Lake Saint Louis, Missouri Savings Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Lake Saint Louis, Missouri savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Lake Saint Louis, Missouri and the surrounding area include First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO10710 Veterans Memorial Pkwy, Lake Saint Louis, MO 63367A+5.0 ★Texas Ratio: 2.49%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 26, 2026 Kids Cash Savings at 4.00% APY, US BankUS Bank#1 Lake St Louis Boulevard, Lake Saint Louis, MO 63367A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Bank Smartly Savings Account at 3.50% APY, First Community Credit UnionFirst Community Credit Union6100 Ronald Reagan Dr, Lake Saint Louis, MO 63367 2660A+5.0 ★Texas Ratio: 3.75%Real return: -0.65%APY minus 3.7% CPIRate verified Oct 30, 2026 Health Savings Accounts (HSA) at 3.05% APY, FSB of St. Charles, MOFSB of St. Charles, MO3461 Technology Dr, Lake Saint Louis, MO 63367A+5.0 ★Texas Ratio: 2.35%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 31, 2026 Health Savings Accounts at 2.00% APY, and First Mid Bank & TrustFirst Mid Bank & Trust460 Hawk Ridge Trl, Lake Saint Louis, MO 63367A+5.0 ★Texas Ratio: 3.88%Real return: -3.65%APY minus 3.7% CPIRate verified Oct 31, 2026 Business Savings Account at 0.05% APY.
Lake Saint Louis has 22 local institutions in our database, with savings rates as high as 4.00% APY from First Bank Creve Coeur, MO at 10710 Veterans Memorial Pkwy, Lake Saint Louis, MO 63367. 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 Lake Saint Louis, Missouri and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Lake Saint Louis, Missouri & Surrounding Communities
Balance: $.01 - $500.00; In-Branch Only
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Compounding and crediting: Monthly; b. Rate only available for Health Savings Account contributions.
Balance: $25,000+; Monthly Service Fee: $2
- Oct 26, 20262.00%▲ from 1.05%
- Sep 7, 20261.05%first recorded
Balance: $10,000 - $24,999; Monthly Service Fee: $2
- Oct 26, 20261.90%▲ from 0.90%
- Sep 27, 20260.90%first recorded
Balance: $2,500 - $9,999; Monthly Service Fee: $2
- Oct 26, 20261.80%▲ from 0.80%
- Sep 27, 20260.80%▲ from 0.50%
- Sep 7, 20260.50%first recorded
Balance: Under $2,500; Monthly Service Fee: $2
- Oct 31, 20261.49%▼ from 1.50%
- Oct 26, 20261.50%▲ from 0.50%
- Oct 14, 20260.50%first recorded
Monthly Service Fee: $0 ($5 if balance falls below $250); service charges based on lowest monthly balance; All products and services subject to approval; rates may change after account is opened
Monthly Service Fee: $0 ($4 if balance falls below $300)
Monthly Service Fee: $0; service charges based on lowest monthly balance; All products and services subject to approval; rates may change after account is opened
Monthly Service Fee: $0 ($4 if balance falls below $200); service charges based on lowest monthly balance; All products and services subject to approval; rates may change after account is opened
Compounding and crediting: Quarterly; a. The APY is the anticipated APY for the quarter.
Compounding and crediting: Quarterly; a. The APY is the anticipated APY for the quarter.
Compounding and crediting: Quarterly; a. The APY is the anticipated APY for the quarter.
