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 Jefferson County, MO · Showing Jefferson County, MO: too few institutions in Festus, 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 - Century Credit UnionPrime Money MarketPrime Money Market · $5 min · 0.30%–3.55% by balance
Credit union · 1 branch
3.55%APY$355 a year on $10,000with conditionsRequirements
Product: Requires $10,000 minimum average daily balance, ongoing direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). $5 minimum deposit to open. No monthly fee. Available to members living/working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
Offer: Applies to all balances if qualifications aren't met (earns regular savings account rate).
Qualified rate · 0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Prime Money Market Balance APY Any balance 0.30% $10,000 – $500,000Your amountInterest calculated based on average daily balance each month and paid at month-end. 3.55% $500,000 and upInterest calculated based on average daily balance each month and paid at month-end. 0.30% 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 - Century Credit UnionSmart Savers (Money Market)Smart Savers (Money Market) · $100 min · 0.30%–2.78% by balance
Credit union · 1 branch
2.43%APY$243 a year on $10,000Requirements
Product: Available to members who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO. $5 minimum deposit to open. No monthly fee. Interest calculated on average daily balance each month and paid at month-end.
Offer: Interest calculated based on average daily balance each month and paid at month-end.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Savers (Money Market) Balance APY $100 – $2,500 0.30% $2,500 – $10,000 2.32% $10,000 – $25,000Your amount 2.43% $25,000 – $50,000 2.53% $50,000 – $75,000 2.63% $75,000 – $100,000 2.73% $100,000 and up 2.78% Rate checked
More details - Members 1st Credit UnionMoney MarketMoney Market · $2,500 min · 2.43%–3.25% by balance
Credit union · 1 branch
2.43%APY$243 a year on $10,000Requirements
Product: Dividends are calculated on the average daily balance, compounded and credited monthly, and earned on the entire balance based on the tier in which average daily balance falls. Minimum $250 withdrawals/transfers.
Offer: Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $19,999Your amount 2.43% $20,000 – $49,999 2.84% $50,000 – $74,999 3.04% $75,000 and up 3.25% 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 · 4 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 - 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 - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 1 branch
1.38%APY$138 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 1.06% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 3.25% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.25% Rate checked
More details - Together Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.16%–1.66% by balance
Credit union · 1 branch
1.21%APY$121 a year on $10,000Requirements
Product: Interest compounds daily on balances of $1,000 or more and pays monthly. No monthly fee.
Offer: Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999.
1.15% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $9,999 1.16% $10,000 – $24,999Your amount 1.21% $25,000 – $49,999 1.36% $50,000 – $99,999 1.51% $100,000 – $249,999 1.56% $250,000 and up 1.66% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: A $6.00 monthly service fee can be waived by enrolling in online statements or maintaining an average balance of $1,000. 6 free withdrawals or transfers per month, $2 per transaction thereafter. Tiered rate account; see a personal banker for additional rate tier information.
Offer: Waive $6.00 monthly service fee by enrolling in online statements or maintaining an average balance of $1,000. Tiered rate account; see a personal banker for additional rate tier information.
Balance cap $25,000 · $6 monthly fee
Rate checked
More details - Vantage Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.25%–2.25% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires $1,000 minimum deposit to open. No monthly service fee with a $10,000 daily balance. Interest compounded and credited monthly. Limited monthly check writing and fund transfers. Membership eligibility required.
Offer: No monthly service fee with a $10,000 daily balance.
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.25% $10,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.50% $50,000 – $100,000 1.75% $100,000 and up 2.25% Rate checked
More details - Town & Country BankPREMIUM GOLD Money MarketPREMIUM GOLD Money Market · $10,000 min · 0.71%–1.42% by balance
Bank · 1 branch
0.92%APY$92 a year on $10,0000.71% interest rate · Effective Feb 3, 2023
Rate by balance
Rate by balance for PREMIUM GOLD Money Market Balance APY Up to $10,000 0.71% $10,000 – $25,000Your amount 0.92% $25,000 – $100,000 1.13% $100,000 and up 1.42% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 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: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
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 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Midwest BankCentrePersonal Money MarketPersonal Money Market · $1,000 min · 0.25%–1.45% by balance
Bank · 4 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
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 Jefferson County, MO
61 accounts at 23 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.33%
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