Minimum Balance Requirement$1,000
Minimum Balance to Open$1,000
Interest CompoundedDaily
Interest CreditedMonthly
ATM CardYes
Debit CardNo
This high yielding interest-bearing savings account also offers check writing ability. The account receives monthly statements, with the interest rate tiered based on the balance. There is a minimum daily balance of $1,000 to avoid fees.

BalanceInterest RateAverage Percentage Yield (APY)
$1,000.00 to $9,999.990.25%0.25%
$10,000.00 to $25,000.000.30%0.30%
$25,000.01 to $50,000.000.50%0.51%
$50,000.01 and over0.65%0.66%
Interest rates and annual percentage yields quoted above are as of January 10, 2023, and are subject to change without notice. Please call Clay County Savings Bank's rate line, (816) 407-4099, for current interest rates on Money Market accounts. A $7.50 service charge applies if the balance falls below $1,000 at any time during the statement cycle for Money Market accounts.

Fees may reduce earnings.


  • On April 24, 2020, Regulation D was amended to suspend the transaction limits on Money Market accounts. As a result, the Bank will not being assessing a service charge and unlimited transfers/withdrawals from this account will be allowed. At this time, The Federal Reserve Board does not have plans to re-impose transfer limits but may make adjustment to the definition of savings account in the future, if conditions warrant.