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 121–135 results in St. Louis, MO-IL metro
- The Missouri BankMoney Market Demand Account Consumer (MMDA Consumer)Money Market Demand Account Consumer (MMDA Consumer) · $1,000 min
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly.
0.25% interest rate · $10 monthly fee
Rate checked
More details - The Missouri BankMoney Market Demand Account Gold (MMDA Gold)Money Market Demand Account Gold (MMDA Gold) · $1,000 min · 0.25%–1.11% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Current rate and APY are based on daily balance in account. No interest accrued if account balance falls below minimum at any time during the statement cycle.
Offer: A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum.
0.25% interest rate · $10 monthly fee · Effective Aug 22, 2025
Rate by balance
Rate by balance for Money Market Demand Account Gold (MMDA Gold) Balance APY $1,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.55% $100,000 – $200,000 1.01% $200,000 – $1,000,000 1.01% $1,000,000 and up 1.11% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Helps members save for special goals. Limited to 1 free withdrawal per quarter ($10 fee for additional withdrawals). Dividends compounded and paid quarterly.
Offer: Requires $40 minimum balance to earn dividends. Dividends compounded and paid quarterly.
No monthly fee · Effective Jul 3, 2026
Rate checked
More details - Farmers & Merchants National BankHometown AdvantageSavings · $0 min · 0.01%–0.25% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Available to personal accounts only. Rates may change after account is open.
Offer: Balance between one penny and $25,000.
0.25% interest rate
Rate by balance
Rate by balance for Hometown Advantage Balance APY Up to $25,000Your amount 0.25% Over $25,000 0.01% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Free monthly service charge with no daily balance requirement. Works with the Kids Go Green program. $100 minimum opening deposit for age 18 and older, $25 for under age 18.
Offer: Earns APY on any balance.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest is paid monthly. ATM transactions and direct ACH deposits are permitted. Monthly statements provided.
Offer: $4.00 monthly service fee waived unless account balance falls below the $300 minimum at any time during the statement cycle.
0.25% interest rate · $4 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Passbook must be present for all transactions. No EFT activity permitted, including ACH deposits, ACH payments to third parties, internet banking transfers, or other electronic activity. Interest is earned quarterly. Annual statements provided.
Offer: No daily minimum balance. No monthly service charge ($5.00 fee applies for lost passbooks). Earns quarterly interest.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings.
Offer: $3 service fee if balance falls below $100.00; $2 for each withdrawal in excess of six (6) per statement cycle
0.20% interest rate · $3 monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest compounded daily. $2 paper statement fee (eStatements are free). Quarterly statements unless combined with a Constitution Bank Checking Account or electronic transfers have occurred. For customers age 55+, paper statements and select additional services are provided without fee.
Offer: Interest compounded daily, credited monthly.
0.10% interest rate · Compounded daily · Effective Oct 16, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY $200 – $10,000 0.10% $10,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Variable rate account; the rates and APYs may change after the account is opened. $50 minimum average monthly balance to avoid a service charge. Automatic transfer option available.
Offer: Variable rate account; the rates and APYs may change after the account is opened. $50 minimum average monthly balance to avoid a service charge. Automatic transfer option available.
0.20% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: No Monthly Maintenance Fee with a $200 Minimum Average Balance. Compounded quarterly. Limited to six transfers/withdrawals per month. $20 Early Account Closing Fee if closed within 90 days of opening.
Offer: Compounded quarterly. Rates may change.
0.20% interest rate · Compounded quarterly · Effective Sep 22, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Primary membership savings account option. Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate
Rate checked
More details - Together Credit UnionAccelerate It SavingsSavings · $100 min · 0.20%–5.00% by balance
Credit union · 14 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must be 19 years of age or older (or 22 years or older per rates disclosure) and have an open checking account located under the same membership number; converts to Regular Savings if checking account is closed. One account per SSN or TIN. Membership eligibility required.
Offer: Requires open checking account under the same membership number. $100 average daily balance required for dividend/interest rate.
Qualified rate · 4.89% interest rate · Effective Jun 1, 2025
Rate by balance
Rate by balance for Accelerate It Savings Balance APY $100 – $5,001 5.00% $5,001 and upYour amount 0.20% 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 16–23
- 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
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch