Best Money Market Rates in O Fallon, Missouri - July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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.
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: 5.30% Money Market Account at 3.50% APY, West Community Credit UnionWest Community Credit Union4161 Highway K, O Fallon, MO 63368 8294A5.0 ★Texas Ratio: 10.68% Money Market Plus at 2.50% APY, 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, Lindell Bank & Trust CompanyLindell Bank & Trust Company4521 State Hwy K, O Fallon, MO 63368A+5.0 ★Texas Ratio: 1.64% Money Market Accounts at 1.50% APY, and HomeBankHomeBank2183 W Terra Ln, O Fallon, MO 63366A+5.0 ★Texas Ratio: 0.58% Business Money Market at 1.16% APY. Money market rates as of July 6, 2026 according to verified data from MonitorBankRates.
O Fallon has 6 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: July 6, 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: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Select Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New money only
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Money Market Plus
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$250,000 & above
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$100,000 - $249,999
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Select Money Market (IRA)
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Based on average daily balance
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000 - $99,999
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
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Business Money Market Account
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$25,000 - $49,999
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000 - $24,999
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2531 Highway K, O Fallon, MO 63368
Money Market Account
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Min. $1,000 - $9,9991
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
Business Money Market
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO 63368 8294
Business Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
▼
Rate0.45%
Min Deposit$2,500
Min Balance—
UpdatedJul 5, 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
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 22, 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
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 22, 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
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJul 5, 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
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedJul 5, 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
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 22, 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
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 22, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Multipli Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Platinum Money Market
3.96%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balances Above $100,000; Limit 1 withdrawal per month
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
introductory rate
Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Balance: $150,000.00 and above
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special Intro rate
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$15,000+
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Balances below $200,000 accrue at a rate of 0.35% APY*. Rates may change after account opening. Other fees may apply: Consult an Account Specialist at your local branch for more details. Fees could reduce earnings a on the account.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.50%
$50,000
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedJul 5, 2026
Details
Sullivan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
Premium Money Market
3.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Balances below $10,000 accrue at a rate of 0.05% APY. Rates may change after account opening. 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. Other fees may apply and could reduce earnings on the account. Consult an Account Specialist for more details.
Heritage Bank of the Ozarks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premium Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Balance: $2,500.00 - $149,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
View All High-Yield Options
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Prime Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Money Market (Premium Coverage)
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market Account Specials
3.25%
$25,000
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedJul 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Money Market (Premium Coverage)
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY for 6 months
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY is variable and subject to change at our discretion, without prior notice. Fees could reduce the earnings on the account.
Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Money Market Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
$250,000.00 and up
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Earn up to 3.00% APY with tiered rates; Make up to 20 debits per month
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Money Market (Premium Coverage)
2.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Daily Balance $250,000.00 and up
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
$100,000-$249,999.99
Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Money Market Accounts
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.73%
$0
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balance of more than $500,000
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.68%
$0
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Money Market (Premium Coverage)
2.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Money Market Accounts
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
$50,000.00-$99,999.99
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Super Money Market Account (Super MMA)
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Smart Savers (Money Market)
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
BluCurrent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Money Market (Premium Coverage)
2.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Money Market
2.25%
$150,000
▼
Rate—
Min Deposit$150,000
Min Balance—
UpdatedJun 26, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Premier Money Market Account
2.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
ADVANTAGE Business Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
1st Advantage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
ADVANTAGE Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
$25,000.00-$49,999.99
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedJul 5, 2026
Details
Senath State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Money Market Account
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 5, 2026
Details
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Business Money Market Tier 5
1.76%
$1,000
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
$250,000.00-$9,999,999.99
Powered by
MonitorBankRates
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.
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.
High-Yield MMA — MO Avg
3.326%
▲ 0.008 vs 7 days ago
Missouri high-yield MMA rates rose 0.008 points over the past 7 days to 3.326% APY.
Standard MMA — MO Avg
0.661%
▲ 0.010 vs 7 days ago
Missouri standard MMA rates rose 0.010 points over the past 7 days to 0.661% APY.
As of Jul 6, 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 Account — 3.50% APY - West Community Credit Union
Money Market Plus — 2.50% APY - Bank of Old Monroe
Money Market — 2.02% APY - Lindell Bank & Trust Company
Money Market Accounts — 1.50% APY - HomeBank
Business Money Market — 1.16% 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: July 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking