Bank · FDIC insured
Peoples National Bank Savings Rates
Peoples National Bank’s best savings rate is 0.49% APY on $10,000, with its Preferred Money Market. Rates checked October 16, 2026.
How Peoples National Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Peoples National Bank has the most branches. $10,000, best rate first.
This bank’s best
Peoples National Bank
0.49%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $49
Preferred 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
Peoples National Bank savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.48%
- $10,000 balance$10,0000.49%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.49%
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 Peoples National 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.
Preferred Money Market
0.49%APY
Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. $1,000 minimum balance to receive interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. | 0.48% | — | Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. |
| $10,000 – $25,000Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. | 0.49% | $49 | Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. |
| $25,000 and upAvoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. | 0.50% | — | Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding. |
Sources (2)
All captured Oct 6, 2026
Savings Account
0.42%APY
Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid the $5 monthly service fee by maintaining a $100 minimum daily balance. APY based on monthly compounding.Any balance | 0.42% | $42 | Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance. APY based on monthly compounding. |
Sources (3)
- peoplesnationalbank.com/personal/personal-savings
- peoplesnationalbank.com/person…ngs/savings-account.html
- peoplesnationalbank.com/rates.html
All captured Sep 17, 2026
Cha-CHING $aver
Up to 0.40%APY
Free account that builds savings automatically. Linked to free Cha-CHING Ca$h or Cha-CHING Ca$h Back checking account. Automatic transfers of rewards. Limit one account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires meeting monthly qualification cycle requirements in linked Cha-CHING Ca$h or Cha-CHING Ca$h Back account: at least 12 debit card purchases post and settle, receive eStatements, and at least 1 ACH auto debit or bill pay transaction post and settle. | 0.40% | $40 | Requires meeting monthly qualification cycle requirements in linked Cha-CHING Ca$h or Cha-CHING Ca$h Back account: at least 12 debit card purchases post and settle, receive eStatements, and at least 1 ACH auto debit or bill pay transaction post and settle. |
| Any balanceBase rate applied to all balances if monthly qualifications are not met in linked account. | 0.01% | $1 | Base rate applied to all balances if monthly qualifications are not met in linked account. |
Sources (3)
- peoplesnationalbank.com/personal/personal-savings
- peoplesnationalbank.com/rates.html
- peoplesnationalbank.com/person…ngs/cha-ching-saver.html
All captured Oct 16, 2026
Special-purpose accounts
Christmas Saver
0.42%APY
Must have at least one automatic transfer deposit per month. Funds available for withdrawal anytime between October 1 and December 31; $10 charge per withdrawal made between January 1 and September 30. No monthly service fee, no minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have at least one automatic transfer deposit per month. APY based on monthly compounding. $10 fee per withdrawal between January 1 and September 30. Rates may change after account is opened. Earn interest on all balances.Any balance | 0.42% | $42 | Must have at least one automatic transfer deposit per month. APY based on monthly compounding. $10 fee per withdrawal between January 1 and September 30. Rates may change after account is opened. Earn interest on all balances. |
Sources (3)
- peoplesnationalbank.com/personal/personal-savings
- peoplesnationalbank.com/rates.html
- peoplesnationalbank.com/person…ngs/christmas-saver.html
All captured Oct 16, 2026
Youth Savings
0.42%APY
Available to our youngest customers, ranging from age 0 to 17 (newborn to 17). No monthly service fee, no minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor customers age newborn to 17. APY based on monthly compounding. Rates may change after account is opened. Earn interest on all balances.Any balance | 0.42% | $42 | For customers age newborn to 17. APY based on monthly compounding. Rates may change after account is opened. Earn interest on all balances. |
Sources (3)
- peoplesnationalbank.com/personal/personal-savings
- peoplesnationalbank.com/rates.html
- peoplesnationalbank.com/person…vings/youth-savings.html
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.