Saint Charles, Missouri (MO) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Saint Charles, Missouri and the surrounding area include Midwest BankCentreMidwest BankCentre1820 S 1st Capitol Dr, Saint Charles, MO 63303A+5.0 ★Texas Ratio: 4.44% Youth Savings at 5.01% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO2021 Zumbehl Rd, Saint Charles, MO 63303A+5.0 ★Texas Ratio: 1.54% Kids Cash Savings at 4.00% APY, First Community Credit UnionFirst Community Credit Union2651 Old Muegge Rd, Saint Charles, MO 63303 3009A+5.0 ★Texas Ratio: 3.72% Health Savings Accounts (HSA) at 3.05% APY, FSB of St. Charles, MOFSB of St. Charles, MO1501 S Old Highway 94, Saint Charles, MO 63303A+5.0 ★Texas Ratio: 1.28% Health Savings Account at 1.05% APY, and Vantage Credit UnionVantage Credit Union19 Research Park Ct, Saint Charles, MO 63304 5616A5.0 ★Texas Ratio: 6.30% Regular/Special Savings at 0.75% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saint Charles, Missouri, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Saint Charles, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saint Charles, Missouri and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Saint Charles, Missouri & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1820 S 1st Capitol Dr, Saint Charles, MO 63303
Youth Savings
5.01%
$0
▼
Rate4.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2021 Zumbehl Rd, Saint Charles, MO 63303
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2651 Old Muegge Rd, Saint Charles, MO 63303 3009
Health Savings Accounts (HSA)
3.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2021 Zumbehl Rd, Saint Charles, MO 63303
Icon High-Yield Savings
2.75%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Health Savings Account
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Health Savings Account
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Health Savings Account
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Regular/Special Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
IRA Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
IRA Savings
0.70%
$100
▼
Rate0.70%
Min Deposit$100
Min Balance—
UpdatedMar 23, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Regular/Special Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
IRA Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Regular/Special Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
IRA Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Regular/Special Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1820 S 1st Capitol Dr, Saint Charles, MO 63303
Statement Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Corporate Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 23, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Next Generation Savings
0.30%
$75
▼
Rate0.30%
Min Deposit$75
Min Balance—
UpdatedMar 23, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1501 S Old Highway 94, Saint Charles, MO 63303
Regular Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 23, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2651 Old Muegge Rd, Saint Charles, MO 63303 3009
Share Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Regular/Special Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
IRA Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
19 Research Park Ct, Saint Charles, MO 63304 5616
Holiday Club Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2651 Old Muegge Rd, Saint Charles, MO 63303 3009
Secondary Share
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
2651 Old Muegge Rd, Saint Charles, MO 63303 3009
Business Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1820 S 1st Capitol Dr, Saint Charles, MO 63303
Youth Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1001 S 5th St, Saint Charles, MO 63301
Retail Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2021 Zumbehl Rd, Saint Charles, MO 63303
Health Savings Account
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2021 Zumbehl Rd, Saint Charles, MO 63303
Statement Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6271 Mid Rivers Mall Dr, Saint Charles, MO 63304
myRewards Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2021 Zumbehl Rd, Saint Charles, MO 63303
Thrive Credit Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
SMART Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,000.00
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Hero Savings
5.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $15,000. Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
High-Rate Savings
5.01%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Kid's Club Savings
5.01%
$0
▼
Rate4.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $500.00
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO 65473
Share Savings Account
5.01%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $10,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
6390 N Cosby Ave, Kansas City, MO 64151
High Interest Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
Grow Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
408 W Washington St, Cuba, MO 65453
Super Saver Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
For ages 12 & under with 5% APY
Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
109 East St, Clarence, MO 63437
Neighbors Savings Account
4.20%
$0
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $250,000.00
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO 65109 0580
IRA Savings
4.11%
$0
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
211 N Broadway, Saint Louis, MO 63102
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO 64155
eSavings
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3879 E Main St, Saint Charles, IL 60174
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
Investment Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Montgomery eGold Savings Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $50,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Earn & Learn Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $2,500.00
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
318 W Main St, Sullivan, MO 63080
Cash Rewards with Savings Rewards
3.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $10,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO 63043
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
305 W Mount Vernon St, Nixa, MO 65714
Platinum Savings
2.63%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
Health Savings (HSA)
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
UTMA Custodial Savings
2.52%
$100
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO 65218
Regular Share Account
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Quarter ending December 31, 2025
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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 Charles, MO Savings Rate Trends
Compare local Saint Charles, MO savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MO Avg
1.195%
▲ 0.995 from last week
Missouri high-yield savings rates rose 0.995 points this week to 1.195% APY, up from 0.200% last week.
Standard Savings — MO Avg
0.642%
▲ 0.295 from last week
Missouri standard savings rates rose 0.295 points this week to 0.642% APY, up from 0.347% last week.
As of Mar 27, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saint Charles, 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 savings 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 Charles, Missouri. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Saint Charles, Missouri
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Missouri, help your money grow faster through a higher APY.
Are savings accounts in Saint Charles, Missouri safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Missouri up to $250,000 per depositor, per institution.
How often do savings rates change in Saint Charles, Missouri?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Missouri rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Saint Charles, Missouri may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Saint Charles, Missouri?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saint Charles, Missouri offer in-person customer service, which some customers prefer.
How do I open a savings account in Saint Charles, Missouri?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Saint Charles, Missouri
Here are recent savings rates observed in Saint Charles, Missouri and the surrounding area:
- Midwest BankCentre
Youth Savings — 5.01% APY - First Bank Creve Coeur, MO
Kids Cash Savings — 4.00% APY - First Community Credit Union
Health Savings Accounts (HSA) — 3.05% APY - FSB of St. Charles, MO
Health Savings Account — 1.05% APY - Vantage Credit Union
Regular/Special Savings — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saint Charles, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
