--- title: Best Banks and Credit Unions in Missouri for 2025 description: Money looked at dozens of financial institutions to find the best banks and credit unions in Missouri. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 131 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2024-10-08T15:11:49.000Z' modified: '2024-12-26T14:39:47.000Z' section: Banking tags: - Best - Best Banks 2024-2025 word_count: 708 canonical: https://money.com/best-banks-and-credit-unions-missouri/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Banks and Credit Unions in Missouri for 2025](https://img.money.com/2024/10/Best-Banks-2024-Ranking-States-MO.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ### TOP PARTNER ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/0c655eb58386?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&bidid=4079604759&ptid=667294794&ptoken=da5e80997c9b42738c05a998de938d1f&zip=20149) **Earn up to 3.10% APY\* & up to $50 or $400 with direct deposit\*** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.8 - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [View Rates](https://money.com/go/39661396d0e1?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&bidid=4079604758&ptid=667294794&ptoken=a32035f6fc9e8a1f01c5c25728d0b770&zip=20149) **Earn up to 3.65% APY\* on qualifying balances with a Barclays' Tiered Savings account** - $200 Bonus with qualifying activities. Terms Apply. - No monthly maintenance fees - Easy direct deposits & online transfers - Member FDIC \*Rate as of 6/24/2026 **\[AFFILIATE LINK: View Barclays Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [View Rates](https://money.com/go/0d46bc08fa38?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&bidid=4079604761&ptid=667294794&ptoken=805f62b1d176659a13b3f6acf0587fe2&zip=20149) **Earn 4.10% APY\* for 6 months with $5k min. balance** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. Enter promo code CITBOOST for APY bonus. Rate as of 07/01/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [View Rates](https://money.com/go/b79087ccd8f0?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&bidid=4079604763&ptid=667294794&ptoken=8d8922593896d62d0127f891510af12b&zip=20149) **Earn 3.80% APY\* with an Openbank High Yield Savings account** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. \*Rate as of 8/24/2026 **\[AFFILIATE LINK: View Openbank Offer\]** There are nearly 200 financial institutions regulated by the Missouri Division of Finances. With so many options, it can be difficult to select the right one. To help you, Money researched the leading annual percentage yields (APYs), account types, minimum deposit requirements and fees to identify the best banks and credit unions in Missouri for 2024-2025: - **[Bank of Missouri](#bom)** - Best Overall - **[**Belgrade State Bank**](#belgrade)** - Best for Savings Accounts - [****Capital One****](#capone) - Best for Checking Accounts - [****Ozarks Federal Savings****](#ozarks) - Best for Students - [****People's Banks****](#people) - Best for Special Accounts *\*Rates and APYs are subject to change. All information provided was accurate as of Oct. 8, 2024.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F) ## Best Overall: Bank of Missouri ![](https://s3.consumersadvocate.org/prd/image/image/25790/large_cd53aee1-fd1f-4067-9422-b498e7d6e502.png) [View Rates](https://money.com/pr/m5526efdc5b6?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&url=) The [Bank of Missouri](https://money.com/pr/tc7e6a7fac0e?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-missouri%252F) operates 28 branches within the state, and it's a top bank for both personal and business customers. It offers multiple account options with low fees and higher-than-average APYs. The Bank of Missouri has some unique checking account options. You can open an account without monthly fees with as little as $100. Additionally, you can earn rewards in the form of cash back or in digital credits you can redeem for Amazon or iTunes gift cards. The bank also offers CDs with higher-than-average APY. However, it doesn't have money market accounts, so customers looking for those accounts will have to choose another bank. Lastly, not all of its accounts can be opened online; with some, you'll have to open an account by visiting a branch. **Pros** - Checking accounts with added perks - No monthly fees on checking accounts - High-yield CDs available - Broad ATM access **Cons** - No money market accounts - Not all accounts can be opened online ## Best for Savings Accounts: Belgrade State Bank ![](https://s3.consumersadvocate.org/prd/image/image/25791/large_9417a21b-387b-4c22-8e92-1da2e1e450e4.png) [View Rates](https://money.com/pr/v4e8dddb47d9?