Bank · FDIC insured
First National Bank in Olney Savings Rates
First National Bank in Olney’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First National Bank in Olney’s savings rates compare
Compared with banks and credit unions in Illinois, where First National Bank in Olney has the most branches. $10,000, best rate first.
This bank’s best
First National Bank in Olney
0.60%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $60
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 National Bank in Olney savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.76%
- QualifiedQualified0.60%
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 National Bank in Olney 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.
High Yield Money Market
0.00%APY
Available for personal and business use. A $25.00 monthly service charge applies if the daily balance falls below $25,000.00 (waived for the first statement cycle of a new account). No interest is earned on days when the collected balance is less than $25,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Compounded monthly. Monthly fee of $25.00 assessed if daily balance is less than $25,000.00 (waived for first statement cycle). | 0.00% | $0 | Compounded monthly. Monthly fee of $25.00 assessed if daily balance is less than $25,000.00 (waived for first statement cycle). |
| $25,000 – $50,000Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. | 0.60% | — | Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. |
| $50,000 – $100,000Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. | 1.21% | — | Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. |
| $100,000 – $250,000Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. | 1.76% | — | Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. |
| $250,000 and upCompounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. | 2.89% | — | Compounded monthly. Monthly fee of $25.00 assessed if daily balance falls below $25,000.00. |
Money Market
0.60%APY
Available for personal and business use. A $10.00 monthly service charge applies if the daily balance falls below $1,000.00 (waived for the first statement cycle of a new account). No interest is earned on days when the collected balance is less than $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Compounded monthly. Monthly fee of $10.00 assessed if daily balance is less than $1,000.00 (waived for first statement cycle). | 0.00% | — | Compounded monthly. Monthly fee of $10.00 assessed if daily balance is less than $1,000.00 (waived for first statement cycle). |
| $1,000 – $20,000Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. | 0.60% | $60 | Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. |
| $20,000 – $50,000Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. | 0.80% | — | Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. |
| $50,000 – $100,000Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. | 1.00% | — | Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. |
| $100,000 and upCompounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. | 1.51% | — | Compounded monthly. Monthly fee of $10.00 assessed if daily balance falls below $1,000.00. |
Statement Savings
0.55%APY
Available for personal and business use. Interest added at the end of each calendar quarter. No interest earned on days when collected balance is less than $100.00. A $5.00 service charge applies if daily balance is less than $100.00 (waived for the first quarter of a new account).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate compounded quarterly. No interest earned on days collected balance is below $100.00.$100 and up | 0.55% | $55 | Variable rate compounded quarterly. No interest earned on days collected balance is below $100.00. |
Special-purpose accounts
Christmas Club
0.55%APY
No partial withdrawals. Matures in late October or early November (varies from year to year). Accounts closed prior to maturity assessed a $25.00 fee with loss of accrued interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFixed rate compounded annually. Matures in late October or early November. Account closed prior to maturity assessed a $25.00 fee with loss of accrued interest.Any balance | 0.55% | $55 | Fixed rate compounded annually. Matures in late October or early November. Account closed prior to maturity assessed a $25.00 fee with loss of accrued interest. |
Kids First Savings
0.55%APY
Available for kids, preferably ages newborn to 18. Interest added at the end of each calendar quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate compounded quarterly.Any balance | 0.55% | $55 | Variable rate compounded 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.