Florissant, Missouri Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Florissant, Missouri savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Florissant, Missouri and the surrounding area include Neighbors Credit UnionNeighbors Credit Union11899 New Halls Ferry Rd, Florissant, MO 63033 6926A5.0 ★Texas Ratio: 7.12%Real return: +7.20%APY minus 2.8% CPI (February 2026) SMART Savings at 10.00% APY, Alltru Federal Credit UnionAlltru Federal Credit Union3240 N Highway 67, Florissant, MO 63033A-4.9 ★Texas Ratio: 16.06%Real return: +2.21%APY minus 2.8% CPI (February 2026) Cubby Youth Savings at 5.01% APY, Together Credit UnionTogether Credit Union1075 N HIGHWAY 67 St, Florissant, MO 63031 4749A+5.0 ★Texas Ratio: 4.25%Real return: +2.20%APY minus 2.8% CPI (February 2026) Accelerate It Savings at 5.00% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO1281 Graham Rd, Florissant, MO 63031A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kids Cash Savings at 4.00% APY, and US BankUS Bank1000 N Highway 67 St, Florissant, MO 63031A+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.
Florissant has 51 local institutions in our database, with savings rates as high as 10.00% APY from Neighbors Credit Union at 11899 New Halls Ferry Rd, Florissant, MO 63033 6926. 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 Florissant, Missouri and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Florissant, Missouri & Surrounding Communities
Balance: $1 - $1,000; Qualifying balance up to $1,000.00
Debit Card: Yes; For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
Featured rate in Alltru Savings Accounts section on Money Market page
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Balance: $.01 - $500.00
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Compounding and Crediting Frequency: Monthly; Rate only available for Health Savings Account contributions.
Earn and Learn available to members up through age 18; APY dividend of 2.96% on balances $5.00-$2,500.00; Balances over $2,500.00 earn APY 0.20%; Minimum Balance/Average Daily Balance: $5/$5
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Minimum balance to obtain stated APY is $5.00; Rate only valid on Savings accounts that adhere to the requirements of the Missouri Transfers to Minors Law
Qualifications Required; Balance: $0 - $50,000.00
Balance: less than $25,000 daily balance; $0 minimum balance; No withdraw penalties; No maintenance fees
Average Daily Collected Balance: $10,000.00 and over
No minimum balance required; Beneficial tax benefits; A competitive dividend rate; Flexibility as a Traditional or Roth
Balance: $100,000+
Balance: $100,000+
Balance: $100,000+
Average Daily Collected Balance: $0 - $9,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: All Balances
Balance: $25,001.00 and over
Balance: $25,001.00 and over
Balance: $25,001.00 and over
Balance: $20,000 - $49,999.99
Balance: $20,000 - $49,999.99
Balance: $20,000 - $49,999.99
Balance: $10,001.00 to $25,000.99
Balance: 10,001.00 to $25,000.99
Balance: $10,001.00 to $25,000.99
Balance: $10,000 - $19,999.99
Balance: $10,000 - $19,999.99
Balance: $10,000 - $19,999.99
Balance: Up to to $10,000.99
Balance: Up to $10,000.99
Balance: Up to $10,000.99
Min. Balance/Average Daily Balance: $5/$100
Compounding and Crediting Frequency: Quarterly; The APY is the anticipated APY for the quarter.
Compounding and Crediting Frequency: Quarterly; The APY is the anticipated APY for the quarter.
Compounding and Crediting Frequency: Quarterly; The APY is the anticipated APY for the quarter.
