FMB Savings & Money Market Rates

How FMB’s savings rates compare

Compared with banks and credit unions near St. Louis, MO-IL, where FMB has the most branches. $10,000, best rate first.

This bank’s best
FMB
0.40%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$40
Premium MMDA
Top rate
JM Associates FCU
5.12%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$512
JM Associates FCU rates
2nd-highest rate
Citizens Bank
4.50%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$450
Citizens Bank rates

Compare savings rates near you →

70

Savings score

Higher than 26% of U.S. banks and credit unions

By balance

$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.

How the score works →

Where FMB 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.

Premium MMDA

0.40%APYMoney market$2,500 to open

If the daily average balance for the month falls below $50,000, a $50 monthly service charge and $0.25 per debit transaction will be charged.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.	0.40%	$40	Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.
$100,000 – $250,000Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.	0.45%	—	Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.
$250,000 and upCompounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.	4.00%	—	Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.

Sources (2)

All captured Sep 24, 2026

MMDA Regular

0.15%APYMoney market

Must maintain a minimum average daily balance of $500 to obtain the APY. If average daily balance falls below $2500, a $10/month maintenance fee plus $0.25 on each debit will be imposed.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
$500 – $2,500Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. Must maintain minimum average daily balance of $500 to obtain APY. · $2,500 to open	0.11%	$2,500	—	Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. Must maintain minimum average daily balance of $500 to obtain APY.
$2,500 – $25,000Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. · $2,500 to open	0.15%	$2,500	$15	Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance.
$25,000 – $50,000Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. · $25,000 to open	0.20%	$25,000	—	Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance.
$50,000 – $100,000Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. · $50,000 to open	0.25%	$50,000	—	Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance.
$100,000 and upCompounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. · $100,000 to open	0.30%	$100,000	—	Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance.

Sources (2)

All captured Sep 24, 2026

Statement Savings

0.20%APY$200 to open

No Monthly Maintenance Fee with a $200 Minimum Average Balance. Compounded quarterly. Limited to six transfers/withdrawals per month. $20 Early Account Closing Fee if closed within 90 days of opening.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded quarterly. Rates may change.Any balance	0.20%	$20	Compounded quarterly. Rates may change.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Lazy River Kids Club Savings

0.20%APYKids and teens$25 to open

Must be 17 Years Old or Younger. No Monthly Maintenance Fee. Compounded quarterly. Limited to six transfers/withdrawals per month. $20 Early Account Closing Fee if closed within 90 days of opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Compounded quarterly. Rates may change.	0.61%	—	Compounded quarterly. Rates may change.
$5,000 and upCompounded quarterly. Rates may change. Note: page p32 and p33 footnotes state .15% APY for balances over $5,000.00, while the rate table on p18 lists 0.20% APY / 0.20% Interest Rate.	0.20%	$20	Compounded quarterly. Rates may change. Note: page p32 and p33 footnotes state .15% APY for balances over $5,000.00, while the rate table on p18 lists 0.20% APY / 0.20% Interest Rate.