Bank · FDIC insured
St. Johns Bank & Trust Savings Rates
St. Johns Bank & Trust’s best savings rate is 0.06% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How St. Johns Bank & Trust’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where St. Johns Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
St. Johns Bank & Trust
0.06%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $6
Statement 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
St. Johns Bank & Trust savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.06%
- $10,000 balance$10,0000.06%
- $100,000 balance$100,0000.06%
- QualifiedQualified0.06%
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 St. Johns Bank & Trust 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.
Statement Savings
0.06%APY
Six free debit transactions per month; $2 fee for each additional debit. Minimum daily balance of $200 required to avoid a $3 monthly maintenance fee. $25 fee if account is closed within 90 days of opening. Interest compounded quarterly. Accrued interest forfeited if closed before interest is credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. $200 minimum daily balance required to avoid $3 monthly fee.Any balance | 0.06% | $6 | Rate may change after account opening. $200 minimum daily balance required to avoid $3 monthly fee. |
Special-purpose accounts
Christmas Club
0.06%APY
Requires minimum $10 automatic transfer (AFT) from a St. Johns Bank account at least monthly. No withdrawals allowed until annual distribution in October, when balance is transferred into funding account. $5 penalty for early closure. Accrued interest forfeited if closed before interest is credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is paid/credited annually. Minimum $10 monthly automatic transfer from a St. Johns Bank account required. Rate may change after opening.Any balance | 0.06% | $6 | Interest is paid/credited annually. Minimum $10 monthly automatic transfer from a St. Johns Bank account required. Rate may change after opening. |
Health Savings Account
0.06%APY
Account established for paying qualified medical expenses of HSA owner, spouse, and dependents. ACH debits not allowed. Six debits allowed per month (or six free transfers per 4-week period); $10 fee for transactions in excess of limitations. Accrued interest forfeited if closed before credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to a $5 quarterly fee. Rate may change after account opening.Any balance | 0.06% | $6 | Subject to a $5 quarterly fee. Rate may change after account opening. |
Youth Savings
0.06%APY
Designed for kids ages 17 and under. Standard $3 monthly maintenance fee is waived. Automatically transfers to a Statement Savings Account once member turns 18. Six free debits per month; $2 fee per excess transaction. Accrued interest forfeited if closed before interest credited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to individuals ages 17 and younger. Rate may change after account opening.Any balance | 0.06% | $6 | Available to individuals ages 17 and younger. Rate may change after account opening. |
Sources (3)
All 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.