Bank · FDIC insured
State Bank Savings Rates
State Bank’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How State Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where State Bank has the most branches. $10,000, best rate first.
This bank’s best
State Bank
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
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
State Bank savings score
68
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
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 State 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
0.15%APY
Tiered interest rate account. Monthly compounding and crediting. Limit of six withdrawals or covered transfers per calendar month or statement cycle; $15.00 per item charge for each debit transaction in excess of six.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.10% | — | Tier 1 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
| $10,000 – $25,000Tier 2 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.15% | $15 | Tier 2 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
| $25,000 – $50,000Tier 3 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.20% | — | Tier 3 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
| $50,000 – $100,000Tier 4 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.25% | — | Tier 4 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
| $100,000 – $250,000Tier 5 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.30% | — | Tier 5 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
| $250,000 and upTier 6 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. | 0.35% | — | Tier 6 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle. |
Sources (3)
- sbw.bank/services/personal/savings
- sbw.bank/services/rates
- sbw.bank/media/2wxhse4p/combined-disclosures_4-2026.pdf
All captured Oct 16, 2026
Savings Account
0.15%APY
A fee of $1.00 will be imposed every month if the average daily balance for the month falls below $100.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- sbw.bank/media/2wxhse4p/combined-disclosures_4-2026.pdf · captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Interest will not be compounded. Interest will be credited into this account annually. If you close your account before interest is credited, you will not receive the accrued interest. The account term runs through the last Thursday of October each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- sbw.bank/media/2wxhse4p/combined-disclosures_4-2026.pdf · captured Oct 16, 2026
Vacation Club
0.15%APY
Interest will not be compounded. Interest will be credited into this account annually. If you close your account before interest is credited, you will not receive the accrued interest. The account term runs through the last Thursday of April each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- sbw.bank/media/2wxhse4p/combined-disclosures_4-2026.pdf · 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.