Bank · FDIC insured
Montgomery Bank Savings Rates
Montgomery Bank’s best savings rate is 0.07% APY on $10,000, with its Montgomery Gold Money Market Checking. Rates checked October 16, 2026.
How Montgomery Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Montgomery Bank has the most branches. $10,000, best rate first.
This bank’s best
Montgomery Bank
3.01%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $301
Montgomery eGold 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
Montgomery Bank savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0000.07%
- QualifiedQualified3.01%
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 Montgomery 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.
Montgomery eGold Savings
Up to 3.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,00012 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet | 3.01% | $301 | 12 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet |
| Any balanceRequirements for account not met | 0.01% | $1 | Requirements for account not met |
| Over $50,00012 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet | 0.07% | — | 12 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet |
Sources (2)
All captured Sep 17, 2026
Montgomery eBlue Savings
Up to 2.01%APY
Requires linked Montgomery eBlue Checking account. Minimum opening deposit is $100. No monthly maintenance fee. Limited to one account per individual.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Applies to daily collected balances up to $50,000 when qualification activity requirements on linked eBlue Checking are met (at least 12 debit card POS purchases, at least 1 direct deposit or recurring ACH auto debit, maintain valid email and free eStatements). | 2.01% | $201 | Applies to daily collected balances up to $50,000 when qualification activity requirements on linked eBlue Checking are met (at least 12 debit card POS purchases, at least 1 direct deposit or recurring ACH auto debit, maintain valid email and free eStatements). |
| Any balanceBase rate applied to entire daily collected balance if minimum activity requirements are not met during the statement/qualification cycle. | 0.01% | $1 | Base rate applied to entire daily collected balance if minimum activity requirements are not met during the statement/qualification cycle. |
Montgomery Gold Money Market Checking
0.07%APY
Minimum balance to avoid service fee is $2,500. Minimum opening deposit is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. | 0.07% | — | Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. |
| $5,000 – $10,000Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. | 0.07% | $7 | Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. |
| $10,000 – $25,000Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. | 0.07% | — | Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. |
| $25,000 – $50,000Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. | 0.07% | — | Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. |
| Over $50,000Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. | 0.07% | — | Must maintain the minimum balance needed for tier to earn APY. Monthly fee is $0 with $2,500 minimum balance to avoid service fee. |
Sources (2)
All captured Sep 17, 2026
Montgomery Blue Savings
0.06%APY
Minimum opening deposit of $100. $10 quarterly service fee waived with a minimum balance of $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Quarterly service fee of $10 waived with $100 minimum balance. | 0.06% | — | Quarterly service fee of $10 waived with $100 minimum balance. |
| $5,000 – $10,000 | 0.06% | $6 | |
| $10,000 – $25,000 | 0.07% | — | |
| $25,000 – $50,000 | 0.07% | — | |
| Over $50,000 | 0.07% | — |
Sources (3)
- montgomerybank.com/personal-banking/savings
- montgomerybank.com/personal-ba…/montgomery-blue-savings
- montgomerybank.com/rates/account-rates
All captured Sep 17, 2026
Montgomery Gold Savings
0.06%APY
Minimum opening deposit of $100. $10 quarterly service fee waived with a minimum balance of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Quarterly service fee of $10 waived with $2,500 minimum balance. | 0.06% | $6 | Quarterly service fee of $10 waived with $2,500 minimum balance. |
| $10,000 – $25,000 | 0.07% | — | |
| $25,000 – $50,000 | 0.07% | — | |
| $50,000 – $100,000 | 0.07% | — | |
| Over $100,000 | 0.07% | — |
Sources (3)
- montgomerybank.com/personal-banking/savings
- montgomerybank.com/personal-ba…/montgomery-gold-savings
- montgomerybank.com/rates/account-rates
All captured Sep 17, 2026
Montgomery New Start Savings
0.06%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.06% | — |
| $5,000 – $10,000 | 0.06% | $6 |
| $10,000 – $25,000 | 0.07% | — |
| $25,000 – $50,000 | 0.07% | — |
| Over $50,000 | 0.07% | — |
Sources (2)
All captured Sep 17, 2026
Montgomery Platinum Savings
0.07%APY
Minimum opening deposit of $10,000. $10 quarterly service fee waived with a minimum balance of $10,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Quarterly service fee of $10 waived with $10,000 minimum balance. | 0.07% | $7 | Quarterly service fee of $10 waived with $10,000 minimum balance. |
| Over $100,000 | 0.07% | — |
Sources (3)
- montgomerybank.com/personal-banking/savings
- montgomerybank.com/personal-ba…tgomery-platinum-savings
- montgomerybank.com/rates/account-rates
All captured Sep 17, 2026
Special-purpose accounts
Kid's Club Savings
5.01%APY
Special savings account for children 12 and under. Limited to one account per child. At age 13, converts to Montgomery Blue Savings. $50 minimum opening deposit. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Paid on daily collected/account balances up to $500.00.Up to $500 | 5.01% | — | Paid on daily collected/account balances up to $500.00. |
Montgomery Blue IRA Savings
0.06%APY
IRA savings account option sharing the Montgomery Blue Savings rate schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.06% | — |
| $5,000 – $10,000 | 0.06% | $6 |
| $10,000 – $25,000 | 0.07% | — |
| $25,000 – $50,000 | 0.07% | — |
| Over $50,000 | 0.07% | — |
Sources (1)
- montgomerybank.com/rates/account-rates · captured Sep 17, 2026
Montgomery Gold IRA Savings
0.06%APY
IRA savings account option sharing the Montgomery Gold Savings rate schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.06% | $6 |
| $10,000 – $25,000 | 0.07% | — |
| $25,000 – $50,000 | 0.07% | — |
| $50,000 – $100,000 | 0.07% | — |
| Over $100,000 | 0.07% | — |
Sources (1)
- montgomerybank.com/rates/account-rates · captured Sep 17, 2026
Montgomery Platinum IRA Savings
0.07%APY
IRA savings account option sharing the Montgomery Platinum Savings rate schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.07% | $7 |
| Over $100,000 | 0.07% | — |
Sources (1)
- montgomerybank.com/rates/account-rates · captured Sep 17, 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.