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 211–225 results in St. Louis, MO-IL metro
- CommunityAmerica Credit UnionSavingsSavings · $1 min · 0.03%–0.05% by balance
Credit union · 8 branches
0.03%APY$3 a year on $10,000Requirements
Product: Minimum balance to open Savings account is $1 and may be the Par Value of your share in this credit union. A Savings account that holds the Par Value (suffix 00 account) earns dividends. All other accounts earn interest where applicable.
0.03% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Savings Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.03% $25,000 – $50,000 0.03% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY$3 a year on $10,000
Effective Sep 1, 2026
Rate checked
More details - First BankPerformance Money MarketPerformance Money Market · $100 min · 0.01%–0.02% by balance
Bank · 29 branches
0.02%APY$2 a year on $10,000Requirements
Product: Avoid a Monthly Maintenance Fee if certain conditions are met. Check writing privileges. Open with as little as $100.00.
Offer: Variable-rate account; APY may change any time after the account is opened. Fees may reduce earnings.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000 0.01% $10,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 and up 0.02% Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
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: Standard Rate with qualifying, open Huntington Perks Checking account. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · Balance cap $2,000,000.99 · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
Offer: Monthly service fee waived with $100 minimum daily ledger balance.
0.02% interest rate · $3 monthly fee · Effective Sep 17, 2026
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More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Access account securely online with online banking account. Add BIG CHANGE to accumulate and transfer debit card round-ups daily from checking to savings.
Offer: All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. The rate may change after the account is opened.
Qualified rate · 0.01% interest rate · Effective Oct 21, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Offer: All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. The rate may change after the account is opened.
0.01% interest rate · Effective Oct 21, 2026
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More details - 0.01%APY$1 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: Base rate applied to all balances if monthly qualifications are not met in linked account.
Qualified rate · 0.01% interest rate · No monthly fee · Effective Oct 20, 2026
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More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Reward Savings accounts must be linked to a High Interest Reward Checking or Cash Back Reward checking account. If the linked checking account satisfies the qualification requirements for a monthly qualification cycle (minimum 12 debit card purchases post, monthly e-Statements, and log into online banking at least once during the cycle), earns qualifying rate; otherwise earns nonqualifying rate.
Offer: Non-qualifying rate when linked checking account does not satisfy monthly qualification cycle requirements.
Qualified rate · 0.01% interest rate · Effective Oct 23, 2026
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More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 72 branches
0.01%APY$1 a year on $10,000Requirements
Offer: Standard rate
0.01% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Monthly service fee waived with a $300 daily balance or at least one monthly electronic deposit of $25 or more, and waived for the first 60 days after new account opening. Up to 3 free withdrawals or transfers per month ($2.00 for each additional transaction). Free paperless statements; $3.00 per month for paper statements.
Offer: No minimum balance requirement to earn APY. Monthly service fee is $5.00, waived if maintaining a $300 minimum daily balance or having at least one monthly electronic deposit of $25 or more (also waived for the first 60 days for new accounts). Free paperless statements; $3.00/month for paper statements. Up to 3 free withdrawals/transfers per month ($2.00 each thereafter). Annual deposit reward of up to $60 per account ($100 per household) available for making 11 consecutive monthly deposits and 4 or fewer withdrawals per year.
$5 monthly fee · Effective Oct 23, 2026
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More details - Commerce BankPremium Money Market AccountPremium Money Market Account · $1,000 min
Bank · 38 branches
0.01%APY$1 a year on $10,000Requirements
Product: Monthly service fee of $12 waived with $5,000 daily balance. Interest compounded monthly. Daily balance method applies a daily periodic rate to ending collected balance. Rate increases when balances reach $24,999.00 and $99,998.00. Rate is based on five tier levels.
Offer: Monthly service fee $12 waived if $5,000 daily balance is maintained for the monthly cycle. Rate applies based on ending collected balance each day.
Compounded monthly · $12 monthly fee · Effective Oct 23, 2026
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More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Requires linked Montgomery eBlue Checking account. Minimum opening deposit is $100. No monthly maintenance fee. Limited to one account per individual.
Offer: Base rate applied to entire daily collected balance if minimum activity requirements are not met during the statement/qualification cycle.
Qualified rate · 0.01% interest rate · Effective May 1, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Available on personal accounts only. Requires linked Montgomery eGold Checking account. Limited to one account per individual. No monthly maintenance fee.
Offer: Applies to entire daily collected balance if minimum activity requirements are not met during statement cycle.
Qualified rate · 0.01% interest rate · No monthly fee · Effective Jun 1, 2026
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 23–24
- 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
- CIBC Bank USABank · 1 branch
- 1st MidAmerica Credit UnionCredit union · 8 branches