Bank · FDIC insured
First State Bank of St. Charles Savings Rates
First State Bank of St. Charles’s best savings rate is 0.60% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How First State Bank of St. Charles’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First State Bank of St. Charles has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of St. Charles
0.60%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $60
Personal Money Market
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 State Bank of St. Charles savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0003.50%
- QualifiedQualified0.60%
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 State Bank of St. Charles 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.
Personal Money Market Specials
Up to 3.50%APY
Effective Date: 09/15/2026. Offer activation as of December 12, 2025. To take advantage, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Monthly fee is $0 ($10 if balance falls below $1,000). Rates subject to change.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $25,000 and upMust transfer minimum deposit of $25,000 from another bank. · $25,000 to open | 3.25% | $25,000 | — | Must transfer minimum deposit of $25,000 from another bank. |
| $50,000 and upMust transfer minimum deposit of $50,000 from another bank. · $50,000 to open | 3.50% | $50,000 | — | Must transfer minimum deposit of $50,000 from another bank. |
Sources (2)
All captured Sep 17, 2026
Personal Money Market
0.60%APY
Effective Date: 09/15/2026. Monthly service fee is $0 ($10 if balance falls below $1,000). Rates and fees subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Monthly fee is $0 ($10 if balance falls below $1,000). | 0.60% | $60 | Monthly fee is $0 ($10 if balance falls below $1,000). |
| $50,000 – $199,999Monthly fee is $0 ($10 if balance falls below $1,000). | 0.65% | — | Monthly fee is $0 ($10 if balance falls below $1,000). |
| $200,000 and upMonthly fee is $0 ($10 if balance falls below $1,000). | 0.85% | — | Monthly fee is $0 ($10 if balance falls below $1,000). |
Sources (2)
All captured Sep 17, 2026
Regular Savings
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$4 monthly service charge waived with $200 daily minimum balanceAny balance | 0.30% | $30 | $4 monthly service charge waived with $200 daily minimum balance |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Accounts
0.90%APY
Requires a high-deductible health plan (HDHP). Free e-statements ($2 for paper statements).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Under $2,500 | 0.50% | — | Under $2,500 |
| $2,500 – $9,999 | 0.80% | — | |
| $10,000 – $24,999 | 0.90% | $90 | |
| $25,000 and up | 1.05% | — |
Sources (2)
All captured Oct 16, 2026
IRA Savings
0.70%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 monthly service charge waived with $250 daily minimum balanceAny balance | 0.70% | $70 | $5 monthly service charge waived with $250 daily minimum balance |
Sources (1)
- fsbfinancial.com/rates · captured Oct 16, 2026
Next Generation Savings
0.30%APY
Available to family members up to 26 years of age. Two free withdrawals per month. Free e-statements ($2 for paper statements).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service charge or minimum balance requirement.Any balance | 0.30% | $30 | No monthly service charge or minimum balance requirement. |
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.