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 31–45 results in St. Louis, MO-IL metro
- 1st MidAmerica Credit UnionMoney Market Deposit AccountsMoney Market Deposit Accounts · 1.76%–2.02% by balance
Credit union · 8 branches
1.81%APY$181 a year on $10,000Requirements
Product: Average Monthly Balances under $2,500 are subject to a $10.00 monthly service fee, and will earn the Regular Share Rate. Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
Offer: Over $100,000.00
2.00% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Deposit Accounts Balance APY Any balance 2.02% $2,500 – $10,000 1.76% $10,000 – $25,000Your amount 1.81% $25,000 – $50,000 1.92% $50,000 – $100,000 1.97% Rate checked
More details - Revity Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.00% by balance
Credit union · 8 branches
1.80%APY$180 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $2,500 minimum/average balance. Six withdrawals per month (fee per transaction applies after six). Minimum $300 withdrawal amount. Direct check-writing ability.
Offer: Avoid $10 monthly service fee by maintaining a $2,500 minimum/average balance.
1.80% interest rate · $10 monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 1.80% $25,000 – $50,000 1.85% $50,000 – $75,000 1.90% $75,000 – $100,000 1.95% $100,000 and up 2.00% Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Optional named savings folders for separate goals; same published rate table as Holiday Saver Account. Rates subject to change daily.
Offer: TIER-1; min. to earn APY $0.01. Shared Holiday Saver schedule.
1.54% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for My Use Account Balance APY Over $0 1.55% $1,000 and upTIER-2; to earn APY $1,000.00. 1.60% $10,000 and upYour amountTIER-3; to earn APY $10,000.00. 1.65% Rate checked
More details - FCB BanksPremier Money MarketPremier Money Market · $1,000 min · 0.65%–2.00% by balance
Bank · 17 branches
1.60%APY$160 a year on $10,000Requirements
Product: Minimum opening deposit of $1,000. Monthly service charge of $18 assessed if account falls below $1,000 minimum daily balance. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment). Receive bonus rate with 49er Gold Club Checking.
Offer: Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum daily balance to earn interest is $0.01.
0.65% interest rate · $18 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.65% $5,000 – $25,000Your amount 1.60% $25,000 – $45,000 1.85% $45,000 – $96,000 1.95% $96,000 and up 2.00% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 8 branches
1.60%APY$160 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 Choice enhanced rate tier. Requires meeting and maintaining Emerald 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 · 1.58% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.56%APY$156 a year on $10,000with conditions
Requirements
Product: Earn higher dividends Minimum balance of $2500 Free Digital Banking and Bill Pay A JMAFCU debit card with a checking account Direct Deposit Available
Offer: Must maintain a minimum average daily balance of $2,500 to earn dividends. Rates on variable rate accounts (i.e. Share Savings, Checking, and Super Savings) could change after account opening.
Qualified rate · 1.55% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Savings Balance APY $2,500 – $24,999Your amount 1.56% $25,000 – $99,999 1.66% $100,000 and up 1.81% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Must maintain a daily collected balance within each range to obtain the APY for each interest rate tier.
Offer: Must maintain a daily collected balance within range to obtain APY tier.
1.49% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY $1,000 – $500,000Your amount 1.50% $500,000 – $1,000,000 2.50% $1,000,000 and up 3.10% Rate checked
More details - United Bank of UnionCompanion Savings AccountSavings · $1,000 min · 0.35%–1.50% by balance
Bank · 3 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Available only when paired with an authorized Certificate of Deposit (CD). After CD opening, eligible to make a one-time deposit up to the amount of the CD. No additional deposits can be made unless a new CD is opened at the time of deposit; additional deposit must be equal to or lesser than the accompanying CD amount.
Offer: If average daily balance falls below $1,000, Personal Savings interest rate applies.
Qualified rate · 0.35% interest rate
Rate by balance
Rate by balance for Companion Savings Account Balance APY Up to $1,000 0.35% $1,000 and upYour amount 1.50% Rate checked
More details - Catholic & Community CUMoney MarketMoney Market · $2,500 min · 1.45%–1.75% by balance
Credit union · 3 branches
1.45%APY$145 a year on $10,000Effective Jul 3, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.45% $25,000 – $75,000 1.65% $75,000 and up 1.75% Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 16 branches
1.38%APY$138 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 1.06% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 3.25% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.25% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Offer: Must maintain a $1,000 balance minimum to avoid a $10 maintenance fee. Rates are subject to change daily and fees may reduce earnings. APY may change at any time before or after account is opened.
$10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Together Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.16%–1.66% by balance
Credit union · 14 branches
1.21%APY$121 a year on $10,000Requirements
Product: Interest compounds daily on balances of $1,000 or more and pays monthly. No monthly fee.
Offer: Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999.
1.15% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $9,999 1.16% $10,000 – $24,999Your amount 1.21% $25,000 – $49,999 1.36% $50,000 – $99,999 1.51% $100,000 – $249,999 1.56% $250,000 and up 1.66% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: Daily Balance Required. Maximum opening per TIN for CD and IRA specials is $1,000,000. $249,000 per account limit. Early withdrawal penalty applies.
1.15% interest rate · Effective Sep 22, 2026
Rate checked
More details - SIUE Credit UnionMoney MarketMoney Market · $2,500 min · 1.01%–1.26% by balance
Credit union · 1 branch
1.06%APY$106 a year on $10,0001.00% interest rate · Effective Jan 31, 2024
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 1.01%* $10,000 – $24,999Your amount 1.06%* $25,000 – $49,999 1.11%* $50,000 – $99,999 1.16%* $100,000 and up 1.26%* Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Service charge of $5.00 is waived if balance is $50 and up. Limited to no more than 6 pre-authorized withdrawals each statement cycle.
Offer: Minimum balance to obtain the APY is $50. $5.00 service charge waived if balance is $50 and up. Interest compounded and credited monthly.
1.00% interest rate · $5 monthly fee · Effective Oct 8, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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