Credit union · NCUA insured
St. Louis Community Credit Union Savings Rates
St. Louis Community Credit Union’s best savings rate is 0.30% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How St. Louis Community Credit Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where St. Louis Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Louis Community Credit Union
0.30%APY
- Requires
- Another account
- Earns on $10,000 a year
- $30
Freedom Savings Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $450
St. Louis Community Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.30%
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. Louis Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Freedom Savings Account
0.30%APY
Restricted access savings account. Money deposited may not be withdrawn until your Freedom Line of Credit loan has a zero balance. No minimum balance requirement. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. | 0.30% | $30 | Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. |
| $10,001 – $25,001Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. | 0.35% | — | Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. |
| $25,001 and upMoney may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. | 0.40% | — | Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly. |
Sources (1)
- stlouiscommunity.com/accounts/savings-and-checking-rates · captured Oct 16, 2026
Regular Savings
0.30%APY
Minimum deposit and minimum balance of $1 to establish account. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.30% | $30 | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $10,001 – $25,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.35% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $25,001 and upPays dividends on all funds in the account. Compounded and credited monthly. | 0.40% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
Sources (2)
- stlouiscommunity.com/accounts/regular-savings
- stlouiscommunity.com/accounts/savings-and-checking-rates
All captured Oct 16, 2026
Save to Prosper Savings Account
0.30%APY
Prize-linked savings account. Open with minimum $5. Must be an SLCCU member in good standing with a regular share account, age 18 or older. Penalties imposed for early withdrawal (except during January). Monthly/quarterly/annual drawings based on $25 incremental savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). | 0.30% | $30 | Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). |
| $10,001 – $25,001Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). | 0.35% | — | Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). |
| $25,001 and upDividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). | 0.40% | — | Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January). |
Sources (2)
- stlouiscommunity.com/accounts/prize-linked-savings
- stlouiscommunity.com/accounts/savings-and-checking-rates
All captured Oct 16, 2026
Special-purpose accounts
IRA Accumulative and Roth Accumulative
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Pays dividends on all funds in the account. Dividends are compounded and credited monthly. | 0.30% | $30 | Pays dividends on all funds in the account. Dividends are compounded and credited monthly. |
| $10,001 – $25,001Pays dividends on all funds in the account. Dividends are compounded and credited monthly. | 0.35% | — | Pays dividends on all funds in the account. Dividends are compounded and credited monthly. |
| $25,001 and upPays dividends on all funds in the account. Dividends are compounded and credited monthly. | 0.40% | — | Pays dividends on all funds in the account. Dividends are compounded and credited monthly. |
Sources (1)
- stlouiscommunity.com/accounts/savings-and-checking-rates · captured Oct 16, 2026
Journey Savings
0.30%APY
Available for members ages 13-17. $1 to get started. Ages 17 and younger require a joint account with an adult.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.30% | $30 | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $10,001 – $25,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.35% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $25,001 and upPays dividends on all funds in the account. Compounded and credited monthly. | 0.40% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
Sources (2)
- stlouiscommunity.com/accounts/youth-accounts
- stlouiscommunity.com/accounts/savings-and-checking-rates
All captured Oct 16, 2026
Smarty Kids Club Savings
0.30%APY
Youth account designed for younger kids. Minimum $1 deposit to open. Ages 17 and younger require a joint account with an adult.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.30% | $30 | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $10,001 – $25,001Pays dividends on all funds in the account. Compounded and credited monthly. | 0.35% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
| $25,001 and upPays dividends on all funds in the account. Compounded and credited monthly. | 0.40% | — | Pays dividends on all funds in the account. Compounded and credited monthly. |
Sources (2)
- stlouiscommunity.com/accounts/youth-accounts
- stlouiscommunity.com/accounts/savings-and-checking-rates
All captured Oct 16, 2026
Holiday Club Savings
0.30%APY
Minimum deposit of $5 to open. Automatically transfers to chosen account in November. Early withdrawal fee applies except during first 6 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny balance. Dividends compounded and credited quarterly.Any balance | 0.30% | $30 | Any balance. Dividends compounded and credited quarterly. |
Sources (2)
- stlouiscommunity.com/accounts/savings-and-checking-rates
- stlouiscommunity.com/accounts/…nd-vacation-club-savings
All captured Oct 16, 2026
Spring Break Club Savings
0.30%APY
Minimum deposit of $5 to open. Automatically transfers to chosen account in February. Early withdrawal fee applies except during first 6 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny balance. Dividends compounded and credited quarterly.Any balance | 0.30% | $30 | Any balance. Dividends compounded and credited quarterly. |
Sources (2)
- stlouiscommunity.com/accounts/savings-and-checking-rates
- stlouiscommunity.com/accounts/…nd-vacation-club-savings
All captured Oct 16, 2026
Vacation Club Savings
0.30%APY
Minimum deposit of $5 to open. Automatically transfers to chosen account in June. Early withdrawal fee applies except during first 6 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny balance. Dividends compounded and credited quarterly.Any balance | 0.30% | $30 | Any balance. Dividends compounded and credited quarterly. |
Sources (2)
- stlouiscommunity.com/accounts/savings-and-checking-rates
- stlouiscommunity.com/accounts/…nd-vacation-club-savings
All captured Oct 16, 2026
Who can join St. Louis Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis City and Franklin, St. Louis, and St. Charles counties in Missouri, or St. Clair, Madison, Monroe, and Jersey counties in Illinois.
Family and household
- Membership is open to relatives of those eligible for St. Louis Community membership, including spouse, children, parents, brothers and sisters, grandparents and grandchildren, aunts and uncles, nieces and nephews, first cousins, legal guardians, and step, in-law, and legally adoptive relationships.
Cost to join
- Opening a regular savings account with a minimum deposit and balance of $1 is required to establish membership.
Membership information collected October 4, 2026.