Bank · FDIC insured
Central State Bank Savings Rates
Central State Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Central State Bank’s savings rates compare
Compared with banks and credit unions near Quincy, IL-MO, where Central State Bank has the most branches. $10,000, best rate first.
This bank’s best
Central State Bank
0.25%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $25
Passbook Savings
Top rate
HomeBank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
2nd-highest rate
Members First Community CU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
Central State Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.45%
- 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 Central State 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.
Money Market
0.25%APY
Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Withdrawal limit of 6 per month cycle; $0.50 service charge per item in excess of 6. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. | 0.25% | — | Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. |
| $10,000 – $24,999Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. | 0.25% | $25 | Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. |
| $25,000 – $49,999Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. | 0.35% | — | Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. |
| $50,000 and upAverage daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. | 0.45% | — | Average daily balance of $2,500.00 to obtain the APY and avoid the $5.00 monthly service fee. Interest compounded monthly. |
Passbook Savings
0.25%APY
Six (6) withdrawal limit for each qualifying monthly cycle with $0.50 per item service charge in excess of limit. Must maintain $50.00 average daily balance or subject to a $1.25 quarterly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded quarterly on the average collected balance.Any balance | 0.25% | $25 | Interest compounded quarterly on the average collected balance. |
Sources (3)
All captured Sep 17, 2026
Opening an account
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