Compare Bank & Credit Union Rates
Best savings rates in St. Louis, 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 St. Louis, MO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Neighbors Credit UnionPremier Relationship Money MarketPremier Relationship Money Market · $0 min · 0.00%–3.35% by balance
Credit union · 1 branch
3.35%APY$335 a year on $10,000with conditionsRequirements
Product: Requires a premier loan relationship: commercial, mortgage, or home equity loan with an open amount of $100,000 or greater, or a home equity line of credit with a credit line of $100,000 or greater. Minimum $10,000 to open.
Qualified rate
Rate by balance
Rate by balance for Premier Relationship Money Market Balance APY Up to $9,999 0.00% $10,000 and upYour amount 3.35% Rate checked
More details - Neighbors Credit UnionPremier Relationship Money MarketPremier Relationship Money Market · $10,000 min · 0.00%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Requires a premier loan relationship: commercial, mortgage, or home equity loan with an open amount of $100,000 or greater, or a home equity line of credit with a credit line of $100,000 or greater. Minimum $10,000 to open.
Offer: Requires qualifying mortgage, home equity, or commercial loan relationship of $100,000 or greater.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Premier Relationship Money Market Balance APY Up to $10,000 0.00% $10,000 and upYour amount 3.25% 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 - Alliance Credit UnionMoney MarketMoney Market · $10,000 min · 2.20%–3.00% by balance
Credit union · 1 branch
2.20%APY$220 a year on $10,000Requirements
Product: Tied to Fed Funds. Offers six withdrawals or transfers during any statement period. If balance falls below $10,000, interest is not earned that month. Interest rate paid on entire balance.
Offer: Interest paid on entire balance. If balance falls below $10,000, no interest is earned that month.
2.18% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $10,000 – $24,999Your amount 2.20% $25,000 – $49,999 2.40% $50,000 – $74,999 2.60% $75,000 – $99,999 2.80% $100,000 and up 3.00% Rate checked
More details - Alltru Credit UnionHigh Yield Online SavingsSavings · $0 min · 0.05%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Requires an open, active checking account with at least 1 ACH deposit or withdrawal per month, consent to receive periodic statements electronically, and all transactions conducted online. Only one account per social security number.
Offer: Applies to daily balances between $0-$25,000 if qualifications are met.
Qualified rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for High Yield Online Savings Balance APY Up to $25,000Your amount 2.00% $25,000 and up 0.05% 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 - Scott Credit UnionMoney Market AccountMoney Market Account · 1.80%–2.05% by balance
Credit union · 1 branch
1.95%APY$195 a year on $10,0001.79% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 1.80% $2,500 – $10,000 1.95% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.00% $50,000 and up 2.05% 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 - Together Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.16%–1.66% by balance
Credit union · 3 branches
1.21%APY$121 a year on $10,000Requirements
Product: Interest compounds daily on balances of $1,000 or more and pays monthly. No monthly fee.
Offer: Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999.
1.15% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $9,999 1.16% $10,000 – $24,999Your amount 1.21% $25,000 – $49,999 1.36% $50,000 – $99,999 1.51% $100,000 – $249,999 1.56% $250,000 and up 1.66% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 3 branches
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 - Neighbors Credit UnionMoney MarketMoney Market · $2,000 min · 0.80%–2.25% by balance
Credit union · 1 branch
0.80%APY$80 a year on $10,000Requirements
Product: Start earning interest with just a $2,000 balance. Must open a Regular Savings Account and keep at least a $1 balance to join. Possible fees may apply if account falls below minimum balance requirement or if more than three check withdrawals per month.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $9,999 0.80% $10,000 – $24,999Your amount 0.80% $25,000 – $49,999 2.00% $50,000 – $74,999 2.00% $75,000 – $99,999 2.00% $100,000 – $149,999 2.00% $150,000 and up 2.25% Rate checked
More details - West Community Credit UnionMoney MarketMoney Market · $1,000 min · 0.50%–2.25% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Dividends paid monthly. Up to six withdrawals monthly. Additional deposits accepted. Tiered rates based on balance.
Offer: Minimum daily balance required to earn APY.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 1.00% $50,000 – $74,999 1.50% $75,000 – $99,999 1.75% $100,000 – $249,999 2.00% $250,000 and up 2.25% 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 St. Louis, MO
69 accounts at 24 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.28%
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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