Bank · FDIC insured
First Community Bank of Hillsboro Savings Rates
First Community Bank of Hillsboro’s best savings rate is 0.25% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How First Community Bank of Hillsboro’s savings rates compare
Compared with banks and credit unions in Illinois, where First Community Bank of Hillsboro has the most branches. $10,000, best rate first.
This bank’s best
First Community Bank of Hillsboro
0.25%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $25
Personal Savings
Top rate
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
2nd-highest rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
First Community Bank of Hillsboro savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- 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 First Community Bank of Hillsboro 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 Account
0.20%APY
A service fee of $10.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily balance of $2,500.00 for the monthly statement cycle. Transfers to another account or third parties by preauthorized, automatic, or telephone transfer are limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. | 0.20% | — | Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. |
| $10,000 – $50,000Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. | 0.20% | $20 | Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. |
| $50,000 – $100,000Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. | 0.20% | — | Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. |
| $100,000 – $499,999Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. | 0.25% | — | Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. |
| $500,000 and upTiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. | 0.25% | — | Tiered rate based on daily balance. Compounded monthly and credited monthly. Average daily balance method used to calculate interest. $10 monthly service fee waived with minimum daily balance of $1,000.00 or minimum average daily balance of $2,500.00. |
Sources (1)
- fcbhillsboro.com/personal · captured Sep 17, 2026
Special-purpose accounts
Christmas Club
1.00%APY
Matures October of every year. Maximum deposit is $10,000.00. Early withdrawal forfeits accrued interest plus early withdrawal fee with approval. Christmas Club accounts can only be opened between October 15 through January 31 of the next year. Automatically renews if a deposit is made by January 31 of the following year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance of $2.00 to obtain APY. Interest is not compounded; paid annually by check or direct deposit in October.Up to $10,000 | 1.00% | $100 | Minimum daily balance of $2.00 to obtain APY. Interest is not compounded; paid annually by check or direct deposit in October. |
Health Savings Accounts (HSA)
1.00%APY
Must have a high-deductible health plan to be eligible. No monthly or annual fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate based on average daily balance; interest compounded and credited monthly. | 0.10% | — | Tiered rate based on average daily balance; interest compounded and credited monthly. |
| $1,000 and upTiered rate based on average daily balance; interest compounded and credited monthly. | 1.00% | $100 | Tiered rate based on average daily balance; interest compounded and credited monthly. |
Sources (1)
- fcbhillsboro.com/personal · captured Sep 17, 2026
Summer Savings Club
1.00%APY
Matures June of every year. Maximum deposit is $10,000.00. Early withdrawal forfeits accrued interest plus fee with approval. Automatically renews if a deposit is made by August 31 of the following year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance of $2.00 to obtain APY. Interest is not compounded; paid annually by check or direct deposit in June.Up to $10,000 | 1.00% | $100 | Minimum daily balance of $2.00 to obtain APY. Interest is not compounded; paid annually by check or direct deposit in June. |
Sources (1)
- fcbhillsboro.com/personal · captured Sep 17, 2026
Personal Savings
0.25%APY
A service fee of $2.50 imposed every statement cycle unless you maintain either a minimum daily balance of $100.00 or a minimum average daily balance of $300.00 for the statement cycle (fee waived for minors under age 18 upon notification). Transfers to third parties limited to 3 per statement cycle. Excess withdrawal fee of $1.00 for each withdrawal in excess of 9 during a quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100.00 to obtain APY. Interest compounded and credited quarterly.$100 and up | 0.25% | $25 | Minimum daily balance of $100.00 to obtain APY. Interest compounded and credited quarterly. |
Sources (1)
- fcbhillsboro.com/personal · captured Sep 17, 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.