Bank · FDIC insured
BankChampaign Savings Rates
BankChampaign’s best savings rate is 0.10% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How BankChampaign’s savings rates compare
Compared with banks and credit unions near Champaign, IL, where BankChampaign has the most branches. $10,000, best rate first.
This bank’s best
BankChampaign
0.10%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $10
Personal Money Market
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
Bank of Rantoul
2.53%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $253
BankChampaign savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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 BankChampaign 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.
Personal Money Market
0.10%APY
Daily balance requirement of $200 or more to earn interest. $10/month service charge if balance falls below $5,000. Checks and electronic debits are $2 each.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. | 0.05% | — | Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. |
| $2,500 – $10,000Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. | 0.05% | — | Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. |
| $10,000 – $25,000Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. | 0.10% | $10 | Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. |
| $25,000 and upDaily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. | 0.15% | — | Daily balance requirement of $200 or more to earn interest; $10/month service charge if balance falls below $5,000; Checks and electronic debits are $2 each. |
Sources (1)
- bankchampaign.com/personal/personal-savings · captured Sep 25, 2026
Regular Savings
0.05%APY
Quarterly statement. $9/quarter service charge if daily balance falls below $200. Nine free withdrawals per quarter; additional withdrawals are $1 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo daily balance required to earn interest. $9/quarter service charge if daily balance falls below $200. Nine free withdrawals per quarter; additional withdrawals are $1 each.Any balance | 0.05% | $5 | No daily balance required to earn interest. $9/quarter service charge if daily balance falls below $200. Nine free withdrawals per quarter; additional withdrawals are $1 each. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.05%APY
Any adult covered by a high-deductible health plan (and who has no other first-dollar coverage) may establish an HSA for future medical expenses. Contributions can be made by you, your employer or both.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEligibility requires coverage by a high-deductible health plan with no other first-dollar coverage. No daily balance required to earn interest. No monthly service charge or transaction fees.Any balance | 0.05% | $5 | Eligibility requires coverage by a high-deductible health plan with no other first-dollar coverage. No daily balance required to earn interest. No monthly service charge or transaction fees. |
Sources (2)
All captured Oct 16, 2026
Minor Savings
0.05%APY
Designed for individuals 18 and younger. Quarterly statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDesigned for individuals 18 and younger. No daily balance required to earn interest. No monthly service charge or transaction fees.Any balance | 0.05% | $5 | Designed for individuals 18 and younger. No daily balance required to earn interest. No monthly service charge or transaction fees. |
Sources (2)
All captured Oct 16, 2026
Senior Savings
0.05%APY
Designed for individuals 55 and older. Quarterly statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDesigned for individuals 55 and older. No daily balance required to earn interest. No monthly service charge or transaction fees.Any balance | 0.05% | $5 | Designed for individuals 55 and older. No daily balance required to earn interest. No monthly service charge or transaction fees. |
Sources (2)
All captured Oct 16, 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.