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M1 Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.m1.bank
314-721-2265
112 S Hanley Rd
Clayton, MO 63105

M1 Bank is headquartered in CLAYTON and is the 32nd largest bank in the state of Missouri. It is also the 923rd largest bank in the nation. It was established in 1911 and as of March of 2025, it had grown to 42 employees at 2 locations. M1 Bank's savings rates are 8X the national average, and it has an A health rating.

Reviews (1)

MUST APPLY IN-PERSON AT A BRANCH

Posted by: |

As of 3-15-2024-
one can only open an account in-person, at a branch. NOT POSSIBLE TO OPEN ONLINE. Despite offering 10-MONTH CD AT 5.75% APY this "bank" isn't yet ready for the modern age.

12


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9797
Year Established1911
Employees42
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD16.33%
Annual Interest Income$20MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.14B$1.11B
LoansQ1 2025vs Q1 2024$925.1MM$907MM
DepositsQ1 2025vs Q1 2024$1.01B$1B
Equity CapitalQ1 2025vs Q1 2024$114.9MM$97.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$12.8MM$7.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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M1 Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$5k-Preferred Savings

M1 Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$1k-7 Month CD
4.40%$1k-Business 7 Month CD
4.30%$1k-10 Month CD
4.30%$1k-Business 10 Month CD
Locations


M1 Bank Locations
The Bank Of Macks Creek112 S Hanley RdClayton, MO 63105
M1 Bank11697 Manchester RoadDes Peres, MO 63131

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