O Fallon, Missouri (MO) Savings Rates - March 2026
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The savings 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.
The best savings rates for O Fallon, Missouri and the surrounding area include Together Credit UnionTogether Credit Union2531 Highway K, O Fallon, MO 63368A+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY, PNC BankPNC Bank1642 Bryan Rd, O Fallon, MO 63368A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, First Community Credit UnionFirst Community Credit Union3440 Highway K, O Fallon, MO 63368 8138A+5.0 ★Texas Ratio: 3.72% Health Savings Accounts (HSA) at 3.05% APY, Vantage Credit UnionVantage Credit Union29 Ofallon Sq, O Fallon, MO 63366A5.0 ★Texas Ratio: 6.30% Regular/Special Savings at 0.75% APY, and HomeBankHomeBank2183 W Terra Ln, O Fallon, MO 63366A+5.0 ★Texas Ratio: 0.58% SUMMER SAVINGS at 0.65% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in O Fallon, Missouri, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in O Fallon, Missouri (MO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in O Fallon, Missouri and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in O Fallon, Missouri & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1642 Bryan Rd, O Fallon, MO 63368
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Health Savings Accounts (HSA)
3.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Earn & Learn Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $2,500.00
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Regular/Special Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
IRA Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
SUMMER SAVINGS
0.65%
$5
▼
Rate0.65%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
SUPREME SAVINGS
0.55%
$500
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
9957 Winghaven Blvd, O Fallon, MO 63368
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bank of Old Monroe
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
401 T R Hughes Blvd, O Fallon, MO 63366
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Regular/Special Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
HEALTH SAVINGS ACCOUNT
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Regular/Special Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
IRA Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
BASIC SAVINGS
0.40%
$50
▼
Rate0.40%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
HEALTH SAVINGS ACCOUNT
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
IRA Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Regular/Special Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Business Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Business Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Secondary Share
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Share Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Holiday Club Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Variable Savings
0.25%
$0
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
IRA Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO 63366
Regular/Special Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
4521 State Hwy K, O Fallon, MO 63368
Christmas Club Savings
0.25%
$0
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2183 W Terra Ln, O Fallon, MO 63366
HEALTH SAVINGS ACCOUNT
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Holiday Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Financial Youth Group Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Multiple Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Young Adult Financial Group Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Junior Account Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Franklin Jr. Savings (Kids Acct)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Freedom Savings (Personal)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4190 Highway K, O Fallon, MO 63368
Retail Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
Business Growth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Franklin County
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
100 Christina Marie Dr, O Fallon, MO 63368
BFC Premier Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Health Savings (HSA)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Holiday/Vacation Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Kids Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO 63368 8294
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO 63366 2912
Basic Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1642 Bryan Rd, O Fallon, MO 63368
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1642 Bryan Rd, O Fallon, MO 63368
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
9957 Winghaven Blvd, O Fallon, MO 63368
UMB Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
101 E Elm St, O Fallon, MO 63366
myRewards Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804
SMART Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,000.00
Midwest BankCentre
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2191 Lemay Ferry Rd, Lemay, MO 63125
Youth Savings
5.01%
$0
▼
Rate4.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Kid's Club Savings
5.01%
$0
▼
Rate4.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $500.00
Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
408 W Washington St, Cuba, MO 65453
Super Saver Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
For ages 12 & under with 5% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
Grow Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
109 East St, Clarence, MO 63437
Neighbors Savings Account
4.20%
$0
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $250,000.00
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
804 W Us Highway 50, O Fallon, IL 62269
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO 64155
eSavings
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
Investment Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1 Montgomery Bank Plaza St, Sikeston, MO 63801
Montgomery eGold Savings Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $50,000.00
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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.
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 Savings Rate Trends
Compare local O Fallon, MO savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MO Avg
1.195%
▼ 1.464 from last week
Missouri high-yield savings rates fell 1.464 points this week to 1.195% APY, down from 2.659% last week.
Standard Savings — MO Avg
0.640%
▼ 0.021 from last week
Missouri standard savings rates fell 0.021 points this week to 0.640% APY, down from 0.662% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 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 O Fallon, 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 O Fallon, Missouri
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Missouri, help your money grow faster through a higher APY.
Are savings 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 savings rates change in O Fallon, Missouri?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in O Fallon, Missouri may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in O Fallon, Missouri?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in O Fallon, Missouri offer in-person customer service, which some customers prefer.
How do I open a savings account in O Fallon, Missouri?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in O Fallon, Missouri
Here are recent savings rates observed in O Fallon, Missouri and the surrounding area:
- Together Credit Union
Accelerate It Savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - First Community Credit Union
Health Savings Accounts (HSA) — 3.05% APY - Vantage Credit Union
Regular/Special Savings — 0.75% APY - HomeBank
SUMMER SAVINGS — 0.65% APY
Savings 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: March 25, 2026
