Bank · FDIC insured
First Community Bank of Moultrie County Savings Rates
First Community Bank of Moultrie County’s best savings rate is 0.20% APY on $10,000, with its Select Money Market. Rates checked October 16, 2026.
How First Community Bank of Moultrie County’s savings rates compare
Compared with banks and credit unions in Illinois, where First Community Bank of Moultrie County has the most branches. $10,000, best rate first.
This bank’s best
First Community Bank of Moultrie County
0.20%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $20
Select Money Market
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 Moultrie County savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0001.21%
- QualifiedQualified0.20%
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 Moultrie County 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.
Select Money Market
0.20%APY
Must deposit $100.00 to open. Monthly service charge of $15.00 imposed every statement cycle if balance falls below $2,500.00 on any given day. Monthly limit of 6 transfers for certain transactions. Daily balance method used.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier $1.00-$24,999.99. Minimum balance to earn APY is $1.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. | 0.20% | $20 | Tier $1.00-$24,999.99. Minimum balance to earn APY is $1.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. |
| $25,000 – $100,000Tier $25,000.00-$99,999.99. Minimum balance to earn APY is $25,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. | 0.70% | — | Tier $25,000.00-$99,999.99. Minimum balance to earn APY is $25,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. |
| $100,000 – $250,000Tier $100,000.00-$249,999.99. Minimum balance to earn APY is $100,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. | 1.21% | — | Tier $100,000.00-$249,999.99. Minimum balance to earn APY is $100,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. |
| $250,000 – $500,000Tier $250,000.00-$499,999.99. Minimum balance to earn APY is $250,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. | 1.71% | — | Tier $250,000.00-$499,999.99. Minimum balance to earn APY is $250,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. |
| $500,000 and upTier $500,000.00 and up. Minimum balance to earn APY is $500,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. | 2.22% | — | Tier $500,000.00 and up. Minimum balance to earn APY is $500,000.00. $15.00 monthly fee waived if daily balance remains at or above $2,500.00. |
Money Market Account
0.12%APY
Must deposit $2,500.00 to open. Monthly service charge of $15 imposed every statement cycle if balance falls below $2,500.00 on any given day. Monthly limit of 6 transfers for certain transactions. Daily balance method used.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMust maintain a minimum balance of $2,500.00 each day to obtain disclosed APY. No interest paid when daily balance falls below $2,500.00. Rate is based on tiered balance amounts ($2,500.00-$10,000.99, $10,001.00-$25,000.99, $25,001.00-$99,999.99, OVER $100,000.00) but single rate is listed on rate schedule. $15 monthly fee waived if daily balance remains at or above $2,500.00.$2,500 and up | 0.12% | $12 | Must maintain a minimum balance of $2,500.00 each day to obtain disclosed APY. No interest paid when daily balance falls below $2,500.00. Rate is based on tiered balance amounts ($2,500.00-$10,000.99, $10,001.00-$25,000.99, $25,001.00-$99,999.99, OVER $100,000.00) but single rate is listed on rate schedule. $15 monthly fee waived if daily balance remains at or above $2,500.00. |
Savings
0.07%APY
A service charge of $1 per month will be imposed every statement cycle if the balance falls below $100.00 on any given day. After 6 withdrawals in a month there will be a $2 fee per withdrawal. Interest compounded quarterly and credited on the last day of every quarter; interest is forfeited if closed before crediting.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMust maintain a minimum balance of $10.00 each day to obtain disclosed APY. $1 monthly service charge waived if balance stays at or above $100.00 each day.$10 and up | 0.07% | $7 | Must maintain a minimum balance of $10.00 each day to obtain disclosed APY. $1 monthly service charge waived if balance stays at or above $100.00 each day. |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMust maintain a minimum balance of $1.00 to earn APY.$1 and up | 0.50% | $50 | Must maintain a minimum balance of $1.00 to earn APY. |
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.