Bank · FDIC insured
First National Bank of Raymond Savings Rates
First National Bank of Raymond’s best savings rate is 0.20% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How First National Bank of Raymond’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First National Bank of Raymond has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Raymond
0.20%APY
- Requires
- None
- Minimum
- $50
- 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
First National Bank of Raymond savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.45%
- 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 First National Bank of Raymond 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.
Money Market Account
0.15%APY
Variable rate account; rates and APYs may change after opening. No monthly service charge for accounts with balances above $2,500 at all times during the month. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Variable rate account. | 0.15% | $15 | Variable rate account. |
| $20,000 – $50,000Variable rate account. | 0.20% | — | Variable rate account. |
| $50,000 – $100,000Variable rate account. | 0.25% | — | Variable rate account. |
| $100,000 – $200,000Variable rate account. | 0.45% | — | Variable rate account. |
| $200,000 – $500,000Variable rate account. | 0.55% | — | Variable rate account. |
| $500,000 and upVariable rate account. | 0.70% | — | Variable rate account. |
Sources (2)
All captured Oct 6, 2026
Statement Savings
0.20%APY
Variable rate account; the rates and APYs may change after the account is opened. $50 minimum average monthly balance to avoid a service charge. Automatic transfer option available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; the rates and APYs may change after the account is opened. $50 minimum average monthly balance to avoid a service charge. Automatic transfer option available.Any balance | 0.20% | $20 | Variable rate account; the rates and APYs may change after the account is opened. $50 minimum average monthly balance to avoid a service charge. Automatic transfer option available. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.20%APY
Variable rate account; the rates and APYs may change after the account is opened. Funds disbursed in October. $10 early withdrawal penalty. Automatic transfer option available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; the rates and APYs may change after the account is opened. Funds disbursed in October. $10 early withdrawal penalty. Automatic transfer option available.Any balance | 0.20% | $20 | Variable rate account; the rates and APYs may change after the account is opened. Funds disbursed in October. $10 early withdrawal penalty. Automatic transfer option available. |
Sources (2)
All captured Oct 6, 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.