Bank · FDIC insured
Bank of Pontiac Savings Rates
Bank of Pontiac’s best savings rate is 0.25% APY on $10,000, with its Investment Money Market. Rates checked October 16, 2026.
How Bank of Pontiac’s savings rates compare
Compared with banks and credit unions near Pontiac, IL, where Bank of Pontiac has the most branches. $10,000, best rate first.
This bank’s best
Bank of Pontiac
0.25%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $25
Investment Money Market
Top rate
Midland States Bank
1.38%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $138
2nd-highest rate
Woodforest National Bank
1.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $100
Bank of Pontiac savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Pontiac ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Investment Money Market
0.25%APY
Monthly service charge of $12 can be avoided with a $5,000 minimum balance. Free Online Banking & Bill Pay (with at least one bill payment each month; inactive Bill Pay charged $4.95/month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $75,000 | 0.25% | $25 |
| $75,000 – $150,000 | 0.35% | — |
| $150,000 – $250,000 | 0.40% | — |
| $250,000 – $2,500,000 | 0.55% | — |
| $2,500,000 and up | 0.65% | — |
Sources (1)
- bankofpontiac.com/bank/personal/money-market · captured Oct 6, 2026
Money Market
0.10%APY
Monthly service charge of $7 can be avoided with a $1,000 minimum balance. Free Online Banking & Bill Pay (with at least one bill payment each month; inactive Bill Pay charged $4.95/month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 and up | 0.10% | $10 |
Sources (1)
- bankofpontiac.com/bank/personal/money-market · captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.15%APY
Must be covered by a High Deductible Health Plan (HDHP), not covered by any other health insurance plan other than an HDHP, not enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. Annual fee of $25. Monthly service charge is $0.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier I (0-$2,499.99). $25 annual fee. | 0.05% | — | Tier I (0-$2,499.99). $25 annual fee. |
| $2,500 – $10,000Tier II ($2,500-$9,999.99). $25 annual fee. | 0.10% | — | Tier II ($2,500-$9,999.99). $25 annual fee. |
| $10,000 and upTier III ($10,000 or more). $25 annual fee. | 0.15% | $15 | Tier III ($10,000 or more). $25 annual fee. |
Sources (1)
- bankofpontiac.com/bank/personal/health-savings-accounts · captured Oct 6, 2026
Personal Savings
0.05%APY
Quarterly service charge of $12; minimum to avoid fee is $100 minimum balance or $250 average daily balance. Service charge waived for Senior Citizens (age 65 and older), Students (age 25 and under), Minors (age 18 and under), and Charitable Organizations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$12 quarterly service charge waived with $100 balance or $250 average daily balance, or for seniors, students, minors, and charitable organizations.Any balance | 0.05% | $5 | $12 quarterly service charge waived with $100 balance or $250 average daily balance, or for seniors, students, minors, and charitable organizations. |
Sources (1)
- bankofpontiac.com/bank/personal/savings-accounts · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.