Bank · FDIC insured
PSB Bank Savings Rates
PSB Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How PSB Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where PSB Bank has the most branches. $10,000, best rate first.
This bank’s best
PSB Bank
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market Account
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
PSB Bank savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.10%
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 PSB 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.
Money Market Account
0.10%APY
A checking account that offers tiered interest and helps you earn higher interest rates as your balance increases. Fees could reduce earnings on accounts. Interest rates are subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. | 0.10% | $10 | The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. |
| $25,000 – $49,001The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. | 0.10% | — | The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. |
| $50,000 and upThe minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. | 0.25% | — | The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield. |
Sources (1)
- ourpsb.com/personal/money-market-account · captured Oct 16, 2026
PSB Savings Account
0.05%APY
Ideal for individuals who want a simple savings account to set money aside for emergencies, future goals, or everyday saving—with no minimum balance requirement. Straightforward savings option with no balance minimums. Quarterly interest accrual and compounding. Online account opening is only available to residents of Missouri, Arkansas, Illinois, Kansas, & Iowa.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn interest or open account.Any balance | 0.05% | $5 | No minimum balance required to earn interest or open account. |
Sources (1)
- ourpsb.com/personal/savings-accounts · captured Oct 16, 2026
Special-purpose accounts
Super Savers Club Account
0.25%APY
Designed for savers who want to build funds throughout the year and receive a full payout each November, making it especially useful for holiday or annual expense planning. Quarterly interest accrual and compounding. Online account opening is only available to residents of Missouri, Arkansas, Illinois, Kansas, & Iowa.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn interest or open account.Any balance | 0.25% | $25 | No minimum balance required to earn interest or open account. |
Sources (1)
- ourpsb.com/personal/savings-accounts · captured Oct 16, 2026
Youth Savings Account
0.20%APY
Created for children and teens under 18 to encourage saving habits and financial responsibility, with simple limits to help manage withdrawals. Automatically converts to a regular PSB Savings Account at age 18. Must visit a PSB Bank Office to open. Online account opening not available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25 minimum balance; $25 minimum opening deposit. $1 fee if balance falls below $25 any day in the statement period. $1 fee for exceeding allowed number of withdrawals.Any balance | 0.20% | $20 | $25 minimum balance; $25 minimum opening deposit. $1 fee if balance falls below $25 any day in the statement period. $1 fee for exceeding allowed number of withdrawals. |
Sources (1)
- ourpsb.com/personal/savings-accounts · captured Oct 16, 2026
Health Savings Account
0.05%APY
Must have an employer-sponsored high deductible health insurance plan (HDHP). Online account opening may vary.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum balance of $100 in the account each day to obtain the disclosed APY; minimum deposit to open is the minimum balance required to earn APY ($100). Interest accrues monthly, compounds monthly, credits monthly.$100 and up | 0.05% | $5 | Must maintain a minimum balance of $100 in the account each day to obtain the disclosed APY; minimum deposit to open is the minimum balance required to earn APY ($100). Interest accrues monthly, compounds monthly, credits monthly. |
Sources (1)
- ourpsb.com/health-savings-account · 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.