Bank · FDIC insured
First Federal Savings & Loan Association of Central Illinois S.B. Savings Rates
First Federal Savings & Loan Association of Central Illinois S.B.’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First Federal Savings & Loan Association of Central Illinois S.B.’s savings rates compare
Compared with banks and credit unions near Charleston, IL, where First Federal Savings & Loan Association of Central Illinois S.B. has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan Association of Central Illinois S.B.
1.01%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $101
1st Fed Savings w/ Checking
Top rate
First Farmers Bank & Trust
2.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $270
2nd-highest rate
Area Educational Credit Union
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
First Federal Savings & Loan Association of Central Illinois S.B. savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.01%
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 Federal Savings & Loan Association of Central Illinois S.B. 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
0.75%APY
Interest is credited to the account monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Interest is credited to the account monthly. | 0.75% | $75 | Interest is credited to the account monthly. |
| $25,000 – $100,000Interest is credited to the account monthly. | 1.01% | — | Interest is credited to the account monthly. |
| $100,000 and upInterest is credited to the account monthly. | 1.26% | — | Interest is credited to the account monthly. |
Sources (1)
- 1stfedci.com/deposit-rates · captured Oct 6, 2026
1st Fed Savings w/ Checking
1.01%APY
Requires checking account relationship. Interest credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires checking account relationship. Interest credited quarterly.Any balance | 1.01% | $101 | Requires checking account relationship. Interest credited quarterly. |
Sources (1)
- 1stfedci.com/deposit-rates · captured Oct 6, 2026
1st Fed Savings
0.75%APY
Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Maximum 6 third-party withdrawals per month, unlimited in person. Interest credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Interest credited quarterly.$100 and up | 0.75% | $75 | Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Interest credited quarterly. |
Special-purpose accounts
Christmas Club Savings
0.75%APY
No minimum deposit required to open. No monthly service charge. No minimum balance to obtain APY. Only one withdrawal allowed per annual cycle ending in October. Interest credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Only one withdrawal allowed per annual cycle ending in October. Interest credited quarterly.Any balance | 0.75% | $75 | No minimum balance to obtain APY. Only one withdrawal allowed per annual cycle ending in October. Interest credited quarterly. |
Health Savings Account
0.75%APY
Must be enrolled in a high deductible health plan (HDHP) to be eligible. No minimum deposit required to open. No monthly service charge. No minimum balance to obtain APY. Interest credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be enrolled in a high deductible health plan (HDHP). No minimum balance to obtain APY. Interest credited quarterly.Any balance | 0.75% | $75 | Must be enrolled in a high deductible health plan (HDHP). No minimum balance to obtain APY. Interest credited quarterly. |
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.