Compare Bank & Credit Union Rates
Best savings rates in Chesterfield, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Chesterfield, MO
- 3.01%APY$301 a year on $10,000with conditions
Requirements
Offer: 12 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet
Qualified rate · 2.97% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Montgomery eGold Savings Balance APY Up to $50,000Your amount 3.01% Over $50,000 0.07% Rate checked
More details - 2.90%APY$290 a year on $10,000
Requirements
Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
$5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - First Community Credit UnionMoney Management (Money Market)Money Management (Money Market) · $1,000 min · 2.30%–3.05% by balance
Credit union · 1 branch
2.30%APY$230 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly maintenance fee. Dividends calculated daily and paid monthly. Unlimited branch withdrawals; up to 6 free withdrawals and transactions per month (all 6 may be checks, $15 fee for more than 6 checks). Account closed if withdrawal limitations exceeded 3 times in a 12-month period. Effective March 2026, members can no longer withdraw or deposit through ATMs for this account.
Offer: Compounding and crediting frequency: Monthly.
No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Management (Money Market) Balance APY $1,000 – $24,999Your amount 2.30% $25,000 – $49,999 2.90% $50,000 and up 3.05% Rate checked
More details - 2.01%APY$201 a year on $10,000with conditions
Requirements
Product: Requires linked Montgomery eBlue Checking account. Minimum opening deposit is $100. No monthly maintenance fee. Limited to one account per individual.
Offer: Applies to daily collected balances up to $50,000 when qualification activity requirements on linked eBlue Checking are met (at least 12 debit card POS purchases, at least 1 direct deposit or recurring ACH auto debit, maintain valid email and free eStatements).
Qualified rate · 1.99% interest rate · Balance cap $50,000 · Effective May 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Exclusively available to Kasasa Cash or Kasasa Cash Back checking account holders. Limit 1 account per SSN.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during Monthly Qualification Cycle: 12+ debit card purchases > $1.00, enrollment in e-statements, and 1+ direct deposit/ACH payment transaction.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Free Kasasa Saver® Account Balance APY Up to $50,000Your amount 2.00% Over $50,000When qualifications are met. 1.49% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - First State Bank of St. CharlesPersonal Money MarketPersonal Money Market · $1,000 min · 0.60%–0.85% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Effective Date: 09/15/2026. Monthly service fee is $0 ($10 if balance falls below $1,000). Rates and fees subject to change after account opening.
Offer: Monthly fee is $0 ($10 if balance falls below $1,000).
0.60% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $49,999Your amount 0.60% $50,000 – $199,999 0.65% $200,000 and up 0.85% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $5 quarterly maintenance fee waived with $300 minimum daily balance or $500 average daily balance.
Offer: Minimum balance to obtain stated APY is $28.00. Interest is compounded and credited quarterly.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Midwest BankCentrePersonal Money MarketPersonal Money Market · $1,000 min · 0.25%–1.45% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Rates apply to daily balances indicated. Rates are variable and may change after account opening. $1,000 minimum balance requirement.
0.25% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY $999 – $9,999 0.25% $9,999 – $24,999Your amount 0.50% $24,999 – $49,999 0.90% $49,999 – $99,999 1.35% $99,999 and up 1.45% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Offer: $4 monthly service charge waived with $200 daily minimum balance
0.30% interest rate · No monthly fee · Effective Sep 15, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Requires $100 minimum opening balance and $100 monthly minimum balance. Subject to monthly maintenance fee if minimum balance falls below $100.
Offer: Monthly maintenance fee assessed if minimum balance dips below $100.
0.30% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership with First Community Credit Union. Must maintain a minimum balance of $1 to qualify for membership. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary account to save for a special purchase or event while keeping primary savings intact. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Chesterfield, MO
45 accounts at 14 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 2.00%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.25%
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St. Louis, MO-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 42 branches
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch