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 16–30 results in O'Fallon, MO
- 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 - Vantage Credit UnionSpecial SavingsSavings · $0 min · 0.25%–0.75% by balance
Credit union · 2 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 · 2 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 - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Offer: $4 monthly service charge waived with $200 daily minimum balance
0.30% interest rate · No monthly fee · Effective Sep 15, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership with First Community Credit Union. Must maintain a minimum balance of $1 to qualify for membership. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary account to save for a special purchase or event while keeping primary savings intact. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $3 monthly fee if balance falls below $150 minimum daily balance. Two free withdrawals per month; additional withdrawals are $1 each if balance is less than $500.
Offer: Calculated daily, compounded semi-annually. $3 monthly fee if balance falls below $150 minimum daily balance. Two free withdrawals per month, $1 each additional withdrawal if balance is less than $500.
0.25% interest rate · $3 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Tiered variable interest rates. $2,500 monthly minimum balance to avoid $10 monthly service fee. Includes 6 free electronic transfers/ACH debits/third-party checks per month; $10.00 fee per item in excess of 6.
Offer: Compounded monthly. $2,500 monthly minimum balance to avoid $10 monthly service fee.
0.00% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.35% $50,000 – $500,000 0.65% $500,000 – $1,000,000 0.75% $1,000,000 and up 1.50% 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 · 1 branch
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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Add-on account for special goals requiring an existing primary membership savings account. Membership eligibility required.
Offer: Requires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement.
0.20% interest rate · No monthly fee
Rate checked
More details - PSB BankMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.25% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A checking account that offers tiered interest and helps you earn higher interest rates as your balance increases. Fees could reduce earnings on accounts. Interest rates are subject to change.
Offer: The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
0.10% interest rate · Effective Jun 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.10% $25,000 – $49,001 0.10% $50,000 and up 0.25% Rate checked
More details - First Mid Bank & TrustMoney Market AccountMoney Market Account · $50 min · 0.05%–0.50% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
Offer: Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated).
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.20% $50,000 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, MO
54 accounts at 21 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 1.33%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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