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 16–30 results in St. Louis, MO-IL metro
- 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 - Century Credit UnionSmart Savers (Money Market)Smart Savers (Money Market) · $100 min · 0.30%–2.78% by balance
Credit union · 2 branches
2.43%APY$243 a year on $10,000Requirements
Product: Available to members who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO. $5 minimum deposit to open. No monthly fee. Interest calculated on average daily balance each month and paid at month-end.
Offer: Interest calculated based on average daily balance each month and paid at month-end.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Savers (Money Market) Balance APY $100 – $2,500 0.30% $2,500 – $10,000 2.32% $10,000 – $25,000Your amount 2.43% $25,000 – $50,000 2.53% $50,000 – $75,000 2.63% $75,000 – $100,000 2.73% $100,000 and up 2.78% Rate checked
More details - Members 1st Credit UnionMoney MarketMoney Market · $2,500 min · 2.43%–3.25% by balance
Credit union · 2 branches
2.43%APY$243 a year on $10,000Requirements
Product: Dividends are calculated on the average daily balance, compounded and credited monthly, and earned on the entire balance based on the tier in which average daily balance falls. Minimum $250 withdrawals/transfers.
Offer: Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $19,999Your amount 2.43% $20,000 – $49,999 2.84% $50,000 – $74,999 3.04% $75,000 and up 3.25% Rate checked
More details - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 4 branches
2.40%APY$240 a year on $10,000Requirements
Product: Opening deposit and account minimum is $2,500. Balance required to avoid a fee is $2,500. $200 minimum on withdrawals to avoid a fee.
Offer: Tier 1 rate. Balance required to avoid a fee is $2,500.
2.37% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Insured Money Market Account (IMMA) Balance APY $2,500 – $25,000Your amount 2.40% $25,000 – $50,000Tier 2 rate. 2.50% $50,000 – $100,000Tier 3 rate. 2.60% $100,000 and upTier 4 rate. 2.70% 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 · 42 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 - Sullivan BankPremium Money MarketPremium Money Market · $2,500 min · 0.05%–3.50% by balance
Bank · 6 branches
2.25%APY$225 a year on $10,000Requirements
Product: Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. $10 fee for each withdrawal in excess of eight per statement cycle.
Offer: Balances below $10,000. Monthly $10 fee if average daily balance is below $2,500.
$10 monthly fee · Effective Mar 17, 2025
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 2.25% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.50% Rate checked
More details - Alliance Credit UnionMoney MarketMoney Market · $10,000 min · 2.20%–3.00% by balance
Credit union · 6 branches
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 - 2.01%APY$201 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: Applies to daily collected balances up to $50,000 when qualification activity requirements on linked eBlue Checking are met (at least 12 debit card POS purchases, at least 1 direct deposit or recurring ACH auto debit, maintain valid email and free eStatements).
Qualified rate · 1.99% interest rate · Balance cap $50,000 · Effective May 1, 2026
Rate checked
More details - Commercial BankFree Kasasa Saver® AccountSavings · $100 min · 1.49%–2.00% by balance
Bank · 4 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Exclusively available to Kasasa Cash or Kasasa Cash Back checking account holders. Limit 1 account per SSN.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during Monthly Qualification Cycle: 12+ debit card purchases > $1.00, enrollment in e-statements, and 1+ direct deposit/ACH payment transaction.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Free Kasasa Saver® Account Balance APY Up to $50,000Your amount 2.00% Over $50,000When qualifications are met. 1.49% Rate checked
More details - Alltru Credit UnionHigh Yield Online SavingsSavings · $0 min · 0.05%–2.00% by balance
Credit union · 5 branches
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 $10,000
Requirements
Offer: Minimum opening deposit $25. Minimum balance to earn APY: Any balance.
1.98% interest rate
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 - Scott Credit UnionMoney Market AccountMoney Market Account · 1.80%–2.05% by balance
Credit union · 22 branches
1.95%APY$195 a year on $10,0001.79% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 1.80% $2,500 – $10,000 1.95% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.00% $50,000 and up 2.05% Rate checked
More details - Midwest Members Credit UnionMoney Market PlusMoney Market Plus · $2,500 min · 1.76%–2.02% by balance
Credit union · 3 branches
1.81%APY$181 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Minimum daily balance of $2,500.00 must be maintained to earn disclosed rate. Dividends compound and paid monthly. Free online and mobile banking.
Offer: Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.
1.75% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $2,500 – $9,999 1.76% $10,000 – $24,999Your amount 1.81% $25,000 – $49,999 1.92% $50,000 – $99,999 1.97% $100,000 and up 2.02% 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