Bank · FDIC insured
First National Bank of Pana Savings Rates
First National Bank of Pana’s best savings rate is 0.10% APY on $10,000, with its Super First Account. Rates checked October 16, 2026.
How First National Bank of Pana’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where First National Bank of Pana has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Pana
0.10%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $10
Super First Account
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
First National Bank of Pana savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.10%
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 of Pana 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.
Super First Account
0.10%APY
Daily balance applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $750 monthly. | 0.05% | — | Interest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $750 monthly. |
| $2,500 – $10,000Interest and APY may change after account opening. Daily balance applies. | 0.05% | — | Interest and APY may change after account opening. Daily balance applies. |
| $10,000 – $25,000Interest and APY may change after account opening. Daily balance applies. | 0.10% | $10 | Interest and APY may change after account opening. Daily balance applies. |
| $25,000 – $50,000Interest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $2500 monthly. | 0.15% | — | Interest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $2500 monthly. |
| $50,000 and upInterest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $2500 monthly. | 0.30% | — | Interest and APY may change after account opening. Daily balance applies. Service charge applies if balance falls below $2500 monthly. |
Sources (1)
- fnbquality.bank/personal · captured Oct 6, 2026
Personal Savings
0.05%APY
Interest is paid semi-annually on June 30 and December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceListed as Regular Savings in the rate table. Interest rate and annual percentage yield may change after account opening.Any balance | 0.05% | $5 | Listed as Regular Savings in the rate table. Interest rate and annual percentage yield may change after account opening. |
Sources (1)
- fnbquality.bank/personal · captured Oct 6, 2026
Special-purpose accounts
Health Savings Account (HSA's)
0.35%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rate and annual percentage yield may change after account opening.Any balance | 0.35% | $35 | Interest rate and annual percentage yield may change after account opening. |
Sources (1)
- fnbquality.bank/personal · captured Oct 6, 2026
Christmas Club Savings
0.10%APY
No minimum balance required. Christmas Club funds dispersed in early November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rate and annual percentage yield may change after account opening.Any balance | 0.10% | $10 | Interest rate and annual percentage yield may change after account opening. |
Sources (1)
- fnbquality.bank/personal · captured Oct 6, 2026
First Class Club
0.05%APY
Must be age 50 or better. Bearing Option available. No minimum balance required with a $5.00 per month service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rate and annual percentage yield may change after account opening.Any balance | 0.05% | $5 | Interest rate and annual percentage yield may change after account opening. |
Sources (1)
- fnbquality.bank/personal · 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.