St Charles, Missouri Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current money market account rates in St Charles, Missouri range from 0.75% to 5.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current St Charles, Missouri and the surrounding area money market deposit account rates include First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO120 Jefferson St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Performance Money Market Account at 4.00% APY, FSB of St. Charles, MOFSB of St. Charles, MO206 N 5th St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.35%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Account Specials at 3.50% APY, Lindell Bank & Trust CompanyLindell Bank & Trust Company3201 N Highway 94, St Charles, MO 63301A+5.0 ★Texas Ratio: 1.91%Real return: -2.05%APY minus 2.8% CPI (February 2026) Money Market Accounts at 0.75% APY, BluCurrent Credit UnionBluCurrent Credit UnionA+5.0 ★Texas Ratio: 2.53%Real return: +2.20%APY minus 2.8% CPI (February 2026) Premium Coverage Money Markets at 5.00% APY, and Brilliant BankBrilliant BankA5.0 ★Texas Ratio: 7.53%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Money Market at 4.00% APY. Money market rates as of September 28, 2026 according to verified data from MonitorBankRates.
St Charles has 3 local institutions in our database, with money market rates as high as 4.00% APY from First Bank Creve Coeur, MO at 120 Jefferson St, St Charles, MO 63301. Use the table below to compare all available offers, including options from institutions serving the broader Missouri area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in St Charles, Missouri and surrounding area. Last Updated and Verified: September 28, 2026
Compare the Best Money Market Rates Today in St Charles, Missouri & the Surrounding Area
Balance Tier $500.01 or more. This is a variable-rate account. The APY may change any time after the account is opened. Fees may reduce earnings.
Balance Tier $1,000.01 or more. This is a variable-rate account. The APY may change any time after the account is opened. Fees may reduce earnings.
Balance: $200,000+; Monthly Service Fee: $0 ($10 if balance falls below $1,000)
Balance: $500,000 - $999,999.99; Compound Method: Monthly
Balance: $50,000 - $499,999.99; Compound Method: Monthly
Balance: $50,000 - $199,999; Monthly Service Fee: $0 ($10 if balance falls below $1,000)
- Sep 27, 20260.65%▲ from 0.60%
- Sep 7, 20260.60%first recorded
Monthly Service Fee: $0 ($10 if balance falls below $1,000)
Balance: $25,000 - $49,999.99; Compound Method: Monthly
Balance: $10,000 - $24,999.99; Compound Method: Monthly
Balance: $2,500 - $9,999.99; Compound Method: Monthly
Balance: $10,000.00 - $24,999.99
Balance: $100,000.00 - $249,999.99
Balance: $.01 - $2,499.99
Balance: $1,000.00 - $9,999.99
Balance: Up to $7,500
Variable rate money market with initial Annual Percentage Yield available for new depositors only. APY accurate as of website publication and subject to change. Fees may reduce earnings.
$250,000+
- Sep 22, 20264.00%▲ from 3.96%
- Sep 18, 20263.96%first recorded
Balance: $1,000,000+
Balance: $1,500,000.00 - $99,999,999.99; Min $2500
Balance: $100,000 +
Balance: $100,000 +
Balance: $500,000 - $999,999.99
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $100,000 +
Balance: $250,000 or more; Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Introductory rate is effective for 6 months from the opening date. New money to Academy Bank required. Maximum deposit eligible for promotional rate is $3,000,000. The rate may change after the account is opened. Fees charged to the account could reduce the earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid. No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. You can receive free eStatements or $5 paper statements with this account. Closing new accounts within 90 days of opening will result in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000,000.00 - $1,499,999.99; Min $2500
Balance: $1,500,000.00 - $99,999,999.99; Min $2500
Balance: $100,000 - $249,999.99
Balance: $75,000-$99,999
Balance: $75,000-$99,999
Balance: $150,000.00 and above
Balance: $1,000,000 - $9,999,999.99
Balance: $1,000,000+
The rate varies based on the balance in the account. Balances below $200,000 accrue at a rate of 0.35% APY*. Annual Percentage Yield's are accurate as of January 13, 2023. 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.
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. Other fees may apply and could reduce earnings on the account. Consult an Account Specialist for more details.
Balance: $100,000 & above; New money only
New money only; Balance: $100,000 & above
Balance: $15,000+; $15,000+; Intro rate
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000.00 - or more
Balance: $2,500.00 - $149,999.99
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
- Sep 24, 20263.44%▲ from 3.19%
- Sep 14, 20263.19%first recorded
Balance: $500,000 - $999,999.99
Balance: $500,000 +
Balance: $250,000.00 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $25,000 +
Balance: $10,000 +
Balance: $150,000.00 - $249,999.99
Balance: $250,000 - $499,999.99
Balance: $100,000 - $249,999.99
Balance: $250,000.00 - $999,999.99; Min $2500
Balance: $1,000,000.00 - $1,499,999.99; Min $2500
APY = Annual Percentage Yield. Paid monthly.
