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 16–30 results in Jefferson County, MO · Showing Jefferson County, MO: too few institutions in Festus, MO
- 0.40%APY$40 a year on $10,000
Requirements
Product: If the daily average balance for the month falls below $50,000, a $50 monthly service charge and $0.25 per debit transaction will be charged.
Offer: Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.
0.40% interest rate · Compounded monthly · $50 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for Premium MMDA Balance APY Up to $100,000Your amount 0.40% $100,000 – $250,000 0.45% $250,000 and up 4.00% Rate checked
More details - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 6 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of opening are not eligible. Must be a Missouri resident. Cannot be opened online. Opening deposit $10,000. $20 monthly service charge waived by maintaining an average daily ledger balance of $10,000 or more. $3 monthly paper statement fee avoided by enrolling in electronic statements. Up to 6 free withdrawals per monthly statement cycle ($5 per additional withdrawal). Variable rate. Must maintain a minimum balance of $2,500 in the account each day to obtain disclosed APY.
Offer: Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0.
0.00% interest rate · $20 monthly fee · Effective Nov 5, 2025
Rate by balance
Rate by balance for Consumer Premium Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.25% $10,000 – $50,000Your amountMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.35% $50,000 – $100,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.85% $100,000 – $250,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.63% $250,000 – $500,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.89% $500,000 – $1,000,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.04% $1,000,000 and upMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.56% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: A dedicated account for specific goals. All members must maintain a membership share of $5 in every separate account number they own. No monthly fees with eStatements. Rates may change after account opening. Fees could reduce earnings.
Rate by balance
Rate by balance for Special Savings Balance APY Up to $500 0.25% $500 – $2,000 0.25% $2,000 – $5,000 0.25% $5,000 – $10,000 0.25% $10,000 – $20,000Your amount 0.35% $20,000 – $50,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.75% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: All members must maintain a membership share of $5 in every separate account number they own. No monthly fees with eStatements. Rates may change after account opening. Fees could reduce earnings.
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $500 0.25% $500 – $2,000 0.25% $2,000 – $5,000 0.25% $5,000 – $10,000 0.25% $10,000 – $20,000Your amount 0.35% $20,000 – $50,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.75% 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 - 0.30%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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Special savings account for specific savings goals.
Offer: Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Initial deposit establishes membership and must remain in account. Dividends paid on balances of $100+.
Offer: Dividends paid on balances of $100+. Interest/dividend is calculated based on the average balance each quarter and is paid at the end of each quarter.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Standard savings account. $4.00 monthly service fee can be waived by maintaining a minimum daily balance of $300.00 (or average monthly balance of $300) or enrolling in online statements. 6 free withdrawals per month; after that, $1 per withdrawal.
Offer: Applies to balances $0.01 - $25,000.00. Rates subject to change daily.
Balance cap $25,000 · $4 monthly fee
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: $3 monthly fee if balance falls below $150 minimum daily balance. Two free withdrawals per month; additional withdrawals are $1 each if balance is less than $500.
Offer: Calculated daily, compounded semi-annually. $3 monthly fee if balance falls below $150 minimum daily balance. Two free withdrawals per month, $1 each additional withdrawal if balance is less than $500.
0.25% interest rate · $3 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Tiered variable interest rates. $2,500 monthly minimum balance to avoid $10 monthly service fee. Includes 6 free electronic transfers/ACH debits/third-party checks per month; $10.00 fee per item in excess of 6.
Offer: Compounded monthly. $2,500 monthly minimum balance to avoid $10 monthly service fee.
0.00% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.35% $50,000 – $500,000 0.65% $500,000 – $1,000,000 0.75% $1,000,000 and up 1.50% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: No Monthly Maintenance Fee with a $200 Minimum Average Balance. Compounded quarterly. Limited to six transfers/withdrawals per month. $20 Early Account Closing Fee if closed within 90 days of opening.
Offer: Compounded quarterly. Rates may change.
0.20% interest rate · Compounded quarterly · Effective Sep 22, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Primary membership savings account option. Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate · 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 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