First State Bank Savings & Money Market Rates

How First State Bank’s savings rates compare

Compared with banks and credit unions near Ottawa, IL, where First State Bank has the most branches. $10,000, best rate first.

This bank’s best
First State Bank
1.00%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$100
First Class Money Market
Top rate
Central Bank Illinois
4.00%APY
Requires
Monthly account activity
Minimum
$100
Earns on $10,000 a year
$400
Central Bank Illinois rates
2nd-highest rate
Grand Ridge National Bank
3.60%APY
Requires
None
Minimum
$5,000
Earns on $10,000 a year
$360
Grand Ridge National Bank rates

Compare savings rates near you →

85

Savings score

Higher than 69% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.15%
$10,000 balance$10,0001.00%
$100,000 balance$100,0002.27%
QualifiedQualified1.00%

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.

How the score works →

Where First State Bank ranks

By savings score, in each area where it has branches

And 1 more area →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

First Class Money Market

1.00%APY$2,500 to open

Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance. Interest compounded daily, paid monthly. Interest rate subject to change every Wednesday / every other Wednesday. Rates are variable and may change after account is opened. Fees may reduce earnings. A $50 fee will be charged if the account is closed within 90 days.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance to earn APY: $0.00 to $2,499.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.	1.00%	—	Minimum balance to earn APY: $0.00 to $2,499.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
$2,500 – $10,000Minimum balance to earn APY: $2,500.00 to $9,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.	1.00%	—	Minimum balance to earn APY: $2,500.00 to $9,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
$10,000 – $25,000Minimum balance to earn APY: $10,000.00 to $24,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.	1.00%	$100	Minimum balance to earn APY: $10,000.00 to $24,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
$25,000 – $100,000Minimum balance to earn APY: $25,000.00 to $99,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.	1.26%	—	Minimum balance to earn APY: $25,000.00 to $99,999.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
$100,000 and upMinimum balance to earn APY: $100,000.00 and Over. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.	2.27%	—	Minimum balance to earn APY: $100,000.00 and Over. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Club Account

0.25%APYClub$1 to open

No monthly service fee. No minimum balance requirements. Funds automatically released via check or deposited to an FSB account on the last Wednesday in October of each calendar year. Interest is forfeited if balance is withdrawn prior to maturity.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest is forfeited if balance is withdrawn prior to maturity (last Wednesday in October).Any balance	0.25%	$25	Interest is forfeited if balance is withdrawn prior to maturity (last Wednesday in October).

Sources (2)

All captured Sep 17, 2026

FSBSavings

0.15%APYAge limits$25 to open

Interest compounded daily, paid quarterly. Avoid $3 quarterly service fee by maintaining a $300 minimum average balance; no monthly service fee for customers under 19 or over 62 years old. A $50 fee will be charged if closed within 90 days.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.15%	$15

Sources (3)

All 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.

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