Compare Bank & Credit Union Rates
Best savings rates in Clayton, 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 Clayton, MO
- 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 - 2.00%APY$200 a year on $10,000
Requirements
Offer: Minimum opening deposit $25. Minimum balance to earn APY: Any balance.
1.98% interest rate
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 - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 1 branch
1.38%APY$138 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 1.06% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 3.25% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.25% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Effective as of stated date. Rate subject to change without notice after account opening. Fees may reduce earnings. Maintain $1,000 balance to avoid $10 monthly fee.
Offer: Minimum opening deposit $1,000. Minimum balance to earn APY: Any balance.
1.00% interest rate
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Capital Money Market Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 1.51% $100,000 – $500,000 2.02% $500,000 and up 2.27% Rate checked
More details - Bank of WashingtonMoney Market DepositMoney Market Deposit · $1,000 min · 0.50%–0.80% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Deposit Balance APY Up to $20,000Your amount 0.50% $20,000 – $50,000 0.50% $50,000 – $250,000 0.65% $250,000 and up 0.80% Rate checked
More details - Peoples National BankPreferred Money MarketPreferred Money Market · $1,000 min · 0.48%–0.50% by balance
Bank · 1 branch
0.49%APY$49 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. $1,000 minimum balance to receive interest.
Offer: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding.
$10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY $1,000 – $10,000 0.48% $10,000 – $25,000Your amount 0.49% $25,000 and up 0.50% Rate checked
More details - 0.42%APY$42 a year on $10,000
Requirements
Product: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance.
Offer: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance. APY based on monthly compounding.
$5 monthly fee · Effective Sep 15, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000with conditions
Requirements
Product: Free account that builds savings automatically. Linked to free Cha-CHING Ca$h or Cha-CHING Ca$h Back checking account. Automatic transfers of rewards. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements in linked Cha-CHING Ca$h or Cha-CHING Ca$h Back account: at least 12 debit card purchases post and settle, receive eStatements, and at least 1 ACH auto debit or bill pay transaction post and settle.
Qualified rate · 0.40% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Free monthly service charge with no daily balance requirement. Works with the Kids Go Green program. $100 minimum opening deposit for age 18 and older, $25 for under age 18.
Offer: Earns APY on any balance.
0.25% interest rate · No monthly fee
Rate checked
More details - County Credit UnionHigh-Yield SavingsSavings · $15 min · 0.20%–1.26% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Effective Sep 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $30,000Your amount 0.20% $30,000 – $40,000 0.76% $40,000 – $50,000 1.00% $50,000 and up 1.26% 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 Clayton, MO
48 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 1.11%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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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