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Best Money Market Rates in O Fallon, Missouri (MO) - May 2026

Content reviewed by
Brian McKay Brian McKay
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Editorial Disclosure The 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.
| ✓Fact Checked | Last Updated: May 15, 2026

Current O Fallon, Missouri and the surrounding area money market deposit account rates include Together Credit UnionTogether Credit Union2531 Highway K, O Fallon, MO 63368A+5.0 ★Texas Ratio: 5.65% Money Market at 3.50% APY, Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MO1051 Highway K, O Fallon, MO 63366 2912A+5.0 ★Texas Ratio: 4.34% Money Market at 3.00% APY, West Community Credit UnionWest Community Credit Union4161 Highway K, O Fallon, MO 63368 8294A5.0 ★Texas Ratio: 11.50% Money Market Plus at 2.50% APY, Vantage Credit UnionVantage Credit Union29 Ofallon Sq, O Fallon, MO 63366A5.0 ★Texas Ratio: 6.30% Money Market at 2.25% APY, and Bank of Old MonroeBank of Old Monroe401 T R Hughes Blvd, O Fallon, MO 63366A+5.0 ★Texas Ratio: 0.14% Money Market at 2.02% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.

O Fallon has 8 local institutions in our database, with money market rates as high as 3.50% APY from Together Credit Union at 2531 Highway K, O Fallon, MO 63368. 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 O Fallon, Missouri and surrounding area. Last Updated and Verified: May 15, 2026

Compare the Best Money Market Rates Today in O Fallon, Missouri & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
2.80%
$0
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.50%
$0
View
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
2.40%
$0
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Money Market
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.77%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.56%
$0
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.56%
$0
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.56%
$0
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market (IRA)
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Based on average daily balance

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Based on average daily balance

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Money Market
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.46%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.36%
$0
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.36%
$0
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account 1
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.75%
$0
View
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.65%
$0
View
▼
Rate0.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Old Monroe
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
0.45%
$2,500
View
▼
Rate0.45%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.35%
$0
View
▼
Rate0.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Money Market (Commercial)
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Patriot Money Market (Personal)
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
MONEY MARKET
0.30%
$2,500
View
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Money Market
0.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.25%
$0
View
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
0.16%
$0
View
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
0.13%
$0
View
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Patriot Money Market (Personal)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Bank of Franklin County
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Money Market (Commercial)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Money Market Accounts
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.82%
$0
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Premier Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

introductory rate

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Elite Money Market
3.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Balances below $200,000 accrue at a rate of 0.35% APY*

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.50%
$50,000
View
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedMay 15, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.25%
$25,000
View
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedMay 15, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
BUSINESS PINNACLE MONEY MARKET
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Bank Northwest
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
PINNACLE MONEY MARKET
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Min $2500

Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Earn up to 3.00% APY with tiered rates; Make up to 20 debits per month

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Personal Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Bank 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
MONEY MARKET and up
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

$250,000.00

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. Rates reflect recent market quotes and representative offers available to depositors in O Fallon, Missouri and the surrounding area.

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.

O Fallon, MO Money Market Rate Trends

Compare local O Fallon, 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.

View Full Missouri MMA Trends →
High-Yield MMA — MO Avg
3.262%
Unchanged vs 7 days ago

Missouri high-yield MMA rates currently average 3.262% APY.

Standard MMA — MO Avg
0.694%
Unchanged vs 7 days ago

Missouri standard MMA rates currently average 0.694% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our O Fallon, 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 O Fallon, 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 O Fallon, 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 O Fallon, Missouri

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Missouri.

Are Money Market accounts in O Fallon, 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 MMA rates change in O Fallon, Missouri?

Money market 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.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in O Fallon, Missouri?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in O Fallon, Missouri require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in O Fallon, Missouri

Here are some of the highest money market account APYs currently available in O Fallon, Missouri and the surrounding area:
  • Together Credit Union
    Money Market — 3.50% APY
  • Alliance Credit Union Fenton, MO
    Money Market — 3.00% APY
  • West Community Credit Union
    Money Market Plus — 2.50% APY
  • Vantage Credit Union
    Money Market — 2.25% APY
  • Bank of Old Monroe
    Money Market — 2.02% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in O Fallon, Missouri. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026

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