Bank · FDIC insured
Bank of Wolcott Savings Rates
Bank of Wolcott’s best savings rate is 0.40% APY on $10,000, with its Hi-Fi Plus. Rates checked October 15, 2026.
How Bank of Wolcott’s savings rates compare
Compared with banks and credit unions near Monticello, IN, where Bank of Wolcott has the most branches. $10,000, best rate first.
This bank’s best
Bank of Wolcott
0.40%APY
- Minimum
- —
- Earns on $10,000 a year
- $40
Premier Money Market
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Industrial Federal Credit Union
1.01%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
Bank of Wolcott savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.40%
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 Wolcott 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.
Premier Money Market
0.40%APY
Interest compounded monthly. Rates are accurate as of the effective date and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Interest compounded monthly. | 0.40% | $40 | Interest compounded monthly. |
| $100,000 and upInterest compounded monthly. | 1.50% | — | Interest compounded monthly. |
Sources (1)
- bankofwolcott.com/depositing/c…g-savings-interest-rates · captured Oct 5, 2026
Hi-Fi Plus
0.40%APY
Interest compounded monthly. Rates are accurate as of the effective date and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Interest compounded monthly. | 0.25% | — | Interest compounded monthly. |
| $10,000 and upInterest compounded monthly. | 0.40% | $40 | Interest compounded monthly. |
| $30,000 and upInterest compounded monthly. | 0.60% | — | Interest compounded monthly. |
| $50,000 and upInterest compounded monthly. | 0.95% | — | Interest compounded monthly. |
Sources (1)
- bankofwolcott.com/depositing/c…g-savings-interest-rates · captured Oct 5, 2026
HiFi Plus
0.40%APY
Tiered interest structure – adjustable rate. Interest compounds monthly and is credited monthly. A monthly maintenance fee of $5.00 is imposed if the account falls below a daily balance of $10,000.00. Must maintain a minimum daily balance of $1.00 each day to obtain the disclosed annual percentage yield. Check writing ability included.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tiered rate for $9,999.99 & Under. Must maintain a minimum daily balance of $1.00 each day to obtain disclosed APY. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. | 0.25% | — | Tiered rate for $9,999.99 & Under. Must maintain a minimum daily balance of $1.00 each day to obtain disclosed APY. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. |
| $10,000 – $30,000Tiered rate for $10,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. | 0.40% | $40 | Tiered rate for $10,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. |
| $30,000 – $50,000Tiered rate for $30,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. | 0.60% | — | Tiered rate for $30,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. |
| $50,000 and upTiered rate for $50,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. | 0.95% | — | Tiered rate for $50,000.00. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly. |
Sources (2)
- bankofwolcott.com/depositing/c…g-savings-interest-rates
- bankofwolcott.com/depositing/personal-savings-accounts
All captured Oct 5, 2026
Regular Savings
0.10%APY
Interest is compounded and credited quarterly. Rate may change after the account is opened. A monthly maintenance fee of $2.00 applies if the daily balance falls below $100.00 (waived for primary owners 18 and younger).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is compounded and credited quarterly. $2.00 monthly maintenance fee is imposed if the account falls below a daily balance of $100.00; fee waived for primary owners 18 and younger.Any balance | 0.10% | $10 | Interest is compounded and credited quarterly. $2.00 monthly maintenance fee is imposed if the account falls below a daily balance of $100.00; fee waived for primary owners 18 and younger. |
Sources (2)
- bankofwolcott.com/depositing/c…g-savings-interest-rates
- bankofwolcott.com/depositing/personal-savings-accounts
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
Interest compounds monthly. Interest rates and APY may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounding frequency is monthly.Any balance | 0.10% | $10 | Interest compounding frequency is monthly. |
Sources (1)
- bankofwolcott.com/depositing/c…g-savings-interest-rates · captured Oct 5, 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.