Ellisville, Missouri Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Ellisville, Missouri savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for Ellisville, Missouri and the surrounding area include Neighbors Credit UnionNeighbors Credit Union15928 Manchester Rd, Ellisville, MO 63011A5.0 ★Texas Ratio: 7.12%Real return: +7.20%APY minus 2.8% CPI (February 2026) SMART Savings at 10.00% APY, Montgomery BankMontgomery Bank199 Clarkson Rd, Ellisville, MO 63011A+5.0 ★Texas Ratio: 3.43%Real return: +2.21%APY minus 2.8% CPI (February 2026) Kid's Club Savings at 5.01% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO15965 Manchester Rd, Ellisville, MO 63011A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kids Cash Savings at 4.00% APY, US BankUS Bank15839 Manchester Rd, Ellisville, MO 63011A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, and First Community Credit UnionFirst Community Credit Union15715 Manchester Rd, Ellisville, MO 63011 2205A+5.0 ★Texas Ratio: 3.75%Real return: +0.25%APY minus 2.8% CPI (February 2026) Health Savings Accounts (HSA) at 3.05% APY.
Ellisville has 53 local institutions in our database, with savings rates as high as 10.00% APY from Neighbors Credit Union at 15928 Manchester Rd, Ellisville, MO 63011. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Ellisville, Missouri and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in Ellisville, Missouri & Surrounding Communities
Balance: $1 - $1,000
Balance: $0 - $500.00
Balance: $.01 - $500.00
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $0 - $50,000.00
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $0 - $50,000.00
Balance: $25,000.01 - 50,000.00
Balance: $10,000.01 - 25,000.00
Balance: $100,000+
Balance: $100,000+
Balance: $100,000+
Balance: $500+
Balance: $500+
Balance: $5,000.01 - $10,000.00
Balance: $0 and up
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $20,000 - $49,999.99
Balance: $20,000 - $49,999.99
Balance: $20,000 - $49,999.99
Balance: Below $500
Balance: Below $500
Balance: $10,000 - $19,999.99
Balance: $10,000 - $19,999.99
Balance: $10,000 - $19,999.99
Balance: $0 - $9,999.99
Balance: $0 - $499.99
Balance: $0 - $499.99
Balance: $0 - $5,000.00
Balance: $0 and up
Balance: $10,000.01 - $25,000.00
Balance: $0 - $5,000.00
Must have Premier Checking Acct; Balance: $0 - $49,999
Must have Commercial/Small Business Checking Account; Balance: $0 - $49,999
Balance: $0 - $49,999
$1000.01 +
Balance: $.01 - $4,999.99
Balance If Requirements For Account Are Not Met
Balance If Requirements For Account Are Not Met
Balance: $500.01 or more
Super-high dividends paid on balances up to $1,000. Cash rewards for deposits $1-$10 awarded at different transaction intervals. Financial incentives for good grades Up to $20 each year. High dividends are paid out quarterly. Cash is awarded and electronically deposited into your child's account after their 6th, 12th, 18th and 24th in-person deposits of $5 or more. Your child can receive $1 for every 'A' or equivalent earned, up to $5 per quarter.
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account. $1 for every "A" or "B" on semester report card; Maximum payout of $25/year per youth account. Member must redeem their filled sticker card in branch. Original report card must be presented. Only two report cards can be submitted per school year, per account.
Balance: $0-$1,000
Balance: $0.01 - $1,000.00
Balance: $0 - $15,000.00
Balance: $0 - $10,000.00
For ages 12 & under with 5% APY. Includes a superhero cape and mask
Balance: $0 - $2,499.99
Balance: $1.00 - $5,000.00
Balance: $1.00 - $2,500.00
APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Balance: $100.00 - $5,000.99
- Sep 18, 20265.00%▼ from 5.00%
- Sep 14, 20265.00%first recorded
Balance: $1.00 - $2,500.00
Rate is effective as of August 31, 2023. An interest rate of .01% will be paid only for that portion of your daily balance that is greater than $1000.00. The annual percentage yield for this tier will range from 4.50% to .01%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $1,000.) Fees could reduce earnings. Rates are variable and are subject to change at the bank's discretion. Rates are calculated on a daily balance method. Limited to one Kid's Grow Savings account per child social security number. At the age of sixteen (16), the account will be converted to a Future Progressive Savings account.
