Premium Money Market
3.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
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*

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Premium Money Market
3.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Premium Money Market
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Money Market
2.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
2655 S Campbell Ave, Springfield, MO 65807
Premium Money Market
2.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
2021 E Independence St, Springfield, MO 65804
Premier Money Market
2.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Multipli Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO 65802 3704
Money Market
2.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Balances Under $100,000; No monthly fees; Limit 3 withdrawals per month; Monthly dividends

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 3, 2026
Details

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 3, 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 3, 2026
Details

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—
UpdatedApr 8, 2026
Details

as high as

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

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 4, 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 2, 2026
Details

$15,000+

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Express Money Market - New Deposits Only
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

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 3, 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 3, 2026
Details

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 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 4, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management (Money Market)
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 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 3, 2026
Details

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 3, 2026
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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 3, 2026
Details

$250,000.00

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

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 4, 2026
Details

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management (Money Market)
2.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Money Market
2.84%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 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 3, 2026
Details

$100,000-$249,999.99

Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Money Market Accounts
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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 3, 2026
Details

Daily Balance $250,000.00 and up

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Money Market
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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 3, 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 3, 2026
Details

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 3, 2026
Details

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 3, 2026
Details

$50,000.00-$99,999.99

Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Super Money Market Account (Super MMA)
2.50%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Money Market
2.43%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management (Money Market)
2.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Money Market
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Balance Requirement $150,000

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 3, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Money Market
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Preferred Money Market
2.15%
$75,000
View
▼
Rate2.13%
Min Deposit$75,000
Min Balance—
UpdatedMay 2, 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 3, 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 3, 2026
Details

1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market - up
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

$250,000

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 3, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Preferred Money Market
2.05%
$50,000
View
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMay 2, 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 3, 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 3, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Money Market Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
IRA MONEY MARKET
2.00%
$1,000
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 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 3, 2026
Details

$25,000.00-$49,999.99

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Balance Requirement $100,000

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Money Market
1.97%
$0
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Money Market
1.92%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Premier Money Market
1.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Money Market
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Exchange Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Money Market
1.80%
$500
View
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
1.77%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Money Market Tier 5
1.76%
$1,000
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

$250,000.00- $9,999,999.99

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Business Money Market ++ Tier 5
1.76%
$1,000
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET Daily Balances of
1.75%
$1,000
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

$1,000.00 - $24,999.99

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Balance Requirement $25,000

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Preferred Money Market
1.60%
$10,000
View
▼
Rate1.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Premier Money Market
1.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

For balances over $100,000.01

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Money Market Account
1.51%
$100
View
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

Balance over $50,000

Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Kearney Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Money Market
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Daily Balance $100,000.00 to $249,999.99

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
High Yield Money Market
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Money Market
1.46%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

United Consumers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Preferred Money Market
1.30%
$2,500
View
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Premier Money Market
1.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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 Springfield, 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.

Springfield, MO Money Market Rate Trends

Compare local Springfield, 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
3.051%
▼ 0.404 vs 7 days ago

Missouri high-yield MMA rates fell 0.404 points over the past 7 days to 3.051% APY.

Standard MMA — MO Avg
0.724%
▼ 0.033 vs 7 days ago

Missouri standard MMA rates fell 0.033 points over the past 7 days to 0.724% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Missouri

Here are some of the highest money market account APYs currently available in Springfield, Missouri and the surrounding area:
  • Multipli Credit Union
    Platinum Money Market — 4.01% APY
  • Bank Northwest
    BUSINESS PINNACLE MONEY MARKET — 3.82% APY
  • Academy Bank
    Premier Money Market — 3.65% APY
  • Your Best Credit Union
    Money Market — 3.56% APY
  • Sullivan Bank
    Premium Money Market — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Springfield, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026

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