Lowry City, Missouri Savings Rates - October 2026
Brian McKay
Brian McKay
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Lowry City, Missouri savings account rates range from 1.00% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Lowry City, Missouri and the surrounding area include Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +7.20%APY minus 2.8% CPI (February 2026) Youth Savings at 10.00% APY, Neighbors Credit UnionNeighbors Credit UnionA5.0 ★Texas Ratio: 7.12%Real return: +7.20%APY minus 2.8% CPI (February 2026) SMART Savings at 10.00% APY, Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MOA+5.0 ★Texas Ratio: 4.70%Real return: +7.20%APY minus 2.8% CPI (February 2026) Star Student Savings Club at 10.00% APY, Mainstreet Federal Credit UnionMainstreet Federal Credit UnionA+5.0 ★Texas Ratio: 4.02%Real return: +2.45%APY minus 2.8% CPI (February 2026) Emergency Savings at 5.25% APY, and JM Associates Federal Credit UnionJM Associates Federal Credit UnionA+5.0 ★Texas Ratio: 2.91%Real return: +2.32%APY minus 2.8% CPI (February 2026) Reward Savings at 5.12% APY.
Lowry City is a smaller community with no bank or credit union branches currently in our database. 69 institutions serving the Missouri area are available to Lowry City residents, with savings rates as high as 10.00% APY from Century Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lowry City, Missouri and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Lowry City, Missouri & Surrounding Communities
Super-high dividends paid on balances up to $1,000. Cash rewards for deposits $1-$10 awarded at different transaction intervals. Financial incentives for good grades Up to $20 each year. High dividends are paid out quarterly. Cash is awarded and electronically deposited into your child's account after their 6th, 12th, 18th and 24th in-person deposits of $5 or more. Your child can receive $1 for every 'A' or equivalent earned, up to $5 per quarter.
Balance: $1 - $1,000; Qualifying balance up to $1,000.00
Ages: 0-12; Balance: $0.00 - $500.00; Rate of 9.57% gives 10.00% APY on the first $500; funds above $500 earn the regular savings rate; $1 for each A or B on semester report card; maximum payout $25/year per youth account; open at any branch
Balance: $0-$1,000; Credited and compounded quarterly
Rates effective as of 10/01/2026
Balance: $0.01 - $1,000.00; Qualifying balance up to $1,000.00
Balance: $0 - $500.00
Debit Card: Yes; For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
Featured rate in Alltru Savings Accounts section on Money Market page
Balance: $0 - $15,000.00; Qualifications, limits, and other requirements apply to the Heroes Savings account; Rates effective July 1, 2025
Qualifying balance up to $10,000.00
Balance: $0 - $2,499.99
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Balance: $1.00 - $2,500.00; Qualifications Required; First tier APY; Consumer accounts only; Limit one High Interest Savings or Delta Savings account per member; Rates effective as of 10/13/2026
Rate is effective as of August 31, 2023. An interest rate of .01% will be paid only for that portion of your daily balance that is greater than $1000.00. The annual percentage yield for this tier will range from 4.50% to .01%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $1,000.) Fees could reduce earnings. Rates are variable and are subject to change at the bank's discretion. Rates are calculated on a daily balance method. Limited to one Kid's Grow Savings account per child social security number. At the age of sixteen (16), the account will be converted to a Future Progressive Savings account.
Balance: $0.00 - $250,000.00
New account APY only; variable rate account, APY may change without notice; interest compounded daily; no monthly maintenance fee; no minimum balance required; available exclusively online and by phone
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Deposits and withdrawals comply with Federal Regulations
- Oct 9, 20264.18%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Balance: $.01 - $500.00
Balances exceeding $20,000.01- 0.05%/0.05% APY. Rate is subject to change at financial institution's discretion. Fees may reduce earnings. Rate is current as of 08/20/2026. One account per customer social security number. Quarterly Statement Frequency. Interest is compounded daily, credited monthly. Limited to 4 combined total withdrawals per month Withdrawals exceeding 4 will be charged a $2.00 item fee per withdrawal over the limit allowed. *Internal transfers are not counted as a withdrawal.
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Interest Credited: Monthly; FDIC Insured: Yes; Account Maximum: $500,000; APY effective 10/13/2026; Restrictions may apply
Minimum $2,000.00 / Maximum $20,000.00
Earn Up To 3.50% APR On Saved Funds (page label reads APR); Maximum deposit $20,000; Funds over $20,000 do not earn dividends; Dividends paid monthly; Free overdraft protection
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: Balances Through $249,999.99; Minimum opening deposit $10; No minimum balance
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
- Oct 8, 20263.30%▲ from 3.05%
- Sep 16, 20263.05%first recorded
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $5MM and over; Tiered rate account, minimum balance of $100,000 required to obtain the premium APY
Balance: $1,000,000 - up
Compounding and Crediting Frequency: Monthly; Rate only available for Health Savings Account contributions.
Balance: $0 - $50,000.00
APY accurate as of 10-01-2025; Minimum Balance for APY: $0.01; Online Only
Qualified; Balance: up to $10,000.00; Qualifying balance up to $10,000
Earn and Learn available to members up through age 18; APY dividend of 2.96% on balances $5.00-$2,500.00; Balances over $2,500.00 earn APY 0.20%; Minimum Balance/Average Daily Balance: $5/$5
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $25,000 - $99,999.99; Tiered rate account, minimum balance of $100,000 required to obtain the premium APY
Minimum balance to obtain stated APY is $5.00. Rate only valid on Savings accounts that adhere to the requirements of the "Missouri Transfers to Minors Law".
