Bank · FDIC insured
Community Financial Services Bank Savings Rates
Community Financial Services Bank’s best savings rate is 0.10% APY on $10,000, with its Community Savings. Rates checked October 22, 2026.
How Community Financial Services Bank’s savings rates compare
Compared with banks and credit unions near Paducah, KY-IL, where Community Financial Services Bank has the most branches. $10,000, best rate first.
This bank’s best
Community Financial Services Bank
0.10%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $10
Community Savings
Top rate
FNB Bank
3.42%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $342
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Community Financial Services Bank savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.37%
- 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 Community Financial Services 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.
Premier Advantage Savings
Up to 1.84%APY
No monthly maintenance fee; interest compounded daily and paid monthly. Variable rate updated monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $250,000Minimum balance to obtain yield is $50,000. | 1.37% | — | Minimum balance to obtain yield is $50,000. |
| $250,000 and upMinimum balance to obtain yield is $50,000. | 1.84% | — | Minimum balance to obtain yield is $50,000. |
Sources (3)
All captured Oct 5, 2026
Community Savings
0.10%APY
No minimum balance requirements; free ATM card; interest compounded daily and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.05% | — | |
| $10,000 – $25,000Minimum balance to obtain yield is $10,000. | 0.10% | $10 | Minimum balance to obtain yield is $10,000. |
| $25,000 – $100,000Minimum balance to obtain yield is $25,000. | 0.15% | — | Minimum balance to obtain yield is $25,000. |
| $100,000 – $250,000Minimum balance to obtain yield is $100,000. | 0.20% | — | Minimum balance to obtain yield is $100,000. |
| $250,000 and upMinimum balance to obtain yield is $250,000. | 0.25% | — | Minimum balance to obtain yield is $250,000. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
4.07%APY · 1 term
Traditional and Roth options available. Monthly interest payments. No minimum balance requirements, annual fees, or setup fees. Annual contribution limits apply. $25 minimum deposit to open the 12-Month Variable IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to open and obtain yield is $25. Rates subject to change after account opening. Penalty for early withdrawal. No setup or annual fees | 4.07% | $407 |
Sources (3)
All 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.