Compare Bank & Credit Union Rates
Best high-yield savings rates
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-IL metro
- 5.12%APY$512 a year on $10,000
5.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Tiered based on qualified balance and combined account total.
Offer: Qualified Balances up to $25,000.00. Interest compounded monthly.
Qualified rate · 4.41% interest rate · Compounded monthly · Effective Mar 25, 2024
Rate by balance
Rate by balance for CB Legacy Balance APY Up to $25,000Your amount 4.50% Over $25,000Qualified; stated APY range is 4.50% - 0.83%. $125,000.00). 0.10%* Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Primary owner must be primary owner on Extreme Green Checking to qualify. Available only for residents of specific Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington. $3 paper statement fee unless $5,000 minimum daily balance is maintained or primary account owner is over 65.
Offer: If monthly qualifications are not met in Extreme Green Checking, all balances earn 0.10% APY.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Extreme Green Savings Balance APY Any balance 0.10% Up to $20,000Your amountWhen monthly qualification cycle requirements are met in Extreme Green Checking (at least 10 debit card transactions post and settle each cycle, receive direct deposit or ACH). 4.00% $20,000 and up Unknown Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.
Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.
3.69% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Sep 22, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 13 branches
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 - Century Credit UnionPrime Money MarketPrime Money Market · $5 min · 0.30%–3.55% by balance
Credit union · 2 branches
3.55%APY$355 a year on $10,000with conditionsRequirements
Product: Requires $10,000 minimum average daily balance, ongoing direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). $5 minimum deposit to open. No monthly fee. Available to members living/working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
Offer: Applies to all balances if qualifications aren't met (earns regular savings account rate).
Qualified rate · 0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Prime Money Market Balance APY Any balance 0.30% $10,000 – $500,000Your amountInterest calculated based on average daily balance each month and paid at month-end. 3.55% $500,000 and upInterest calculated based on average daily balance each month and paid at month-end. 0.30% Rate checked
More details - CNB St. Louis BankForward Savings AccountSavings · $1,000 min · 0.25%–3.50% by balance
Bank · 6 branches
3.50%APY$350 a year on $10,000Requirements
Product: Available to consumer accounts only (individual, joint, trust, and UTMA). Limited to one account per primary owner. Accounts with a $0 balance for 30 days will automatically close. Does not include debit card or ATM access.
Offer: Interest accrues daily and is compounded quarterly. Rates are variable and may change after account opening.
Compounded quarterly · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Forward Savings Account Balance APY Up to $1,000,000Your amount 3.50% Over $1,000,000 0.25% Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Tiered based on qualified balance and combined account total.
Offer: Qualified Balances up to $15,000.00. Interest compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · Effective Mar 25, 2024
Rate by balance
Rate by balance for CB Loyalty Balance APY Up to $15,000Your amount 3.50% Over $15,000Qualified; stated APY range is 3.50% - 0.49%. $115,000.00). 0.10%* Rate checked
More details - Neighbors Credit UnionPremier Relationship Money MarketPremier Relationship Money Market · $0 min · 0.00%–3.35% by balance
Credit union · 8 branches
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 · 8 branches
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 8 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 8 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.01%APY$301 a year on $10,000with conditions
Requirements
Offer: 12 POS debit purchases per cycle, one monthly direct deposit or ACH auto debit, valid email, receive free eStatement via internet
Qualified rate · 2.97% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Montgomery eGold Savings Balance APY Up to $50,000Your amount 3.01% Over $50,000 0.07% 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-IL metro
237 accounts at 85 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.20%
- 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