Parkway, Missouri Savings Rates - October 2026
Brian McKay
Brian McKay
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Parkway, Missouri savings account rates range from 1.26% to 10.00% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for Parkway, 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.
Parkway is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Missouri area are available to Parkway 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 Parkway, Missouri and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in Parkway, 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
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account. $1 for every "A" or "B" on semester report card; Maximum payout of $25/year per youth account. Member must redeem their filled sticker card in branch. Original report card must be presented. Only two report cards can be submitted per school year, per account.
Balance: $0-$1,000
Balance: $0.01 - $1,000.00
Balance: $0 - $500.00
Balance: $0 - $15,000.00
Balance: $0 - $10,000.00
For ages 12 & under with 5% APY. Includes a superhero cape and mask
Balance: $0 - $2,499.99
Balance: $1.00 - $2,500.00
APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Balance: $100.00 - $5,000.99
- Sep 18, 20265.00%▼ from 5.00%
- Sep 14, 20265.00%first recorded
Balance: $1.00 - $2,500.00
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 accounts earn a 4.20 % APY on all balances. This is a variable rate account, and the APY may change without notice. Available exclusively online and by phone.
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
- 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.
Maximum - $20,000.00
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: Balances Through $249,999.99
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: $5MM and over
Balance: $1,000,000 - up
Balance: $0 - $50,000.00
Annual Percentage Yield (APY) as of 10-01-2025
Balance: Balances up to $10,000; Qualified
Balances over $1,000.00 and above will receive APY of 0.20%. Available to members up through age 21.
- Oct 5, 20263.00%▼ from 3.00%
- Sep 14, 20263.00%first recorded
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $25,000 - $99,999.99
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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".
Interest compounded daily and paid monthly. Free Mobile Check Deposit using NASB Mobile Banking. Balances greater than $1,500,000 earn 2.50% APY.
Variable rate interest credited annually; 0.50% interest if club paid via Check; Rates effective as of 10/14/2025; Withdrawal Limits - 1 FREE debit transaction. $5.00 each additional
Balance: $500,000 - $999,999.99
Quarter ending September 30, 2026
Balance: $1,000,000 and over
Qualifications Required: Qualifications Met*; Qualifications Met*; Balance: $0.01-$25,000
Balance: $50,000.00 and more
Balance: $0 - $50,000.00
All Balances
Qualifications Required: At least 1 direct deposit or ACH payment transaction; At least 12 debit card purchases; Be enrolled in Digital Banking to obtain your monthly statement; Balance: $0.01 - $35,000.00; When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, and your account is linked to Kasasa Saver account, daily balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 4.97% resulting in a non-compounding APY* of 5.09%; and daily balances over $15,000 earn an interest rate of 0.25% resulting in a non-compounding range from 5.09% to 0.88% APY depending on the account's daily balance. In addition, daily balances up to and including $35,000 in your Kasasa Saver account earn an interest rate of 1.98% resulting in an APY of 2.00% and daily balances over $35,000 earn an interest rate of 0.25% resulting in a range from 2.00% to 0.70% APY depending on the Kasasa Saver account's daily balance. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.01% resulting in a non-compounding annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01%. Interest will be earned every monthly qualification cycle and be credited to your Kasasa Cash account on the last day of your statement cycle. *When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are automatically transferred to the Kasasa Saver on the next business day after your current statement cycle. APY = Annual Percentage Yield. For regulatory purposes, our APY calculations are based on an assumed total account balance of "cap" plus $100,000 stated as a single figure (i.e. $115,000) and a cycle period of 31 days.
Qualifications Required: Qualifications not met; Balance: 0 - $25,000
Balance: $0.00 - $24,999.99; - $0 minimum balance
- No withdraw penalties
- No maintenance fees
Balance: $25,000.00 - $49,999.99
Balance: Up to $50,000
Balance: $500,000 - $999,999
Balance: $2,500.00 - $9,999.99
Balance: $5,000.00 to $24,999.99
Balance: On balances above $25,000 and up to $50,000
Balance: $100,000+
Balance: Up to $2,499.99
Balance: $250,000 - $499,999
Balance: $100,000 - $249,999
Balance: $25,000 - $99,999
Balance: $2,500-$24,999
Balance: $50,000 and over
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
Balance: $99,999.00 +
$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: On balances up to $25,000
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Parkway, MO Savings Rate Trends
Compare local Parkway, 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 0.022 points over the past 7 days to 2.014% APY, down from 2.036%.
Missouri standard savings rates rose 0.066 points over the past 7 days to 0.426% APY, up from 0.360%.
Parkway, 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 2.014% 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 Parkway, Missouri.
Savings Account Earnings in Parkway, 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 (2.014% APY) | Monthly Earnings | Standard Savings (0.426% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.68 / year | $8.39 | $21.29 / year | $1.77 |
| $10,000 | $201.35 / year | $16.78 | $42.58 / year | $3.55 |
| $25,000 | $503.38 / year | $41.95 | $106.45 / year | $8.87 |
| $50,000 | $1,006.75 / year | $83.90 | $212.90 / year | $17.74 |
| 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: Parkway, Missouri savings rate averages as of October 12, 2026. | ||||
About Our Parkway, Missouri Savings Rate Database
MonitorBankRates tracks savings rate offers from 49 banks and credit unions available to Parkway, Missouri residents via statewide and national offers. No branch locations physically in Parkway are currently in our database, but all listed offers are open to Parkway 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 Parkway, Missouri.
How to Find the Best Savings Rates in Parkway, Missouri
What to compare when shopping for a savings account in Parkway, Missouri
To find the best savings APYs in Parkway, Missouri, start with credit unions and online-only banks: Parkway, Missouri has 20 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 2.014% 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. Parkway, Missouri high-yield savings rates currently average 2.014% 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 Parkway, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 49 institutions in Parkway, 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 Parkway, Missouri CD rates
- You want check-writing flexibility Parkway, Missouri money market rates
- You need daily transaction access Parkway, 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 2.014%, 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 Parkway, Missouri Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Parkway, Missouri.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 2.014% | 0.426% | 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 Parkway, Missouri averages tracked in our database as of October 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Parkway, 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 Parkway, Missouri earner is roughly $10,700. At 2.014% 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 2.014% 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 Parkway, Missouri earner makes $42,774/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.014% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.014% APY grows to roughly $37,247 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 Parkway, 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 Parkway, 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 Parkway, 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 Parkway, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Parkway, Missouri safe?
How often do savings rates change in Parkway, 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 Parkway, Missouri?
How do I open a savings account in Parkway, Missouri?
Best Savings Rates in Parkway, 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
Parkway, Missouri Rates & Resources
