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 136–150 results in St. Louis, MO-IL metro
- 0.20%APY$20 a year on $10,000
Requirements
Product: Add-on account for special goals requiring an existing primary membership savings account. Membership eligibility required.
Offer: Requires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement.
0.20% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Primary membership account required to establish membership and access benefits. $5 minimum balance to keep membership active. Up to 8 sub-accounts allowed earning the same dividend rate. $10 fee if closed within 6 months; $5 fee per electronic withdrawal over 6/month; $5.00/month dormant fee after 2 years of inactivity.
Offer: Requires $40 minimum balance to earn dividends. Dividends compounded and paid quarterly.
No monthly fee · Effective Jul 3, 2026
Rate checked
More details - Farmers & Merchants National BankMoney Market Deposit AccountMoney Market Deposit Account · $2,500 min · 0.20%–0.50% by balance
Bank · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: Limited to 6 withdrawals a month; unlimited in person withdrawals. Interest compounds monthly. Rates may change after account is open. Fee of $12.00 per month if balance drops below $2,500.00.
Offer: Under $25,000 balance tier. Rates may change after account is open. Fees could reduce earnings on the account. Fee of $12.00 per month if balance drops below $2,500.00.
0.20% interest rate · $12 monthly fee
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Up to $25,000Your amount 0.20% $25,000 – $100,000 0.35% $100,000 and up 0.50% Rate checked
More details - Heritage Community BankHERITAGE Savings AccountsSavings · $0 min · 0.15%–0.25% by balance
Bank · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Interest compounds daily and is paid quarterly, calculated on the average daily balance. Dormant account fee of $5.00 per statement cycle applies if account is inactive for 365 days with balance of $200.00 or less.
0.15% interest rate
Rate by balance
Rate by balance for HERITAGE Savings Accounts Balance APY Up to $5,000 0.15% $5,000 – $20,000Your amount 0.20% Over $20,000 0.25% Rate checked
More details - County Credit UnionHigh-Yield SavingsSavings · $15 min · 0.20%–1.26% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Effective Sep 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $30,000Your amount 0.20% $30,000 – $40,000 0.76% $40,000 – $50,000 1.00% $50,000 and up 1.26% Rate checked
More details - 0.20%APY$20 a year on $10,000
Effective Sep 1, 2026
Rate by balance
Rate by balance for Checking Plus Balance APY $250 – $1,000 2.02% $1,000 – $30,000Your amount 0.20% $30,000 and up 0.76% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Quarterly maintenance service charge of $5.00 is waived with a minimum daily balance of $50.00 for the monthly statement cycle, or for Minors up to age 22. Additional $3.00 fee per withdrawal in excess of four per month.
Offer: Quarterly compounding and crediting through the end of the calendar quarter.
0.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - State BankMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.35% by balance
Bank · 5 branches
0.15%APY$15 a year on $10,000Requirements
Product: Tiered interest rate account. Monthly compounding and crediting. Limit of six withdrawals or covered transfers per calendar month or statement cycle; $15.00 per item charge for each debit transaction in excess of six.
Offer: Tier 1 rate. Fee of $15.00 imposed every statement cycle if average daily balance falls below $2,500.00 any day of the statement cycle.
0.10% interest rate · $15 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 rate. 0.15% $25,000 – $50,000Tier 3 rate. 0.20% $50,000 – $100,000Tier 4 rate. 0.25% $100,000 – $250,000Tier 5 rate. 0.30% $250,000 and upTier 6 rate. 0.35% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A fee of $1.00 will be imposed every month if the average daily balance for the month falls below $100.00.
0.15% interest rate · $1 monthly fee
Rate checked
More details - Heartland Bank and Trust CompanySuper Money MarketSuper Money Market · $2,500 min · 0.02%–0.75% by balance
Bank · 9 branches
0.15%APY$15 a year on $10,0000.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Super Money Market Balance APY Up to $10,000 0.02% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.25% $50,000 – $100,000 0.50% $100,000 and up 0.75% Rate checked
More details - First National Bank of RaymondMoney Market AccountMoney Market Account · $2,500 min · 0.15%–0.70% by balance
Bank · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Variable rate account; rates and APYs may change after opening. No monthly service charge for accounts with balances above $2,500 at all times during the month. Fees could reduce earnings.
Offer: Variable rate account.
0.15% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $20,000Your amount 0.15% $20,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 – $200,000 0.45% $200,000 – $500,000 0.55% $500,000 and up 0.70% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must maintain a minimum average daily balance of $500 to obtain the APY. If average daily balance falls below $2500, a $10/month maintenance fee plus $0.25 on each debit will be imposed.
Offer: Compounded monthly. $10 monthly maintenance fee waived with $2,500 minimum average balance. Must maintain minimum average daily balance of $500 to obtain APY.
0.11% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for MMDA Regular Balance APY $500 – $2,500 0.11% $2,500 – $25,000Your amount 0.15% $25,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest added back quarterly to the account. Maximum of six withdrawals per month to avoid fees. Rates may change after account is open. Fees could reduce earnings.
Offer: Minimum balance to obtain APY is $5.00. $5.00 opening deposit required. No monthly fees with a maximum of six withdrawals per month.
0.15% interest rate · No monthly fee
Rate checked
More details - Heritage Community BankHERITAGE Money Market AccountsHERITAGE Money Market Accounts · $1,000 min · 0.15%–0.40% by balance
Bank · 4 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening balance of $1,000.00. A service charge of $10.00 is imposed every statement cycle if the average daily balance falls below $1,000.00. Interest is calculated on the average daily balance and paid monthly. Restricted to 6 transactions per month. First box of checks free (limited styles).
Offer: A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month.
0.15% interest rate · $10 monthly fee
Rate by balance
Rate by balance for HERITAGE Money Market Accounts Balance APY Up to $10,000Your amount 0.15% $10,000 – $20,000 0.15% $20,000 – $50,000 0.20% Over $50,000 0.40% Rate checked
More details - 0.15%APY$15 a year on $10,000
0.15% interest rate · Balance cap $24,999.99 · Effective Jun 27, 2022
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
236 accounts at 85 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- 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