Bank · FDIC insured
Central Bank Illinois Savings Rates
Central Bank Illinois’s best savings rate is 0.35% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Central Bank Illinois’s savings rates compare
Compared with banks and credit unions near Davenport, IA-IL, where Central Bank Illinois has the most branches. $10,000, best rate first.
This bank’s best
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
Kasasa Saver
2nd-highest rate
Vibrant Credit Union
3.38%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $338
3rd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Central Bank Illinois savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.90%
- QualifiedQualified4.00%
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 Central Bank Illinois 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.
Premium Money Market Savings
Up to 1.06%APY
No monthly maintenance fee. $10,000 minimum withdrawal. Interest compounded and paid monthly on daily balances above $25,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Paid on daily balances between $25,000 and $49,999.99. | 0.60% | — | Paid on daily balances between $25,000 and $49,999.99. |
| $50,000 – $100,000Paid on daily balances between $50,000 and $99,999.99. | 0.75% | — | Paid on daily balances between $50,000 and $99,999.99. |
| $100,000 – $250,000Paid on daily balances between $100,000 and $249,999.99. | 0.90% | — | Paid on daily balances between $100,000 and $249,999.99. |
| $250,000 – $500,000Paid on daily balances between $250,000 and $499,999.99. | 0.95% | — | Paid on daily balances between $250,000 and $499,999.99. |
| $500,000 and upPaid on daily balances $500,000 and above. | 1.06% | — | Paid on daily balances $500,000 and above. |
Sources (2)
All captured Oct 6, 2026
Money Market Savings
0.35%APY
Avoid the $10 monthly maintenance fee by maintaining a $1,000 average daily balance. Interest compounded and paid monthly on daily balances above $1,000. $1 fee per withdrawal in excess of 3 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Paid on daily balances between $1,000 and $9,999.99. | 0.25% | — | Paid on daily balances between $1,000 and $9,999.99. |
| $10,000 – $25,000Paid on daily balances between $10,000 and $24,999.99. | 0.35% | $35 | Paid on daily balances between $10,000 and $24,999.99. |
| $25,000 and upPaid on daily balances $25,000 and above. | 0.60% | — | Paid on daily balances $25,000 and above. |
Sources (2)
All captured Oct 6, 2026
Statement Savings
0.25%APY
Interest compounded and paid semi-annually. Statements released quarterly. $1 fee per withdrawal in excess of 3 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or by notifying the bank that you are under age 19 or a not-for-profit organization.Any balance | 0.25% | $25 | Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or by notifying the bank that you are under age 19 or a not-for-profit organization. |
Sources (3)
- central-bank.com/personal/personal-savings
- central-bank.com/personal/pers…s/statement-savings.html
- central-bank.com/rates.html
All captured Oct 16, 2026
Kasasa Saver
0.00%APY on $10,000
Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Requires enrollment in eStatements. Limit one account per SSN/ITIN.
| Part of the balance | Rate on that part |
|---|---|
| Over $50,000 | 0.20% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Special-purpose accounts
Health Savings Account (HSA)
0.25%APY
Available to adults under 65 covered by a high-deductible health plan (HDHP) and not enrolled in Medicare. Provides triple tax advantages.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. | 0.05% | — | Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. |
| $1,000 – $5,000Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. | 0.10% | — | Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. |
| $5,000 – $10,000Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. | 0.15% | — | Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. |
| $10,000 and upAvoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. | 0.25% | $25 | Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or enrolling in eStatements. |
Sources (3)
- central-bank.com/personal/personal-savings
- central-bank.com/personal/pers…vings-accounts-hsas.html
- central-bank.com/rates.html
All captured Oct 16, 2026
Individual Retirement Accounts (IRAs)
0.25%APY
Available as Traditional and Roth IRA options. Funds can also be used to purchase CDs within the IRA. Annual contribution limits apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to both Traditional and Roth IRA savings options. No setup fees and no monthly or annual maintenance fees. | 0.05% | — | Applies to both Traditional and Roth IRA savings options. No setup fees and no monthly or annual maintenance fees. |
| $1,000 and upApplies to both Traditional and Roth IRA savings options. No setup fees and no monthly or annual maintenance fees. | 0.25% | $25 | Applies to both Traditional and Roth IRA savings options. No setup fees and no monthly or annual maintenance fees. |
Sources (3)
- central-bank.com/personal/personal-savings
- central-bank.com/personal/pers…ement-accounts-iras.html
- central-bank.com/rates.html
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.