Bank · FDIC insured
First Bank Chicago Savings Rates
Top CarrotFirst Bank Chicago’s best savings rate is 2.35% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How First Bank Chicago’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Bank Chicago has the most branches. $10,000, best rate first.
This bank’s best
First Bank Chicago
2.35%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $235
Personal Money Market
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
First Bank Chicago savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0002.35%
- $100,000 balance$100,0002.35%
- QualifiedQualified2.35%
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 First Bank Chicago 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.
Personal Money Market
2.35%APY
Must deposit $1,000 to open. A $15 monthly service fee applies if balance falls below $2,500. Minimum daily balance of $0.01 to earn interest. Minimum withdrawal or transfer amount is $500. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Daily balance of $0.01 to $24,999.99. $15 monthly fee if balance falls below $2,500. Minimum withdrawal/transfer is $500. | 2.35% | $235 | Daily balance of $0.01 to $24,999.99. $15 monthly fee if balance falls below $2,500. Minimum withdrawal/transfer is $500. |
| $25,000 and upDaily balance of $25,000.00 and above. $15 monthly fee if balance falls below $2,500. Minimum withdrawal/transfer is $500. | 2.35% | — | Daily balance of $25,000.00 and above. $15 monthly fee if balance falls below $2,500. Minimum withdrawal/transfer is $500. |
Sources (3)
- firstbankchicago.com/Deposit-Rates
- firstbankchicago.com/Savings-Accounts
- firstbankchicago.com/gallery/61437.pdf
All captured Oct 6, 2026
Prime Savings
0.30%APY
Tiered variable interest rate compounded and credited monthly using the daily balance method. When daily balance is within a specified tier range, the rate is earned on the entire account balance. Minimum balance of $0.01 or greater required to earn interest. Monthly fee of $15 waived if minimum daily balance of $5,000 is maintained each day of the cycle. Minimum withdrawal or transfer amount is $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier applies to balances of $0.01 to $24,999.99 (less than $25,000). Stated APY earned on entire balance. $15 monthly service charge if balance falls below $5,000 on any day of the cycle. Minimum withdrawal/transfer is $500. | 0.30% | $30 | Tier applies to balances of $0.01 to $24,999.99 (less than $25,000). Stated APY earned on entire balance. $15 monthly service charge if balance falls below $5,000 on any day of the cycle. Minimum withdrawal/transfer is $500. |
| $25,000 and upTier applies to balances of $25,000.00 and above. Stated APY earned on entire balance. $15 monthly service charge waived since balance meets the $5,000 minimum daily balance requirement. Minimum withdrawal/transfer is $500. | 1.00% | — | Tier applies to balances of $25,000.00 and above. Stated APY earned on entire balance. $15 monthly service charge waived since balance meets the $5,000 minimum daily balance requirement. Minimum withdrawal/transfer is $500. |
Sources (3)
- firstbankchicago.com/Deposit-Rates
- firstbankchicago.com/Savings-Accounts
- firstbankchicago.com/gallery/61437.pdf
All captured Oct 6, 2026
Free Savings/IDA Savings
0.35%APY
Variable interest rate compounded and credited monthly using the daily balance method. Minimum daily balance of $0.01 or greater required to earn interest. No minimum balance to maintain to avoid monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires maintaining a minimum daily balance of $0.01 or greater to earn APY.Over $0 | 0.35% | $35 | Requires maintaining a minimum daily balance of $0.01 or greater to earn APY. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Health Savings
0.40%APY
Tax-advantaged savings account for qualified medical expenses when combined with a high-deductible health plan. Variable interest rate compounded and credited monthly using the daily balance method. Minimum daily balance of $0.01 or greater required to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires maintaining a minimum daily balance of $0.01 or greater to earn APY.Over $0 | 0.40% | $40 | Requires maintaining a minimum daily balance of $0.01 or greater to earn APY. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.20%APY
Variable interest rate compounded and credited monthly. Calculated using the daily balance method on principal balances of $0.01 or greater. Non-transferable via preauthorized, automatic, online banking, or telephone transfers. Consult a tax advisor.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires maintaining a minimum daily balance of $0.01 or greater to earn APY.Over $0 | 0.20% | $20 | Requires maintaining a minimum daily balance of $0.01 or greater to earn APY. |
Sources (2)
All captured Oct 6, 2026
My First Account
0.20%APY
New money only. Designed for children through age 17; established by an adult on behalf of a minor as a custodial account under the Illinois Uniform Transfers to Minors Act. Variable interest rate compounded and credited monthly using the daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires maintaining a daily balance greater than $0.01 to earn APY. New money only. For children through age 17.Over $0 | 0.20% | $20 | Requires maintaining a daily balance greater than $0.01 to earn APY. New money only. For children through age 17. |
Sources (2)
All captured Oct 6, 2026
Student e-Banking
0.15%APY
Account is only available to individuals 13 to 26 years of age. Individuals under the age of 18 require a parental/guardian cosigner. Minimum daily balance of $0.01 or greater is required to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum daily balance of $0.01 or greater required to earn interest.Over $0 | 0.15% | $15 | Minimum daily balance of $0.01 or greater required to earn interest. |
Sources (1)
- firstbankchicago.com/Deposit-Rates · captured Oct 6, 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.