Balance: $0.00 - $250,000.00
New accounts earn a 4.20 % APY on all balances. This is a variable rate account, and the APY may change without notice. Available exclusively online and by phone.
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Balances exceeding $20,000.01- 0.05%/0.05% APY. Rate is subject to change at financial institution's discretion. Fees may reduce earnings. Rate is current as of 08/20/2026. One account per customer social security number. Quarterly Statement Frequency. Interest is compounded daily, credited monthly. Limited to 4 combined total withdrawals per month Withdrawals exceeding 4 will be charged a $2.00 item fee per withdrawal over the limit allowed. *Internal transfers are not counted as a withdrawal.
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.
Ellisville, MO Savings Rate Trends
Compare local Ellisville, MO savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Missouri high-yield savings rates fell 0.017 points over the past 7 days to 2.007% APY, down from 2.025%.
Missouri standard savings rates rose 0.063 points over the past 7 days to 0.419% APY, up from 0.356%.
Ellisville, Missouri Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MO high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.007% 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 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 Ellisville, Missouri.
Savings Account Earnings in Ellisville, Missouri
Annual interest earnings at current MO average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.007% APY) | Monthly Earnings | Standard Savings (0.419% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.37 / year | $8.36 | $20.94 / year | $1.75 |
| $10,000 | $200.74 / year | $16.73 | $41.87 / year | $3.49 |
| $25,000 | $501.85 / year | $41.82 | $104.68 / year | $8.72 |
| $50,000 | $1,003.70 / year | $83.64 | $209.35 / year | $17.45 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Ellisville, Missouri savings rate averages as of October 12, 2026. | ||||
About Our Ellisville, Missouri Savings Rate Database
MonitorBankRates found 8 institutions with branches in Ellisville (5 banks, 3 credit unions), plus 19 additional state-chartered and national online institutions available to Ellisville 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 to 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: Neighbors Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Ellisville, Missouri.
How to Find the Best Savings Rates in Ellisville, Missouri
What to compare when shopping for a savings account in Ellisville, Missouri
To find the best savings APYs in Ellisville, Missouri, start with credit unions and online-only banks: Ellisville, Missouri has 13 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MO high-yield savings average is 2.007% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Ellisville, Missouri high-yield savings rates currently average 2.007% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Ellisville, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 27 institutions in Ellisville, Missouri report savings rates to our database.
- You’re among Ellisville, Missouri’s 25.9% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Ellisville, Missouri CD rates
- You want check-writing flexibility Ellisville, Missouri money market rates
- You need daily transaction access Ellisville, Missouri checking rates
Ellisville, Missouri Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
25.9% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market. At today’s MO high-yield savings average of 2.007%, saving 10% of the local median salary ($5,675/year) would earn an additional $114 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Ellisville, Missouri Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Ellisville, Missouri.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 2.007% | 0.419% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Ellisville, Missouri averages tracked in our database as of October 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Ellisville, Missouri
At MO’s top rate of 10.00% from Neighbors Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Ellisville, Missouri earner is roughly $14,200. At 2.007% APY, saving $1,180/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMissouri’s high-yield savings average is 2.007% APY, variable and always accessible. 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 Ellisville, Missouri earner makes $56,750/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.007% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.007% APY grows to roughly $37,203 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 Ellisville, Missouri savings 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 Savings Rate Data: We aggregate savings account rates for Ellisville, 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 Ellisville, 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 Ellisville, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ellisville, Missouri safe?
How often do savings rates change in Ellisville, Missouri?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Ellisville, Missouri?
How do I open a savings account in Ellisville, Missouri?
Best Savings Rates in Ellisville, Missouri
- Neighbors Credit Union
SMART Savings: 10.00% APY - Montgomery Bank
Kid's Club Savings: 5.01% APY - First Bank Creve Coeur, MO
Kids Cash Savings: 4.00% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - First Community Credit Union
Health Savings Accounts (HSA): 3.05% APY
Ellisville, Missouri Rates & Resources
