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 St. Charles, MO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - CNB St. Louis BankForward Savings AccountSavings · $1,000 min · 0.25%–3.50% by balance
Bank · 1 branch
3.50%APY$350 a year on $10,000Requirements
Product: Available to consumer accounts only (individual, joint, trust, and UTMA). Limited to one account per primary owner. Accounts with a $0 balance for 30 days will automatically close. Does not include debit card or ATM access.
Offer: Interest accrues daily and is compounded quarterly. Rates are variable and may change after account opening.
Compounded quarterly · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Forward Savings Account Balance APY Up to $1,000,000Your amount 3.50% Over $1,000,000 0.25% Rate checked
More details - 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 - First Community Credit UnionMoney Management (Money Market)Money Management (Money Market) · $1,000 min · 2.30%–3.05% by balance
Credit union · 2 branches
2.30%APY$230 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly maintenance fee. Dividends calculated daily and paid monthly. Unlimited branch withdrawals; up to 6 free withdrawals and transactions per month (all 6 may be checks, $15 fee for more than 6 checks). Account closed if withdrawal limitations exceeded 3 times in a 12-month period. Effective March 2026, members can no longer withdraw or deposit through ATMs for this account.
Offer: Compounding and crediting frequency: Monthly.
No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Management (Money Market) Balance APY $1,000 – $24,999Your amount 2.30% $25,000 – $49,999 2.90% $50,000 and up 3.05% Rate checked
More details - Alltru Credit UnionHigh Yield Online SavingsSavings · $0 min · 0.05%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Requires an open, active checking account with at least 1 ACH deposit or withdrawal per month, consent to receive periodic statements electronically, and all transactions conducted online. Only one account per social security number.
Offer: Applies to daily balances between $0-$25,000 if qualifications are met.
Qualified rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for High Yield Online Savings Balance APY Up to $25,000Your amount 2.00% $25,000 and up 0.05% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - First State Bank of St. CharlesPersonal Money MarketPersonal Money Market · $1,000 min · 0.60%–0.85% by balance
Bank · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Effective Date: 09/15/2026. Monthly service fee is $0 ($10 if balance falls below $1,000). Rates and fees subject to change after account opening.
Offer: Monthly fee is $0 ($10 if balance falls below $1,000).
0.60% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $49,999Your amount 0.60% $50,000 – $199,999 0.65% $200,000 and up 0.85% Rate checked
More details - Midwest BankCentrePersonal Money MarketPersonal Money Market · $1,000 min · 0.25%–1.45% by balance
Bank · 1 branch
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 - 0.30%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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Requires $100 minimum opening balance and $100 monthly minimum balance. Subject to monthly maintenance fee if minimum balance falls below $100.
Offer: Monthly maintenance fee assessed if minimum balance dips below $100.
0.30% interest rate
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
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. Charles, MO
43 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- 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