Compare Bank & Credit Union Rates
Best savings rates in Wentzville, 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 Wentzville, MO
- 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 · 2 branches
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 - Vantage Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.25%–2.25% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires $1,000 minimum deposit to open. No monthly service fee with a $10,000 daily balance. Interest compounded and credited monthly. Limited monthly check writing and fund transfers. Membership eligibility required.
Offer: No monthly service fee with a $10,000 daily balance.
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.25% $10,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.50% $50,000 – $100,000 1.75% $100,000 and up 2.25% Rate checked
More details - Bank of Old MonroeMoney Market AccountMoney Market Account · $1,500 min · 0.50%–2.02% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Requires a minimum of $1,500 to open. Limited to 6 withdrawals or transfers a month. If the balance falls below $1,000, there is an $8 monthly service charge.
Offer: If balance falls below $1,000, an $8 monthly service charge applies. Limited to 6 withdrawals or transfers per month.
0.50% interest rate · $8 monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.50% $5,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.51% $100,000 – $250,000 1.76% $250,000 and up 2.02% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Interest bearing account. Limited to 6 transfers or withdrawals per statement period/month. $2 withdrawal charge applied beyond 6 transactions. $3 monthly service charge if balance falls below $100; waived for qualifying students and customers age 60 and older.
Offer: Minimum opening balance of $100. $3 service charge if balance falls below $100 during statement period (waived for qualifying students and customers age 60+). Limited to 6 transfers/withdrawals per month/statement period ($2 fee per withdrawal beyond 6).
0.50% interest rate · $3 monthly fee · Effective Jan 26, 2026
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 - 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 - The Missouri BankMoney Market Demand Account Consumer (MMDA Consumer)Money Market Demand Account Consumer (MMDA Consumer) · $1,000 min
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly.
0.25% interest rate · $10 monthly fee
Rate checked
More details - The Missouri BankMoney Market Demand Account Gold (MMDA Gold)Money Market Demand Account Gold (MMDA Gold) · $1,000 min · 0.25%–1.11% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Current rate and APY are based on daily balance in account. No interest accrued if account balance falls below minimum at any time during the statement cycle.
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum.
0.25% interest rate · $10 monthly fee · Effective Aug 22, 2025
Rate by balance
Rate by balance for Money Market Demand Account Gold (MMDA Gold) Balance APY $1,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.55% $100,000 – $200,000 1.01% $200,000 – $1,000,000 1.01% $1,000,000 and up 1.11% 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 Wentzville, MO
38 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
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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