Balance: $0 or more
Balance: $0 or more
Balance: $.01 - $4,999.99; In-Branch Only
Business Savings & Money Market Accounts
Balance: $500.01 or more; In-Branch Only
In-Branch Only
Balance: $1 - $1,000; Qualifying balance up to $1,000.00
Ages: 0-12; Balance: $0.00 - $500.00; The first $500 on deposit will earn 9.57% interest for an APY of 10.00%; All funds above $500 earn the same rate as a regular savings account; Receive $1 for every A or B on semester report card; Maximum payout $25/year per youth account; Only two report cards per school year per account; Open at any branch
Balance: $0 - $1,000
- Oct 26, 20268.25%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Rates effective as of 10/01/2026
Advertised as up to 5.09% APY; APY paid on balance up to $1,000; competitive rate on higher balance; Available as Savings/Checking/IRA/HSA
Balance: $0.01 - $1,000.00; Apply in branch; Limited to one Youth Savings account per child; converts to Statement Savings at age 17
Balance: $0 - $500.00
Debit Card: Yes; For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
Featured on CD page savings accounts section
Balance: $0 - $15,000.00
Balance: $0 - $10,000.00; Dividends compounded monthly; Qualifications, limits, and other requirements apply
Ages: 12 & under; includes a superhero cape and mask
Balance: $0 - $2,499.99; Requires a $25 deposit to open; Account requires an active consumer checking account
Balance: $100.00 - $5,000.99; APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; requires open checking account under the same membership number; must be 22 years or older; one per Social Security or Taxpayer Identification Number; rates subject to change without notice after account opening
Qualifications Required; Balance: $1.00 - $2,500.00; Balances up to $2,500 earn first tier APY; Dividend Rate 4.89%; Consumer accounts only; Limit one High Interest Savings or Delta Savings account per member
Balance: $0.00 - $250,000.00; Qualifying balance up to $250,000.00; Rate effective 09-25-2026; Balances over $250,000 earn 0.05% APY and may not be FDIC insured
New account APY on all balances; interest compounded daily; no monthly maintenance fee; no minimum balance required; variable rate, APY may change without notice; available exclusively online and by phone
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Deposits and withdrawals comply with Federal Regulations (footnote ***)
- Oct 9, 20264.18%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Balance: $1,000,000+
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Interest Credited: Monthly; FDIC Insured: Yes; Account Maximum: $500,000; Annual percentage yield (APY) effective 10/19/2026
Balance: $2,000.00 - $20,000.00; balance above $20,000.00 will not earn a dividend
Balance: All Balances; Eligibility: requires a customer who has previously held a Believe Savings account with Believe Bank
Earn Up To 3.50% APR On Saved Funds (page labels this rate APR); $2,000 minimum deposit / $20,000 maximum deposit; Funds over $20,000 do not earn dividends; Dividends paid monthly; Free overdraft protection
- Oct 26, 20263.50%▼ from 3.56%
- Oct 14, 20263.56%first recorded
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Balance: $0.00 - $249,999.99; Electronic statements; No monthly fee; Unlimited withdrawals
- Oct 8, 20263.30%▲ from 3.05%
- Sep 16, 20263.05%first recorded
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Balance: $1,000,000 - up; $1000 opening balance required; daily collected balance within each range required
Balance: $0 - $50,000.00
APY as of 10-01-2025; no monthly fees or minimum balance requirements
Balance: Balances up to $10,000
Balance: $0.00 - $2,500.00; Qualifying balance up to $2,500.00; Earn $5.00 quarterly with a deposit of at least $25.00; APY accurate as of 12/01/2022; no fees reduce earnings
Balance: $5.00 - $2,500.00; available to members up through age 18; APY dividend of 2.96% earned on balances $5.00-$2,500.00; balances over $2,500.00 earn 0.20% APY; Minimum Balance/Average Daily Balance: $5/$5
Balance: $5.00 - $1,000.00; Earn 3.0% APY on first $1,000; Available to members age 0-21
- Oct 5, 20263.00%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $50,000 - $999,999.99
Balance: $25,000 - $99,999.99
- Oct 20, 20262.90%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Quarter ending September 30, 2026
Balance: $1,000,000 and over; Savings & IRA
Balance: less than $25,000 daily balance; Debit Card: Yes; $0 minimum balance; No withdraw penalties; No maintenance fees
Balance: Up to $50,000.00
- Oct 14, 20262.00%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $500,000 - $999,999; Savings & IRA
Balance: above $25,000 and up to $50,000
Balance: $100,000 and over; Rates effective as of 10/01/2026
Balance: $250,000 - $499,999; Savings & IRA
Balance: $100,000 - $249,999; Savings & IRA
Balance: $25,000 - $99,999; Rates effective as of 10/01/2026
Balance: $2,500 - $24,999; Minimum average daily balance of $2,500 to earn dividends; Rates effective as of 10/01/2026
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
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.
