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 46–60 results in St. Louis, MO-IL metro
- 1.00%APY$100 a year on $10,000
Requirements
Product: A $6.00 monthly service fee can be waived by enrolling in online statements or maintaining an average balance of $1,000. 6 free withdrawals or transfers per month, $2 per transaction thereafter. Tiered rate account; see a personal banker for additional rate tier information.
Offer: Waive $6.00 monthly service fee by enrolling in online statements or maintaining an average balance of $1,000. Tiered rate account; see a personal banker for additional rate tier information.
Balance cap $25,000 · $6 monthly fee
Rate checked
More details - 1st Advantage BankPersonal Money MarketPersonal Money Market · $1,000 min · 1.00%–2.10% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Offer: $10.00 service charge per statement cycle if the average daily ledger balance falls below $1,000.00. Must maintain a daily collected balance within range to obtain APY. If collected balance falls below $1,000 on any day, interest is not earned for that day.
1.00% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $1,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.06% $50,000 – $100,000 1.10% $100,000 – $250,000 1.30% $250,000 and up 2.10% Rate checked
More details - 1.00%APY$100 a year on $10,000
- 1.00%APY$100 a year on $10,000
- Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Vantage Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.25%–2.25% by balance
Credit union · 14 branches
1.00%APY$100 a year on $10,000Requirements
Product: Requires $1,000 minimum deposit to open. No monthly service fee with a $10,000 daily balance. Interest compounded and credited monthly. Limited monthly check writing and fund transfers. Membership eligibility required.
Offer: No monthly service fee with a $10,000 daily balance.
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.25% $10,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.50% $50,000 – $100,000 1.75% $100,000 and up 2.25% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Effective as of stated date. Rate subject to change without notice after account opening. Fees may reduce earnings. Maintain $1,000 balance to avoid $10 monthly fee.
Offer: Minimum opening deposit $1,000. Minimum balance to earn APY: Any balance.
1.00% interest rate
Rate checked
More details - Town & Country BankPREMIUM GOLD Money MarketPREMIUM GOLD Money Market · $10,000 min · 0.71%–1.42% by balance
Bank · 1 branch
0.92%APY$92 a year on $10,0000.71% interest rate · Effective Feb 3, 2023
Rate by balance
Rate by balance for PREMIUM GOLD Money Market Balance APY Up to $10,000 0.71% $10,000 – $25,000Your amount 0.92% $25,000 – $100,000 1.13% $100,000 and up 1.42% Rate checked
More details - First Federal Savings Bank of MascoutahAlumni MMDA (Money Market)Alumni MMDA (Money Market) · $10,000 min · 0.85%–3.56% by balance
Bank · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: Compounding and crediting monthly. APY shown is paid on the entire balance in the account. Rate may change after the account is opened and fees may reduce earnings.
Offer: APY shown is paid on the entire balance in the account. Rate may change after the account is opened.
0.85% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Alumni MMDA (Money Market) Balance APY $10,000 and upYour amount 0.85% $50,000 and up 2.05% $75,000 and up 2.15% $100,000 and up 2.66% $150,000 and up 2.76% $250,000 and up 2.92% $500,000 and up 3.33% $1,000,000 and up 3.56% Rate checked
More details - First Federal Savings Bank of MascoutahMMDA (Money Market)MMDA (Money Market) · $1,000 min · 0.50%–1.25% by balance
Bank · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: $10.00 service charge waived if balance is $1,000.00 and up. No more than 6 pre-authorized withdrawals each statement cycle. Interest compounded monthly and credited to account at the end of each statement cycle. Daily balance method. APY shown is paid on the entire balance in the account. Rate may change after account is opened.
Offer: Tier 1 $1,000.00 to $9,999.99. APY shown is paid on the entire balance in the account. Rate may change after the account is opened.
0.50% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 8, 2026
Rate by balance
Rate by balance for MMDA (Money Market) Balance APY $1,000 – $10,000 0.50% $10,000 – $50,000Your amount 0.85% $50,000 – $100,000 1.00% $100,000 and up 1.25% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 13 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Neighbors Credit UnionMoney MarketMoney Market · $2,000 min · 0.80%–2.25% by balance
Credit union · 8 branches
0.80%APY$80 a year on $10,000Requirements
Product: Start earning interest with just a $2,000 balance. Must open a Regular Savings Account and keep at least a $1 balance to join. Possible fees may apply if account falls below minimum balance requirement or if more than three check withdrawals per month.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $9,999 0.80% $10,000 – $24,999Your amount 0.80% $25,000 – $49,999 2.00% $50,000 – $74,999 2.00% $75,000 – $99,999 2.00% $100,000 – $149,999 2.00% $150,000 and up 2.25% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Must be linked to a High Interest Reward Checking or Cash Back Reward Checking account. To earn qualifying rate, linked checking account must satisfy monthly qualification cycle requirements (minimum 12 debit card purchases post, receive monthly e-Statements, and log into online banking at least once during cycle); otherwise earns non-qualifying rate.
Offer: Qualifying rate tier when linked checking account meets qualification cycle requirements.
Qualified rate · 0.75% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Reward Savings Balance APY Up to $15,000Your amount 0.75% Over $15,000 0.25% Rate checked
More details - Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 3 branches
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - Bank of Old MonroeMoney Market AccountMoney Market Account · $1,500 min · 0.50%–2.02% by balance
Bank · 5 branches
0.75%APY$75 a year on $10,000Requirements
Product: Requires a minimum of $1,500 to open. Limited to 6 withdrawals or transfers a month. If the balance falls below $1,000, there is an $8 monthly service charge.
Offer: If balance falls below $1,000, an $8 monthly service charge applies. Limited to 6 withdrawals or transfers per month.
0.50% interest rate · $8 monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.50% $5,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.51% $100,000 – $250,000 1.76% $250,000 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