Best Money Market Rates in Saint Louis, Missouri - July 2026
Brian McKay
Brian McKay
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Current Saint Louis, Missouri and the surrounding area money market deposit account rates include EverBankEverBank211 N Broadway, Saint Louis, MO 63102B4.5 ★Texas Ratio: 20.65% Business Money Market at 3.50% APY, Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.10% Express Money Market - New Deposits Only at 3.35% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1805 Craigshire Dr, Saint Louis, MO 63146B4.4 ★Texas Ratio: 17.71% Money Market Plus Account at 3.25% APY, Members 1st Credit Union Saint Louis, MOMembers 1st Credit Union Saint Louis, MO4702 Mattis Rd, Saint Louis, MO 63128A+5.0 ★Texas Ratio: 2.31% Money Market at 2.84% APY, and West Community Credit UnionWest Community Credit Union2345 S Brentwood Blvd, Saint Louis, MO 63144 2033A5.0 ★Texas Ratio: 10.68% Money Market Plus at 2.50% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Saint Louis has 12 local institutions in our database, with money market rates as high as 3.50% APY from EverBank at 211 N Broadway, Saint Louis, MO 63102. Use the table below to compare all available offers, including options from institutions serving the broader Missouri area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Saint Louis, Missouri and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Saint Louis, Missouri & the Surrounding Area
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Effective date 3/1/26
Effective date 3/1/26
Effective date 3/1/26
Effective date 3/1/26
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View full rate information and qualifiers. Monthly fee of $10 if balance drops below $250.
Balances Above $100,000; Limit 1 withdrawal per month
Balance range: $100,000 +
introductory rate for 6 months
This account pays 3.50% APY* for balances of $200,000 or more. The rate varies based on the balance in the account. Annual Percentage Yield's are accurate as of January 13, 2023. Rates may change after account opening.
Balances over $250,000 accrue at a rate of 3.50 % APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
Balances of $100,000 to $249,999.99 accrue at a rate of 3.25% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
$250,000.00 and up
Balances of $50,000 to $99,999.99 accrue at a rate of 3.00% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
Make up to 20 debits per month
APY is variable and subject to change at our discretion, without prior notice. Fees could reduce the earnings on the account. Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day after they are received, which may be up to 2 days earlier than the payer's scheduled payment date.
$100,000-$249,999.99
Daily Balance $250,000.00 and up
$50,000.00-$99,999.99
Balances of $10,000 to $49,999.99 accrue at a rate of 2.25% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Saint Louis, MO Money Market Rate Trends
Compare local Saint Louis, MO money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Missouri high-yield MMA rates fell 0.032 points over the past 7 days to 3.253% APY.
Missouri standard MMA rates fell 0.140 points over the past 7 days to 0.530% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Louis, Missouri money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Saint Louis, Missouri directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Louis, Missouri. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Saint Louis, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in Saint Louis, Missouri safe?
How often do MMA rates change in Saint Louis, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Saint Louis, Missouri?
Best Money Market Rates in Saint Louis, Missouri
- EverBank
Business Money Market — 3.50% APY - Neighbors Credit Union
Express Money Market - New Deposits Only — 3.35% APY - UNIFY Financial Federal Credit Union
Money Market Plus Account — 3.25% APY - Members 1st Credit Union Saint Louis, MO
Money Market — 2.84% APY - West Community Credit Union
Money Market Plus — 2.50% APY
Saint Louis, Missouri Rates & Resources
