Best Banks & Credit Unions in O Fallon, Missouri
Banks and credit unions serving O Fallon, Missouri. Compare up to 2.50% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of O Fallon, Missouri. All rankings inherit from the Missouri state directory. Every institution listed is licensed to serve O Fallon residents and is either headquartered in Missouri or operates branches in the metro.
Top options in O Fallon
- Multipli Credit Union: 3.85% APY. 12 Month Certificate: A standard Certificate requires a $500 minimum deposit; the 6 Month pays 4.00% and the 24 Month 4.15%; rates effective 8/20/2026. Read Sep 7, 2026 on multiplicu.com. Rates as of 2026-08-20 per the page.
- Midwest BankCentre: 3.75% APY. 12-Month CD: $1,000 minimum to open and $1,000 minimum balance to earn the APY; rates effective as of 09/06/2026; read on midwestbankcentre.com/personal-banking/personal-cds. Read Sep 7, 2026 on midwestbankcentre.com. Rates as of 2026-09-06 per the page.
- First Community CU: 3.70% APY. 12-month Certificate of Deposit: $500 minimum to open; interest compounded and credited at maturity; rates accurate as of September 4, 2026. Read Sep 7, 2026 on firstcommunity.com. Rates as of 2026-09-04 per the page.
- Navy Federal Credit Union: 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
- Mazuma Credit Union: 3.60% APY. 12-month Classic CD 1 Year: Classic CD, $500 minimum deposit; the $10,000 minimum table pays 3.70% for the same 1 Year term; read on mazuma.org/certificate-of-deposit. Read Sep 7, 2026 on mazuma.org.
- Together Credit Union: 3.55% APY. 12 Month Certificate: $1,000 minimum balance / average daily balance, standard certificate table; the Gold Member Merit table (household relationship of $25,000 or more in loans and deposits) pays 3.60%; an 11 Month CD Special pays 4.25% APY, accurate as of 08/18/2026. Read Sep 7, 2026 on togethercu.org.
Other Missouri cities
See the full Missouri banks directory for every institution we've verified in the state, plus the underlying methodology.