Bank · FDIC insured
Eureka Savings Bank Savings Rates
Eureka Savings Bank’s best savings rate is 0.15% APY on $10,000, with its Essential Money Market. Rates checked October 16, 2026.
How Eureka Savings Bank’s savings rates compare
Compared with banks and credit unions near Ottawa, IL, where Eureka Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Eureka Savings Bank
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Essential Money Market
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Grand Ridge National Bank
3.60%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $360
Eureka Savings Bank savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.15%
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 Eureka Savings 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.
Essential Money Market
0.15%APY
Rate may change after account is opened - Fees could reduce earnings. Interest is compounded & credited monthly. Transfers from this account to another account, or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft or similar order to third parties are limited to six (6) per statement cycle. No monthly service fees. $2,500 minimum balance to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$2,500 minimum balance to earn interest. | 0.00% | — | $2,500 minimum balance to earn interest. |
| $2,500 – $25,000 | 0.15% | $15 | |
| $25,000 – $50,000 | 0.20% | — | |
| $50,000 – $100,000 | 0.60% | — | |
| $100,000 – $500,000 | 1.51% | — | |
| $500,000 – $750,000 | 1.51% | — | |
| $750,000 – $1,000,000 | 2.02% | — | |
| $1,000,000 and up | 2.27% | — |
Sources (2)
All captured Oct 16, 2026
Essential Savings
0.10%APY
Rate may change after account is opened. Fees could reduce earnings. Transfers limited to 6 per statement cycle. Interest is compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded and credited quarterly.Any balance | 0.10% | $10 | Interest compounded and credited quarterly. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.50%APY
Must be covered by a High Deductible Health Plan (HDHP), not currently enrolled in Medicare, and cannot be claimed as a dependent on a tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is compounded daily and paid monthly.Any balance | 0.50% | $50 | Interest is compounded daily and paid monthly. |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.10%APY
Interest is compounded and credited annually. Checks are sent out in October. Account may be closed if any withdrawal is made before September 30th. Transfers limited to 6 per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is compounded & credited annually. Check sent in October. Account may be closed if withdrawal made before September 30th.Any balance | 0.10% | $10 | Interest is compounded & credited annually. Check sent in October. Account may be closed if withdrawal made before September 30th. |
Sources (3)
- eurekasavings.com/online-account-rates
- eurekasavings.com/accounts/savings
- eurekasavings.com/accounts/sav…s/christmas-club-account
All captured Oct 16, 2026
Money Miners Kid's Club
0.10%APY
Available to children under age 12 with a parent or guardian that is 18 years of age. Converts automatically to Essential Savings Account upon child turning 13. Transfers limited to 6 per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is compounded & credited quarterly.Any balance | 0.10% | $10 | Interest is compounded & credited quarterly. |
Sources (3)
- eurekasavings.com/online-account-rates
- eurekasavings.com/accounts/savings
- eurekasavings.com/accounts/sav…s/money-miner-kid's-club
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.