Bank · FDIC insured
1st Advantage Bank Savings Rates
1st Advantage Bank’s best savings rate is 1.50% APY on $10,000, with its Investment Savings. Rates checked October 16, 2026.
How 1st Advantage Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where 1st Advantage Bank has the most branches. $10,000, best rate first.
This bank’s best
1st Advantage Bank
1.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $150
Investment Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
1st Advantage Bank savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Advantage Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Investment Savings
1.50%APY
Must maintain a daily collected balance within each range to obtain the APY for each interest rate tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $500,000Must maintain a daily collected balance within range to obtain APY tier. | 1.50% | $150 | Must maintain a daily collected balance within range to obtain APY tier. |
| $500,000 – $1,000,000Must maintain a daily collected balance within range to obtain APY tier. | 2.50% | — | Must maintain a daily collected balance within range to obtain APY tier. |
| $1,000,000 and upMust maintain a daily collected balance within range to obtain APY tier. | 3.10% | — | Must maintain a daily collected balance within range to obtain APY tier. |
Sources (1)
- 1stadvantagebank.com/services-and-resources/rates · captured Oct 16, 2026
Personal Money Market
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000$10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.00% | $100 | $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $25,000 – $50,000$10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.06% | — | $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $50,000 – $100,000$10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.10% | — | $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $100,000 – $250,000$10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.30% | — | $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $250,000 and up$10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 2.10% | — | $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
Sources (2)
- 1stadvantagebank.com/personal/…al-money-market-accounts
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
ADVANTAGE Savings
0.25%APY
Exclusive to ADVANTAGE Checking Account holders. Requires opening and maintaining an ADVANTAGE Checking Account with a minimum opening balance of $2,500. If the collected balance falls below $1,000 on any day, interest is not earned for that day.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.25% | — | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
| $10,000 – $25,000Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.25% | $25 | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
| $25,000 – $50,000Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.25% | — | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
| $50,000 – $100,000Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.30% | — | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
| $100,000 – $250,000Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.35% | — | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
| $250,000 and upMust maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. | 0.40% | — | Must maintain a daily collected balance within range to obtain tier APY. Requires ADVANTAGE Checking Account with $2,500 minimum opening balance. |
Sources (2)
- 1stadvantagebank.com/personal/…-invest/personal-savings
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
Special-purpose accounts
Piggy Bank Savings
0.25%APY
Available to minors (under age 18). No service charges. If ledger balance falls below $0.01 on any day, interest is not earned for that day.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Available to minors (under age 18).Over $0 | 0.25% | $25 | Available to minors (under age 18). |
Regular Savings
0.25%APY
Service charge of $3.00 per statement cycle (quarter) if average daily ledger balance falls below $100.00. Minimum to open and quarterly service charge are waived if account is opened by a person under 18 whose parent/guardian/grandparent has an account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Service charge of $3.00 per quarter if average daily ledger balance falls below $100.00 (waived for minors under 18 with qualifying parent/guardian/grandparent account).Over $0 | 0.25% | $25 | Service charge of $3.00 per quarter if average daily ledger balance falls below $100.00 (waived for minors under 18 with qualifying parent/guardian/grandparent account). |
Sources (2)
- 1stadvantagebank.com/personal/…-invest/personal-savings
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
Closed to new customers
ADVANTAGE Money Market
1.06%APY
Exclusive to ADVANTAGE Checking Account customers; must open and maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.00% | — | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $10,000 – $25,000Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.06% | $106 | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $25,000 – $50,000Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.10% | — | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $50,000 – $100,000Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.20% | — | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $100,000 – $250,000Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 1.30% | — | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
| $250,000 and upMust maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. | 2.10% | — | Must maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day. |
Sources (2)
- 1stadvantagebank.com/personal/…al-money-market-accounts
- 1stadvantagebank.com/services-and-resources/rates
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.