Bank · FDIC insured
Byron Bank Savings Rates
Byron Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Byron Bank’s savings rates compare
Compared with banks and credit unions near Rochelle, IL, where Byron Bank has the most branches. $10,000, best rate first.
This bank’s best
Byron Bank
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Consumers Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Byron Bank savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.77%
- 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 Byron Bank 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.
Investor Savings
0.40%APY
Five-tiered interest-bearing savings; funds may be withdrawn with no early-withdrawal penalty. Product pages state $25,000.00 required to open, to avoid the quarterly service fee, and to earn interest. Four withdrawals or transfers per quarter; additional withdrawals are a $10.00 fee (incidental). $25.00 fee per quarter if balance falls below $25,000.00. Interest credited and compounded quarterly. Earnings may be reduced by fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier $0 - $24,999.99. Product disclosures also require $25,000.00 to earn interest and to avoid the $25.00 quarterly fee. | 0.40% | $40 | Tier $0 - $24,999.99. Product disclosures also require $25,000.00 to earn interest and to avoid the $25.00 quarterly fee. |
| $25,000 – $50,000Tier $25,000 - $49,999.99. $25,000.00 required to earn interest. $25.00 quarterly fee if balance falls below $25,000.00. | 0.50% | — | Tier $25,000 - $49,999.99. $25,000.00 required to earn interest. $25.00 quarterly fee if balance falls below $25,000.00. |
| $50,000 – $100,000Tier $50,000 - $99,999.99. $25,000.00 required to earn interest. | 0.75% | — | Tier $50,000 - $99,999.99. $25,000.00 required to earn interest. |
| $100,000 – $200,000Tier $100,000 - $199,999.99. $25,000.00 required to earn interest. | 1.77% | — | Tier $100,000 - $199,999.99. $25,000.00 required to earn interest. |
| $200,000 and upTier $200,000 and over. $25,000.00 required to earn interest. | 2.28% | — | Tier $200,000 and over. $25,000.00 required to earn interest. |
Sources (2)
All captured Oct 16, 2026
Money Market Account
0.40%APY
Rates subject to change. Earnings may be reduced by fees charged.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Minimum balance tier $2,500–$24,999.99. | 0.40% | $40 | Minimum balance tier $2,500–$24,999.99. |
| $25,000 – $100,000Minimum balance tier $25,000–$99,999.99. | 0.75% | — | Minimum balance tier $25,000–$99,999.99. |
| $100,000 and upMinimum balance tier $100,000 and over. | 1.77% | — | Minimum balance tier $100,000 and over. |
Sources (1)
- byronbank.com/personal/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Rates as of 10/16/2026 and subject to change. Opening minimum and fees not stated on the rate schedule.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Account balance $0 - $4,999.99. | 0.10% | — | Account balance $0 - $4,999.99. |
| $5,000 – $10,000Account balance $5,000-$9,999.99. | 0.20% | — | Account balance $5,000-$9,999.99. |
| $10,000 and upAccount balance $10,000 and over. | 0.25% | $25 | Account balance $10,000 and over. |
Sources (1)
- byronbank.com/personal/deposit-rates · captured Oct 16, 2026
Passbook Individual Retirement Account
0.10%APY
Passbook IRA to hold rollover funds without penalty if changing jobs. Variable rate; rate and APR/APY may change after opening. Substantial penalty for early withdrawal. Earnings may be reduced by fees. Traditional/Roth/SEP not given distinct terms. IRA CDs and annuity IRAs are separate offerings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance $1,000 on rate schedule. Variable rate. | 0.10% | $10 | Minimum balance $1,000 on rate schedule. Variable rate. |
| $50,000 and upMinimum balance $50,000 on rate schedule. Variable rate. | 0.20% | — | Minimum balance $50,000 on rate schedule. Variable rate. |
| $100,000 and upMinimum balance $100,000 on rate schedule. Variable rate. | 0.25% | — | Minimum balance $100,000 on rate schedule. Variable rate. |
Sources (2)
All captured Oct 16, 2026
Timely Savings
0.25%APY
Traditional club account. No withdrawals allowed. Interest paid at maturity. Must have a Byron Bank checking account to transfer the club balance at end of the club period. $25 early closure fee. Club term length not stated.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance $5.00 on rate schedule. Minimum balance to earn interest listed as N/A on product page. Interest paid at maturity. Requires Byron Bank checking to transfer club balance at period end.$5 and up | 0.25% | $25 | Minimum balance $5.00 on rate schedule. Minimum balance to earn interest listed as N/A on product page. Interest paid at maturity. Requires Byron Bank checking to transfer club balance at period end. |
Sources (2)
All captured Oct 16, 2026
Starter Savings
0.10%APY
Youth-oriented variant of Smart Savings with lower opening balance and no minimum balance until age 14. Variable rate; rate and APY may change after opening. Interest credited and compounded quarterly; $100 required to earn interest. $5.00 fee per quarter if balance falls below $100.00. Earnings may be reduced by fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate. Minimum balance $100.00 on rate schedule. $100.00 required to earn interest. $5.00 quarterly fee if balance falls below $100.00. No minimum balance until age 14.$100 and up | 0.10% | $10 | Variable rate. Minimum balance $100.00 on rate schedule. $100.00 required to earn interest. $5.00 quarterly fee if balance falls below $100.00. No minimum balance until age 14. |
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.