Bank · FDIC insured
DeMotte State Bank Savings Rates
Top CarrotDeMotte State Bank’s best savings rate is 3.58% APY on $10,000, with its Savings Growth. Rates checked October 15, 2026.
How DeMotte State Bank’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where DeMotte State Bank has the most branches. $10,000, best rate first.
This bank’s best
DeMotte State Bank
3.58%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $358
Savings Growth
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
DeMotte State Bank savings score
96
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.58%
- $10,000 balance$10,0003.58%
- $100,000 balance$100,0003.58%
- QualifiedQualified3.58%
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 DeMotte 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.
Savings Growth
3.58%APY · 1 term
Perfect for child savings. Attractive variable interest rate-established quarterly. Reaches maturity in 5 years. Early withdrawal fee: 6 months interest on amount withdrawn at average rate for past 6 months. Unlimited deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsMinimum daily balance to obtain APY is $100.00. $100 minimum to open and earn interest | 3.58% | $1,923 |
Smart Investor MM
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 1.51% | — |
| $100,000 and up | 1.76% | — |
Sources (1)
- netdsb.com/rates-fees · captured Oct 5, 2026
Super Money Market
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.20% | $20 |
Sources (1)
- netdsb.com/rates-fees · captured Oct 5, 2026
Savings Account
0.05%APY
Interest rate established monthly/compounded quarterly. $5 monthly fee if balance falls below $100, fee waived for ages 18 & under and 65 & older.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance to obtain APY is $5.00. $100 minimum balance required to avoid $5 monthly fee (waived for ages 18 & under, 65 & older).$5 and up | 0.05% | $5 | Minimum daily balance to obtain APY is $5.00. $100 minimum balance required to avoid $5 monthly fee (waived for ages 18 & under, 65 & older). |
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.