Compare Bank & Credit Union Rates
Best savings rates in Festus, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Jefferson County, MO · Showing Jefferson County, MO: too few institutions in Festus, MO
- 0.20%APY$20 a year on $10,000
Requirements
Product: Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate
Rate checked
More details - Together Credit UnionAccelerate It SavingsSavings · $100 min · 0.20%–5.00% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must be 19 years of age or older (or 22 years or older per rates disclosure) and have an open checking account located under the same membership number; converts to Regular Savings if checking account is closed. One account per SSN or TIN. Membership eligibility required.
Offer: Requires open checking account under the same membership number. $100 average daily balance required for dividend/interest rate.
Qualified rate · 4.89% interest rate · Effective Jun 1, 2025
Rate by balance
Rate by balance for Accelerate It Savings Balance APY $100 – $5,001 5.00% $5,001 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Add-on account for special goals requiring an existing primary membership savings account. Membership eligibility required.
Offer: Requires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement.
0.20% interest rate · No monthly fee
Rate checked
More details - Heritage Community BankHERITAGE Savings AccountsSavings · $0 min · 0.15%–0.25% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Interest compounds daily and is paid quarterly, calculated on the average daily balance. Dormant account fee of $5.00 per statement cycle applies if account is inactive for 365 days with balance of $200.00 or less.
0.15% interest rate
Rate by balance
Rate by balance for HERITAGE Savings Accounts Balance APY Up to $5,000 0.15% $5,000 – $20,000Your amount 0.20% Over $20,000 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must maintain a minimum average daily balance of $500 to obtain the APY. If average daily balance falls below $2500, a $10/month maintenance fee plus $0.25 on each debit will be imposed.
Offer: Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. Must maintain minimum average daily balance of $500 to obtain APY.
0.11% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for MMDA Regular Balance APY $500 – $2,500 0.11% $2,500 – $25,000Your amount 0.15% $25,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - Heritage Community BankHERITAGE Money Market AccountsHERITAGE Money Market Accounts · $1,000 min · 0.15%–0.40% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening balance of $1,000.00. A service charge of $10.00 is imposed every statement cycle if the average daily balance falls below $1,000.00. Interest is calculated on the average daily balance and paid monthly. Restricted to 6 transactions per month. First box of checks free (limited styles).
Offer: A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month.
0.15% interest rate · $10 monthly fee
Rate by balance
Rate by balance for HERITAGE Money Market Accounts Balance APY Up to $10,000Your amount 0.15% $10,000 – $20,000 0.15% $20,000 – $50,000 0.20% Over $50,000 0.40% Rate checked
More details - 0.15%APY$15 a year on $10,000
0.15% interest rate · Balance cap $24,999.99 · Effective Jun 27, 2022
Rate checked
More details - PSB BankMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.25% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A checking account that offers tiered interest and helps you earn higher interest rates as your balance increases. Fees could reduce earnings on accounts. Interest rates are subject to change.
Offer: The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
0.10% interest rate · Effective Jun 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.10% $25,000 – $49,001 0.10% $50,000 and up 0.25% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 2 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 0.07%–0.16% by balance
Bank · 1 branch
0.07%APY$7 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: Standard APY. 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 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $250,000 0.10% $250,000 – $1,000,000 0.13% $1,000,000 and up 0.16% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 2 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Ideal for individuals who want a simple savings account to set money aside for emergencies, future goals, or everyday saving—with no minimum balance requirement. Straightforward savings option with no balance minimums. Quarterly interest accrual and compounding. Online account opening is only available to residents of Missouri, Arkansas, Illinois, Kansas, & Iowa.
Offer: No minimum balance required to earn interest or open account.
0.05% interest rate · Effective Jun 17, 2026
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 Jefferson County, MO
61 accounts at 23 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.33%
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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