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&url=) [Belgrade State Bank](https://money.com/pr/e7d4386674f0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-missouri%252F) has multiple savings accounts, including special accounts for saving for Christmas and children. These accounts have low minimum deposit requirements, making it easy to start saving. Although Belgrade State Bank does charge monthly fees on some of its savings accounts, it does offer fee waivers. The requirements to qualify for a waiver are attainable; you can qualify by maintaining a balance of $50. Belgrade State Bank doesn't offer money market accounts. And if you're planning on opening a savings account, be aware that Belgrade has limits on how many withdrawals you make each month. If you make more than six withdrawals per month, you'll have to pay an excess withdrawal fee for each additional transaction. **Pros** - Multiple savings account options - Attainable fee waiver - CDs with higher-than-usual APYs available **Cons** - No money market accounts - Most checking accounts have monthly fees - Excess withdrawal penalties apply ## Best for Checking Accounts: Capital One ![](https://s3.consumersadvocate.org/prd/image/image/10557/large_faa620b8-68bc-44fa-9370-2f0937de3bab.png) [View Rates](https://money.com/pr/i55abaafd27c?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&url=) With [Capital One](https://money.com/pr/u5095cbeadab?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-missouri%252F), you can open a new checking account without worrying about minimum deposit requirements or monthly fees. These accounts make it easy to receive direct deposits, send money via Zelle and manage your money online. Besides its core checking account, Capital One also has a checking account option for teens. The account has no monthly fees and, through the mobile app, it gives parents control over the teen's access to the account. Unfortunately, Capital One doesn't operate physical branches, so those who prefer in-person banking will need to find another bank. **Pros** - No monthly fees on checking accounts - Teen accounts available - High-yield savings accounts **Cons** - Few physical locations - No money market accounts ## Best for Students: Ozarks Federal Savings ![](https://s3.consumersadvocate.org/prd/image/image/25792/large_84faa8ed-2941-4262-abe8-07774212a9ca.png) [View Rates](https://money.com/pr/m5f707c5fee8?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&url=) [Ozarks Federal Savings](https://money.com/pr/a194d9c21348?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-missouri%252F) is a community bank serving counties in Missouri. It features several youth accounts and special incentives, like Oz's Clubhouse, a program that rewards kids with special toys and even cash deposits as they save. With the student program, kids can earn cash rewards for good grades. Ozarks Federal Savings operates just a few locations within the state, so you may not have a branch near you. Additionally, its APYs on savings accounts tend to be below the national average. **Pros** - Rewards and cash incentives - No monthly fee on youth accounts - Low minimum deposit **Cons** - Limited branches - Lower-than-average APYs on savings ## Best for Special Accounts: People's Banks ![](https://s3.consumersadvocate.org/prd/image/image/25793/large_ecb78e0a-20dd-4f91-b306-01fb7b097bec.png) [View Rates](https://money.com/pr/y86bf96d64a3?ap_referrer=%2Fbest-banks-and-credit-unions-missouri%2F&url=) [People's Bank](https://money.com/pr/f9865d4ccbd0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-missouri%252F) offers specialty accounts in Missouri, such as special account options for teachers, youth accounts, holiday savings accounts and interest-bearing checking accounts for seniors. You can open checking and savings accounts without monthly fees. The bank also offers perks like discounts on loans, free safe deposit boxes and checks. However, People's Bank doesn't publish its rates online, and it operates only a few physical branches within the state. **Pros** - Multiple specialty accounts - Benefits include free checks, safe deposit boxes and discounts - Accounts without monthly fees **Cons** - Rate details not listed online - Limited locations ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/91fe6ddace17?bidid=4079604744&pmeta=p129-c561-u25621&ptid=667294791&ptoken=5c59998185075c81d2d118cd0b955345) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/3673f9c61efa?bidid=4079604743&pmeta=p129-c561-u25621&ptid=667294791&ptoken=afb0bab8b71227578b7913f7de801791) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [Sign Up](https://money.com/go/e05661a4d13c?bidid=4079604745&pmeta=p129-c561-u25621&ptid=667294791&ptoken=1ad7b512f624226f4081f8ee25b2b5f9) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/1003b2dc0ec0?bidid=4079604747&pmeta=p129-c561-u25621&ptid=667294791&ptoken=a9a850aca4f1e3ca27acaa9cbe857661) ## How we chose the Best Banks of 2024-2025 To determine our list of best banks for 2024-2025, Money evaluated hundreds of the largest retail banks, credit unions, regional and state banks and online banks ranked by assets. We then compared opening balance requirements, interest paid, fees and features to determine our top picks. We selected the best banks in Missouri by evaluating the leading banks and comparing their accounts, deposit requirements, fees and rates and customer satisfaction ratings. We also looked at the availability of branches, and bank ATM networks. 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