Balance: up to $1,499,999; Interest compounded daily and paid monthly; $0.01 minimum monthly balance requirement; No maintenance fees; $30 account closure fee if closed within 90 days; Online Only
Balance: $500,000 - $999,999.99
Quarter ending September 30, 2026; Dividends compounded quarterly
Qualifications Required: Qualifications Met*; Qualifications Met*; Balance: $0.01-$25,000
Balance: $0 - $50,000.00
Balance: All Balances
Qualifications Required: Qualifications not met; Balance: 0 - $25,000
Balance: less than $25,000 daily balance; $0 minimum balance; No withdraw penalties; No maintenance fees
Balance: Up to $50,000; Qualifying balance up to $50,000
- Oct 14, 20262.00%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $5,000.00 to $24,999.99; Variable rate account: rate may change after account is opened
Balance: $25,000.01 - $50,000.00
Balance: $100,000+; Rates effective as of 10/01/2026
Balance: $25,000 - $99,999; Rates effective as of 10/01/2026
Balance: $2,500-$24,999; Must maintain a minimum average daily balance of $2,500 to earn dividends; Rates effective as of 10/01/2026
Balance: $25,000.01 - 50,000.00
Balance: $1,000 - $499,999.99
Balance: $1,000.00 +
Balance: $5,000.00 & over; See Customer Service for details; Compounded Monthly
$3.00 service charge if account falls below $25.00. Nine withdraws per quarter free of charge. $.50 per withdraw after nine.
- Sep 24, 20261.40%▲ from 1.16%
- Sep 14, 20261.16%first recorded
Balance: up to $25,000
Balance: $50,000+
Earn Up To 1.25% APR On Saved Funds (page label reads APR); No minimum balance+; Dividends paid monthly; Free overdraft protection; +Primary share requires a minimum $25 initial deposit
Balance: $25,000.00 and over
Balance: $5,000.00-$24,999.99
Balance: $10,000.01 - 25,000.00
Qualified; Balance: up to $25,000.00; Qualifying balance up to $25,000
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.
Lowry City, MO Savings Rate Trends
Compare local Lowry City, MO savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Missouri high-yield savings rates fell 0.021 points over the past 7 days to 2.003% APY, down from 2.024%.
Missouri standard savings rates rose 0.046 points over the past 7 days to 0.416% APY, up from 0.369%.
Lowry City, Missouri Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MO high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.003% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Lowry City, Missouri.
Savings Account Earnings in Lowry City, Missouri
Annual interest earnings at current MO average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.003% APY) | Monthly Earnings | Standard Savings (0.416% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.15 / year | $8.35 | $20.79 / year | $1.73 |
| $10,000 | $200.29 / year | $16.69 | $41.58 / year | $3.47 |
| $25,000 | $500.72 / year | $41.73 | $103.95 / year | $8.66 |
| $50,000 | $1,001.45 / year | $83.45 | $207.90 / year | $17.33 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Lowry City, Missouri savings rate averages as of October 14, 2026. | ||||
About Our Lowry City, Missouri Savings Rate Database
MonitorBankRates tracks savings rate offers from 45 banks and credit unions available to Lowry City, Missouri residents via statewide and national offers. No branch locations physically in Lowry City are currently in our database, but all listed offers are open to Lowry City depositors. 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: Century Credit Union offers a savings account at 10.00% APY with a minimum deposit of $1. Use the rate table above to compare all current offers in Lowry City, Missouri.
How to Find the Best Savings Rates in Lowry City, Missouri
What to compare when shopping for a savings account in Lowry City, Missouri
To find the best savings APYs in Lowry City, Missouri, start with credit unions and online-only banks: Lowry City, Missouri has 19 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MO high-yield savings average is 2.003% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Lowry City, Missouri high-yield savings rates currently average 2.003% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Lowry City, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in Lowry City, Missouri report savings 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 Lowry City, Missouri CD rates
- You want check-writing flexibility Lowry City, Missouri money market rates
- You need daily transaction access Lowry 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 savings average of 2.003%, saving 10% of the local median salary ($4,277/year) would earn an additional $86 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lowry City, Missouri Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lowry City, Missouri.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 2.003% | 0.416% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Lowry City, Missouri averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lowry City, Missouri
At MO’s top rate of 10.00% from Century Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lowry City, Missouri earner is roughly $10,700. At 2.003% APY, saving $890/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMissouri’s high-yield savings average is 2.003% APY, variable and always accessible. 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 Lowry City, Missouri earner makes $42,774/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.003% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.003% APY grows to roughly $37,170 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 Lowry City, Missouri savings 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 Savings Rate Data: We aggregate savings account rates for Lowry 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 savings 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 Lowry City, Missouri. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Lowry City, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lowry City, Missouri safe?
How often do savings rates change in Lowry City, Missouri?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Lowry City, Missouri?
How do I open a savings account in Lowry City, Missouri?
Best Savings Rates in Lowry City, Missouri
- Century Credit Union
Youth Savings: 10.00% APY - Neighbors Credit Union
SMART Savings: 10.00% APY - Alliance Credit Union Fenton, MO
Star Student Savings Club: 10.00% APY - Mainstreet Federal Credit Union
Emergency Savings: 5.25% APY - JM Associates Federal Credit Union
Reward Savings: 5.12% APY
Lowry City, Missouri Rates & Resources
