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 76–90 results in St. Louis, MO-IL metro
- Midwest BankCentrePersonal Money MarketPersonal Money Market · $1,000 min · 0.25%–1.45% by balance
Bank · 17 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates apply to daily balances indicated. Rates are variable and may change after account opening. $1,000 minimum balance requirement.
0.25% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY $999 – $9,999 0.25% $9,999 – $24,999Your amount 0.50% $24,999 – $49,999 0.90% $49,999 – $99,999 1.35% $99,999 and up 1.45% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Interest bearing account. Limited to 6 transfers or withdrawals per statement period/month. $2 withdrawal charge applied beyond 6 transactions. $3 monthly service charge if balance falls below $100; waived for qualifying students and customers age 60 and older.
Offer: Minimum opening balance of $100. $3 service charge if balance falls below $100 during statement period (waived for qualifying students and customers age 60+). Limited to 6 transfers/withdrawals per month/statement period ($2 fee per withdrawal beyond 6).
0.50% interest rate · $3 monthly fee · Effective Jan 26, 2026
Rate checked
More details - Peoples National BankPreferred Money MarketPreferred Money Market · $1,000 min · 0.48%–0.50% by balance
Bank · 4 branches
0.49%APY$49 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. $1,000 minimum balance to receive interest.
Offer: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding.
$10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY $1,000 – $10,000 0.48% $10,000 – $25,000Your amount 0.49% $25,000 and up 0.50% Rate checked
More details - 0.42%APY$42 a year on $10,000
Requirements
Product: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance.
Offer: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance. APY based on monthly compounding.
$5 monthly fee · Effective Sep 15, 2026
Rate checked
More details - 0.40%APY$40 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$h Back checking account. Automatic transfers of rewards. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements in linked Cha-CHING Ca$h or Cha-CHING Ca$h Back account: at least 12 debit card purchases post and settle, receive eStatements, and at least 1 ACH auto debit or bill pay transaction post and settle.
Qualified rate · 0.40% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: A $3 monthly maintenance fee applies if account balance falls below the $100 minimum balance requirement.
Offer: $3 monthly service fee is avoided by maintaining a minimum balance of $100.
0.40% interest rate · $3 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Monthly balance fee of $2.00 waived if minimum balance of $50.00 is maintained each day of the month. For primary owners under 18 (or full-time students), minimum to open and earn interest is $10.00 and service charge fee is waived.
Offer: Monthly fee of $2.00 imposed if balance falls below $50.00 any day of the month.
0.40% interest rate · $2 monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: If the daily average balance for the month falls below $50,000, a $50 monthly service charge and $0.25 per debit transaction will be charged.
Offer: Compounded monthly. $50 monthly fee waived if daily average balance is at or above $50,000.
0.40% interest rate · Compounded monthly · $50 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for Premium MMDA Balance APY Up to $100,000Your amount 0.40% $100,000 – $250,000 0.45% $250,000 and up 4.00% Rate checked
More details - First National Bank of WaterlooFNB Premier MMAFNB Premier MMA · $1,000 min · 0.30%–0.40% by balance
Bank · 14 branches
0.35%APY$35 a year on $10,0000.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for FNB Premier MMA Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.35% $50,000 – $100,000 0.35% $100,000 and up 0.40% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Open with $5 deposit (membership share). No monthly maintenance fees.
Offer: Dividends are paid on Share Savings accounts with balances of $100 or more.
0.35% interest rate · No monthly fee · Effective Feb 1, 2023
Rate checked
More details - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 14 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of opening are not eligible. Must be a Missouri resident. Cannot be opened online. Opening deposit $10,000. $20 monthly service charge waived by maintaining an average daily ledger balance of $10,000 or more. $3 monthly paper statement fee avoided by enrolling in electronic statements. Up to 6 free withdrawals per monthly statement cycle ($5 per additional withdrawal). Variable rate. Must maintain a minimum balance of $2,500 in the account each day to obtain disclosed APY.
Offer: Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0.
0.00% interest rate · $20 monthly fee · Effective Nov 5, 2025
Rate by balance
Rate by balance for Consumer Premium Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.25% $10,000 – $50,000Your amountMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.35% $50,000 – $100,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.85% $100,000 – $250,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.63% $250,000 – $500,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.89% $500,000 – $1,000,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.04% $1,000,000 and upMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.56% Rate checked
More details - Vantage Credit UnionSpecial SavingsSavings · $0 min · 0.25%–0.75% by balance
Credit union · 14 branches
0.35%APY$35 a year on $10,000Requirements
Product: A dedicated account for specific goals. All members must maintain a membership share of $5 in every separate account number they own. No monthly fees with eStatements. Rates may change after account opening. Fees could reduce earnings.
Rate by balance
Rate by balance for Special Savings Balance APY Up to $500 0.25% $500 – $2,000 0.25% $2,000 – $5,000 0.25% $5,000 – $10,000 0.25% $10,000 – $20,000Your amount 0.35% $20,000 – $50,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.75% Rate checked
More details - Vantage Credit UnionRegular SavingsSavings · $0 min · 0.25%–0.75% by balance
Credit union · 14 branches
0.35%APY$35 a year on $10,000Requirements
Product: All members must maintain a membership share of $5 in every separate account number they own. No monthly fees with eStatements. Rates may change after account opening. Fees could reduce earnings.
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $500 0.25% $500 – $2,000 0.25% $2,000 – $5,000 0.25% $5,000 – $10,000 0.25% $10,000 – $20,000Your amount 0.35% $20,000 – $50,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.75% Rate checked
More details - Sullivan BankElite Money MarketElite Money Market · $2,500 min · 0.35%–3.50% by balance
Bank · 6 branches
0.35%APY$35 a year on $10,000Requirements
Offer: Balances below $200,000
Effective Jan 13, 2023
Rate by balance
Rate by balance for Elite Money Market Balance APY Up to $200,000Your amount 0.35% $200,000 and up 3.50% Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.35% $1,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.35% $50,000 – $249,999 0.40% $250,000 and up 0.50% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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