Bank · FDIC insured
Constitution Bank Savings Rates
Constitution Bank’s best savings rate is 0.20% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How Constitution Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Constitution Bank has the most branches. $10,000, best rate first.
This bank’s best
Constitution Bank
0.20%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $20
Statement 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
Constitution Bank savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 Constitution 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.
Statement Savings
0.20%APY
Interest compounded daily. $2 paper statement fee (eStatements are free). Quarterly statements unless combined with a Constitution Bank Checking Account or electronic transfers have occurred. For customers age 55+, paper statements and select additional services are provided without fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $10,000Interest compounded daily, credited monthly. | 0.10% | — | Interest compounded daily, credited monthly. |
| $10,000 and upInterest compounded daily, credited monthly. | 0.20% | $20 | Interest compounded daily, credited monthly. |
Sources (3)
- constitutionbank.com/personal/accounts
- constitutionbank.com/personal/current-rates
- constitutionbank.com/savings-accounts
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.50%APY
Save for holiday shopping. Annual payout via direct deposit to a Constitution Bank account in October. If closed prior to payout, must have approval, all interest is forfeited, and an early closing penalty of $25.00 will be charged. $2 paper statement fee (eStatements are free). Statement received when electronic transfers have occurred.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded daily; credited at payout in October.Any balance | 0.50% | $50 | Interest compounded daily; credited at payout in October. |
Sources (2)
All captured Oct 16, 2026
Just 4 You Club
0.50%APY
Save for summer fun. Annual payout via direct deposit to a Constitution Bank account in May. If closed prior to payout, must have approval, all interest is forfeited, and an early closing penalty of $25.00 will be charged. $2 paper statement fee (eStatements are free). Fees may reduce earnings. Statement received when electronic transfers have occurred.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded daily; credited at payout in May.Any balance | 0.50% | $50 | Interest compounded daily; credited at payout in May. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account
0.15%APY
Tax-advantaged account used to pay for qualified medical expenses for account holder, spouse, and dependents.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balances under $1,000.00. Interest compounded daily, credited monthly. | 0.05% | — | Applies to balances under $1,000.00. Interest compounded daily, credited monthly. |
| $1,000 and upApplies to balances $1,000.00 & over. Interest compounded daily, credited monthly. | 0.15% | $15 | Applies to balances $1,000.00 & over. Interest compounded daily, credited monthly. |
Sources (2)
All captured Oct 16, 2026
Kids Club
0.15%APY
For ages 17 and under. Adult joint account holder required. Converts to Statement Savings at age 18. $2 paper statement fee (eStatements are free). Quarterly statements unless combined with a Constitution Bank Checking Account or electronic transfers have occurred. Rate is 0.05% over posted normal savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest earned on any balance. Interest compounded daily, credited monthly.Any balance | 0.15% | $15 | Interest earned on any balance. Interest compounded daily, credited monthly. |
Sources (2)
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.