Lake Saint Louis, MO Savings Rate Trends
Compare local Lake Saint Louis, 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 0.128 points over the past 7 days to 2.032% APY, down from 2.160%.
Missouri standard savings rates fell 0.010 points over the past 7 days to 0.393% APY, down from 0.403%.
Lake Saint Louis, 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 2.032% 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 Lake Saint Louis, Missouri.
Savings Account Earnings in Lake Saint Louis, 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 (2.032% APY) | Monthly Earnings | Standard Savings (0.393% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $101.58 / year | $8.47 | $19.67 / year | $1.64 |
| $10,000 | $203.15 / year | $16.93 | $39.33 / year | $3.28 |
| $25,000 | $507.88 / year | $42.32 | $98.33 / year | $8.19 |
| $50,000 | $1,015.75 / year | $84.65 | $196.65 / year | $16.39 |
| 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: Lake Saint Louis, Missouri savings rate averages as of October 31, 2026. | ||||
About Our Lake Saint Louis, Missouri Savings Rate Database
MonitorBankRates found 5 institutions with branches in Lake Saint Louis (4 banks, 1 credit union), plus 33 additional state-chartered and national online institutions available to Lake Saint Louis 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: First Bank Creve Coeur, MO offers a savings account at 4.00% APY. Use the rate table above to compare all current offers in Lake Saint Louis, Missouri.
How to Find the Best Savings Rates in Lake Saint Louis, Missouri
What to compare when shopping for a savings account in Lake Saint Louis, Missouri
To find the best savings APYs in Lake Saint Louis, Missouri, start with credit unions and online-only banks: Lake Saint Louis, Missouri has 18 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 2.032% but top local institutions are offering as high as 4.00%, 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. Lake Saint Louis, Missouri high-yield savings rates currently average 2.032% 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 Lake Saint Louis, Missouri institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 38 institutions in Lake Saint Louis, 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 Lake Saint Louis, Missouri CD rates
- You want check-writing flexibility Lake Saint Louis, Missouri money market rates
- You need daily transaction access Lake Saint Louis, 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 savings average of 2.032%, saving 10% of the local median salary ($4,277/year) would earn an additional $87 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lake Saint Louis, Missouri Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lake Saint Louis, Missouri.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MO Avg APY | 2.032% | 0.393% | 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 Lake Saint Louis, Missouri averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lake Saint Louis, Missouri
At MO’s top 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 Lake Saint Louis, Missouri earner is roughly $10,700. At 2.032% APY, saving $890/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 2.032% 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 Lake Saint Louis, Missouri earner makes $42,774/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.032% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.032% APY grows to roughly $37,379 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 Lake Saint Louis, 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 Lake Saint Louis, 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 Lake Saint Louis, 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 Lake Saint Louis, Missouri
What are savings account rates in Lake Saint Louis, Missouri today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lake Saint Louis, Missouri safe?
How often do savings rates change in Lake Saint Louis, 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 Lake Saint Louis, Missouri?
How do I open a savings account in Lake Saint Louis, Missouri?
Best Savings Rates in Lake Saint Louis, Missouri
- 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 - FSB of St. Charles, MO
Health Savings Accounts: 2.00% APY - First Mid Bank & Trust
Business Savings Account: 0.05% APY
Lake Saint Louis, Missouri Rates & Resources
