Compare Bank & Credit Union Rates
Best savings rates in O'Fallon, 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 O'Fallon, MO
- 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 - 0.06%APY$6 a year on $10,000
Requirements
Product: Six free debit transactions per month; $2 fee for each additional debit. Minimum daily balance of $200 required to avoid a $3 monthly maintenance fee. $25 fee if account is closed within 90 days of opening. Interest compounded quarterly. Accrued interest forfeited if closed before interest is credited.
Offer: Rate may change after account opening. $200 minimum daily balance required to avoid $3 monthly fee.
0.06% interest rate · Compounded quarterly · $3 monthly fee · Effective May 18, 2026
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 - 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: A $5 minimum balance is required in the account; $5 deposit in savings is required for credit union membership.
Offer: Minimum daily balance of $100 required to earn APY. Balances of $100 or more earn interest.
0.05% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest earned on the full daily balance with no stated tiers. Variable rate may change after opening. Fees could reduce earnings. $2 paper statement fee per cycle waived for age 50+ or eStatements.
Offer: Daily balances of $0 or more. Rates current as of today's date; interest rate and APY may change after account opening. Fees could reduce earnings. Interest earned on daily balance; variable rate subject to change at First Mid's discretion.
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to open is $5, establishing membership. Minimum average daily balance of $100 required to obtain disclosed APY. Interest compounded monthly and credited last day of the month.
0.05% interest rate · Compounded monthly · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Only available to Premier Checking account customers.
Offer: Must have Premier Checking Account. Interest compounds monthly.
Qualified rate · 0.05% interest rate · Effective Aug 8, 2022
Rate checked
More details - Bank of Franklin CountyPatriot Money MarketPatriot Money Market · $25 min · 0.05%–0.35% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Tiered rate account. Monthly service charge of $10 applies if daily balance falls below $1,000 any day of the statement cycle. Transaction limit of six withdrawals or transfers per monthly statement cycle applies.
Offer: Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle.
0.05% interest rate · $10 monthly fee · Effective Aug 8, 2022
Rate by balance
Rate by balance for Patriot Money Market Balance APY Up to $49,999Your amount 0.05% $50,000 – $99,999 0.35% $100,000 and up 0.35% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Personal savings account. Interest is paid quarterly.
Offer: Interest paid quarterly. No maintenance fees.
0.05% interest rate · No monthly fee · Effective Aug 8, 2022
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Unlimited withdrawals each month. $3 monthly minimum balance fee waived for persons 17 and under and over 60.
Offer: Variable interest rate may change after account opening. $3 monthly fee if balance falls below $100 minimum; fee waived for persons 17 and under and over 60.
$3 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
Offer: Monthly service fee waived with $100 minimum daily ledger balance.
0.02% interest rate · $3 monthly fee · Effective Sep 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 O'Fallon, MO
54 accounts at 21 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.33%
- Banks, typical
- 0.05%
- 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