Balance: $10,000 - $500,000
Balance: $500,000 +
Low Risk Emergency Savings; No standard term; Easy access up to 6 withdrawals per month without penalty (while keeping your required minimum balance); Continually earn interest, while keeping your liquidity; Get 50 free checks at account opening; Insured up to $2,000,000 by Excess Share Insurance Corporation (ESI); Ideal if you have exceeded your NCUA Insurance Coverage Limits.
Balance: $250,000+
Balance: $100,000.00 - $149,999.99
Balance: $50,000-$74,999
Balance: $50,000-$74,999
Balance: $750,000 and up
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. Other fees may apply and could reduce earnings on the account. Consult an Account Specialist for more details.
Balance: Minimum $10,000
Balance: $50,000.00 - $99,999.99
Balance: $75,000.00+
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $50,000.00-$74,999.99
Balance: $250,000 - $499,999.99
Balance: $500,000+
Balance: $250,000 - $499,999.99
Balance: $100,000-$249,999
Balance: $50,000 or more; Compounding and Crediting Frequency: Monthly
Balance: $100,000+
Balance: $1,000,000+
Balance: $100,000 or more
Balance: $10,000.00-$49,999.99
Balance: $100,000 - $249,999.99
Balance: $25,000 - $49,999; Compounding and Crediting Frequency: Monthly
Balance: $100,000 - $249,999
Balance: $75,000+
Balance: $100,000 - $249,999.99
Balance: $75,000 - $99,999
Balance: $2,500.00-$9,999.99
Balance: $50,000 - $99,999.99
Balance: $100,000+
Balance: $200,000-$499,999
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.
St Charles, MO Money Market Rate Trends
Compare local St Charles, 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 rose 0.013 points over the past 7 days to 3.073% APY.
Missouri standard MMA rates fell 0.004 points over the past 7 days to 0.727% APY.
St Charles, Missouri Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MO high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MO high-yield money market average of 3.073% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in St Charles, Missouri.
Money Market Account Earnings in St Charles, Missouri
Annual interest earnings at current MO average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.073% APY) | Monthly Earnings | Standard MMA (0.727% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $307.32 / year | $25.61 | $72.71 / year | $6.06 |
| $25,000 | $768.30 / year | $64.02 | $181.78 / year | $15.15 |
| $50,000 | $1,536.60 / year | $128.05 | $363.55 / year | $30.30 |
| $100,000 | $3,073.20 / year | $256.10 | $727.10 / year | $60.59 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: St Charles, Missouri money market rate averages as of September 28, 2026. | ||||
About Our St Charles, Missouri Money Market Rate Database
MonitorBankRates found 3 institutions with branches in St Charles, plus 38 additional state-chartered and national online institutions available to St Charles residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: First Bank Creve Coeur, MO offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in St Charles, Missouri.
How to Find the Best Money Market Rates in St Charles, Missouri
What to compare when shopping for a money market account in St Charles, Missouri
To find the best money market APYs in St Charles, Missouri, start with credit unions and online-only banks: St Charles, Missouri has 21 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current MO high-yield money market average is 3.073% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. St Charles, Missouri high-yield money market rates currently average 3.073% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at St Charles, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 41 institutions in St Charles, Missouri report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → St Charles, Missouri CD rates
- You don’t need check writing and want a lower minimum → St Charles, Missouri savings rates
- You need daily transaction access → St Charles, Missouri checking rates
Missouri Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MO high-yield money market average of 3.073%, saving 10% of the local median salary ($4,277/year) would earn an additional $131 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other St Charles, Missouri Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in St Charles, Missouri.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 3.073% | View Savings Rates | 0.727%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects St Charles, Missouri averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
St Charles, Missouri Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current St Charles, Missouri rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for St Charles, Missouri
At MO’s top money market rate of 4.00% from First Bank Creve Coeur, MO, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median St Charles, Missouri earner is roughly $10,700. At 3.073% APY in a money market account, saving $890/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMissouri’s high-yield money market average is 3.073% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median St Charles, Missouri earner makes $42,774/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.073% APY.
Retirement PlannerA $25,000 money market balance earning 3.073% APY grows to roughly $45,799 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St Charles, 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 St 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 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 St Charles, 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 St Charles, Missouri
What is a Money Market Account (MMA)?
Are Money Market accounts in St Charles, Missouri safe?
How often do MMA rates change in St Charles, Missouri?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in St Charles, Missouri?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in St Charles, Missouri for money market accounts?
Best Money Market Rates in St Charles, Missouri
- First Bank Creve Coeur, MO
Performance Money Market Account: 4.00% APY - FSB of St. Charles, MO
Money Market Account Specials: 3.50% APY - Lindell Bank & Trust Company
Money Market Accounts: 0.75% APY - BluCurrent Credit Union
Premium Coverage Money Markets: 5.00% APY - Brilliant Bank
Surge Money Market: 4.00% APY
St Charles, Missouri Rates & Resources
