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 16–30 results in St. Louis, MO
- St. Louis Policemen's Credit UnionSavingsSavings · $25 min · 0.50%–0.70% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Opening a savings account requires $1 for a membership fee and $25 that has to remain in the account at all times.
Offer: Up to $5,000. Opening requires $1 membership fee and $25 minimum balance.
0.50% interest rate
Rate by balance
Rate by balance for Savings Balance APY Up to $5,000 0.50%* $5,000 – $40,000Your amount$5,000 – $40,000. 0.60%* $40,000 and upOver $40,000. 0.70%* Rate checked
More details - Midwest BankCentrePersonal Money MarketPersonal Money Market · $1,000 min · 0.25%–1.45% by balance
Bank · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates apply to daily balances indicated. Rates are variable and may change after account opening. $1,000 minimum balance requirement.
0.25% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY $999 – $9,999 0.25% $9,999 – $24,999Your amount 0.50% $24,999 – $49,999 0.90% $49,999 – $99,999 1.35% $99,999 and up 1.45% 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 - 0.35%APY$35 a year on $10,000
Requirements
Product: Open with $5 deposit (membership share). No monthly maintenance fees.
Offer: Dividends are paid on Share Savings accounts with balances of $100 or more.
0.35% interest rate · No monthly fee · Effective Feb 1, 2023
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 3 branches
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 - St. Louis Community Credit UnionFreedom Savings AccountSavings · 0.30%–0.40% by balance
Credit union · 7 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Restricted access savings account. Money deposited may not be withdrawn until your Freedom Line of Credit loan has a zero balance. No minimum balance requirement. Dividends compounded and credited monthly.
Offer: Money may not be withdrawn until Freedom Line of Credit loan has a zero balance. Compounded and credited monthly.
Qualified rate · 0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Freedom Savings Account Balance APY Up to $10,001Your amount 0.30% $10,001 – $25,001 0.35% $25,001 and up 0.40% Rate checked
More details - St. Louis Community Credit UnionSave to Prosper Savings AccountSavings · $5 min · 0.30%–0.40% by balance
Credit union · 7 branches
0.30%APY$30 a year on $10,000Requirements
Product: Prize-linked savings account. Open with minimum $5. Must be an SLCCU member in good standing with a regular share account, age 18 or older. Penalties imposed for early withdrawal (except during January). Monthly/quarterly/annual drawings based on $25 incremental savings.
Offer: Dividends compounded and credited monthly. Penalties imposed for early withdrawal (not applicable in January).
0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Save to Prosper Savings Account Balance APY Up to $10,001Your amount 0.30% $10,001 – $25,001 0.35% $25,001 and up 0.40% Rate checked
More details - St. Louis Community Credit UnionRegular SavingsSavings · $1 min · 0.30%–0.40% by balance
Credit union · 7 branches
0.30%APY$30 a year on $10,000Requirements
Product: Minimum deposit and minimum balance of $1 to establish account. Dividends compounded and credited monthly.
Offer: Pays dividends on all funds in the account. Compounded and credited monthly.
0.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,001Your amount 0.30% $10,001 – $25,001 0.35% $25,001 and up 0.40% 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 - 0.25%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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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