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 1–15 results in O'Fallon, IL
- 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 - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 1 branch
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 - Scott Credit UnionMoney Market AccountMoney Market Account · 1.80%–2.05% by balance
Credit union · 1 branch
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 - Revity Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.00% by balance
Credit union · 1 branch
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 · 1 branch
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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - 0.50%APY$50 a year on $10,000
Requirements
Product: Interest is compounded and credited quarterly. Minimum daily balance of $50 required to avoid a $5 monthly service charge. Limit of 6 withdrawals per month; excess withdrawals are $3 each. Closing fees may apply if closed within 7 months.
Offer: Applies to balances below $500. Monthly fee waived if minimum daily balance of $50 is maintained.
0.35% interest rate · $5 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for FCB Savings Account Balance APY Up to $500 0.35% $500 and upYour amount 0.50% Rate checked
More details - First National Bank of WaterlooFNB Premier MMAFNB Premier MMA · $1,000 min · 0.30%–0.40% by balance
Bank · 1 branch
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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Farmers & Merchants National BankHometown AdvantageSavings · $0 min · 0.01%–0.25% by balance
Bank · 1 branch
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 - Farmers & Merchants National BankMoney Market Deposit AccountMoney Market Deposit Account · $2,500 min · 0.20%–0.50% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Limited to 6 withdrawals a month; unlimited in person withdrawals. Interest compounds monthly. Rates may change after account is open. Fee of $12.00 per month if balance drops below $2,500.00.
Offer: Under $25,000 balance tier. Rates may change after account is open. Fees could reduce earnings on the account. Fee of $12.00 per month if balance drops below $2,500.00.
0.20% interest rate · $12 monthly fee
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Up to $25,000Your amount 0.20% $25,000 – $100,000 0.35% $100,000 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 O'Fallon, IL
21 accounts at 10 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.30%
- Top 10% from
- 1.95%
- Banks, typical
- 0.25%
- Credit unions, typical
- 1.65%
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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