Balance: $0 - $9,999.99
Balance: $.01 - $4,999.99
Balance: $500.01 or more
Balance: $0.01 - $1,000.00; Qualifying balance up to $1,000.00
Balance: $0 - $500.00
Ages: 12 & under; Includes a superhero cape and mask
Balance: $0 - $2,499.99
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 account APY only; variable rate account, APY may change without notice; interest compounded daily; no monthly maintenance fee; no minimum balance required; available exclusively online and by phone
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Balance: $1,000 - 20,000; Rate is subject to change at financial institution's discretion; $1,000 minimum balance to obtain APY; Statement Frequency: Quarterly
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Interest Credited: Monthly; FDIC Insured: Yes; Account Maximum: $500,000; APY effective 10/13/2026; Restrictions may apply
Balance: Balances Through $249,999.99; Minimum opening deposit $10; No minimum balance
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $5MM and over; Tiered rate account, minimum balance of $100,000 required to obtain the premium APY
Balance: $1,000,000 and over
Balance: $0 - $50,000.00
APY accurate as of 10-01-2025; Minimum Balance for APY: $0.01; Online Only
Qualified; Balance: up to $10,000.00; Qualifying balance up to $10,000
Balance: $25,000 - $99,999.99; Tiered rate account, minimum balance of $100,000 required to obtain the premium APY
Balance: up to $1,499,999; Interest compounded daily and paid monthly; $0.01 minimum monthly balance requirement; No maintenance fees; $30 account closure fee if closed within 90 days; Online Only
Variable rate; interest credited annually; interest paid if club paid via Direct Deposit; Rates effective as of 10/14/2025
Balance: $500,000 - $999,999.99
Qualifications Required: Qualifications Met*; Qualifications Met*; Balance: $0.01-$25,000
Balance: $0 - $50,000.00
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.
Florissant, MO Savings Rate Trends
Compare local Florissant, 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 0.021 points over the past 7 days to 2.003% APY, down from 2.024%.
Missouri standard savings rates rose 0.046 points over the past 7 days to 0.416% APY, up from 0.369%.
Florissant, 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 2.003% 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 Florissant, Missouri.
Savings Account Earnings in Florissant, 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 (2.003% APY) | Monthly Earnings | Standard Savings (0.416% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $100.15 / year | $8.35 | $20.79 / year | $1.73 |
| $10,000 | $200.29 / year | $16.69 | $41.58 / year | $3.47 |
| $25,000 | $500.72 / year | $41.73 | $103.95 / year | $8.66 |
| $50,000 | $1,001.45 / year | $83.45 | $207.90 / year | $17.33 |
| 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: Florissant, Missouri savings rate averages as of October 14, 2026. | ||||
About Our Florissant, Missouri Savings Rate Database
MonitorBankRates found 10 institutions with branches in Florissant (4 banks, 6 credit unions), plus 19 additional state-chartered and national online institutions available to Florissant 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 Florissant, Missouri.
How to Find the Best Savings Rates in Florissant, Missouri
What to compare when shopping for a savings account in Florissant, Missouri
To find the best savings APYs in Florissant, Missouri, start with credit unions and online-only banks: Florissant, Missouri has 6 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 2.003% 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. Florissant, Missouri high-yield savings rates currently average 2.003% 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 Florissant, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 29 institutions in Florissant, Missouri report savings 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 Florissant, Missouri CD rates
- You want check-writing flexibility Florissant, Missouri money market rates
- You need daily transaction access Florissant, Missouri checking rates
Florissant, Missouri Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
16.1% of residents are 65 or older, below the national average of 17.3%. At today’s MO high-yield savings average of 2.003%, saving 10% of the local median salary ($4,002/year) would earn an additional $80 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Florissant, Missouri Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Florissant, Missouri.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 2.003% | 0.416% | 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 Florissant, Missouri averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Florissant, 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 Florissant, Missouri earner is roughly $10,000. At 2.003% APY, saving $830/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 2.003% 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 Florissant, Missouri earner makes $40,028/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.003% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.003% APY grows to roughly $37,170 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 Florissant, 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 Florissant, 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 Florissant, 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 Florissant, Missouri
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Florissant, Missouri safe?
How often do savings rates change in Florissant, 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 Florissant, Missouri?
How do I open a savings account in Florissant, Missouri?
Best Savings Rates in Florissant, Missouri
- Neighbors Credit Union
SMART Savings: 10.00% APY - Alltru Federal Credit Union
Cubby Youth Savings: 5.01% APY - Together Credit Union
Accelerate It Savings: 5.00% APY - First Bank Creve Coeur, MO
Kids Cash Savings: 4.00% APY - US Bank
Bank Smartly Savings Account: 3.50% APY
Florissant, Missouri Rates & Resources
