Best Banks in Clay County, MO
35 banks and credit unions have branches in Clay County — 27 banks and 8 credit unions. Institutions with published rates are ranked by APY; the rest are listed below.
Quick answer
The best published deposit rate from a Clay County institution right now is 5.09% APY · Checking from Pony Express Bank. KCBanks.com tracks all 35 local institutions daily and ranks purely by rate — never by advertising.
Ranked by published rates
1
Pony Express BankTop rate
Bank · 1 branch in Clay County
5.09% APY · Checking
2
First Federal Bank of Kansas City
Bank · 1 branch in Clay County
5.00% APY · Savings
3
Academy Bank
Bank · 4 branches in Clay County
4.40% APY · 1 year CD
4
Southern Bank
Bank · 3 branches in Clay County
4.30% APY · 11 months CD
5
nbkc bank
Bank · 1 branch in Clay County
4.26% APY · 7 months CD
6
Capitol Federal Savings Bank
Bank · 2 branches in Clay County
4.20% APY · 48 months CD
7
Community Bank of Missouri
Bank · 1 branch in Clay County
4.16% APY · 7 months CD
8
The Union State Bank of Everest
Bank · 1 branch in Clay County
4.10% APY · 2 years CD
9
CommunityAmerica Credit Union
Credit union · 5 branches in Clay County
4.10% APY · 2 years CD
10
Security Bank of Kansas City
Bank · 4 branches in Clay County
4.06% APY · 13 months CD
11
UMB Bank
Bank · 3 branches in Clay County
3.86% APY · Money Market
12
Mazuma Credit Union
Credit union · 2 branches in Clay County
3.85% APY · 18 months CD
13
Mainstreet Credit Union
Credit union · 1 branch in Clay County
3.64% APY · 1 year CD
14
U.S. Bank
Bank · 3 branches in Clay County
3.50% APY · 6 months CD
15
Hawthorn Bank
Bank · 1 branch in Clay County
3.01% APY · Checking
16FS
Farmers State Bank
Bank · 1 branch in Clay County
3.00% APY · Savings
More institutions in Clay County
These don't currently publish rates online — check their profile for branches and contact info.
Arvest Bank
2 branches
Bank of America
3 branches
Bank of Springfield
1 branch
BMO Bank
3 branches
BN
Burlington Northtown Community
1 branch
CC
Central Communications
1 branch
Commerce Bank
4 branches
C
CSD
1 branch
First National Bank of Omaha
1 branch
GF
Goppert Financial Bank
1 branch
HNB National Bank
2 branches
JPMorgan Chase Bank
3 branches
KC
Kansas City
1 branch
NB
NBH Bank
3 branches
North American Savings Bank, F.S.B.
2 branches
PS
Public Safety
1 branch
The Central Trust Bank
9 branches
The Nodaway Valley Bank
1 branch
Verimore Bank
5 branches
Banks in Clay County — FAQ
- How many banks are in Clay County?
- Clay County has 27 banks and 8 credit unions with local branches — 35 institutions in total, all FDIC or NCUA insured.
- Which bank has the best rates in Clay County?
- Among institutions with branches in Clay County, Pony Express Bank currently publishes the highest deposit rate we track: 5.09% APY · Checking. Rankings are based purely on published APY, never advertising.
- Are Clay County banks and credit unions insured?
- Yes — every institution listed is federally insured: banks by the FDIC and credit unions by the NCUA, protecting deposits up to $250,000 per depositor, per institution.