Bank · FDIC insured
First State Bank of Beecher City Savings Rates
First State Bank of Beecher City’s best savings rate is 0.60% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How First State Bank of Beecher City’s savings rates compare
Compared with banks and credit unions near Effingham, IL, where First State Bank of Beecher City has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of Beecher City
0.60%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $60
Personal Savings
Top rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Land of Lincoln Credit Union
1.46%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $146
First State Bank of Beecher City 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$100,0002.02%
- 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 State Bank of Beecher City 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.
Personal Savings
0.60%APY
Rates subject to change. Annual Percentage Yield.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.60% | $60 |
| $10,000 – $40,000 | 1.01% | — |
| Over $40,000 | 2.02% | — |
Special-purpose accounts
IRAs
3.55%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty for early withdrawalAny balance | 3.55% | $355 | Penalty for early withdrawal |
Christmas Club Savings
2.00%APY
Annual Percentage Yield. Maximum balance $3,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $3,000 | 2.00% | — |
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.