Bank · FDIC insured
Itasca Bank & Trust Co. Savings Rates
Itasca Bank & Trust Co.’s best savings rate is 3.85% APY on $10,000, with its CD Bonus Savings (Companion). Rates checked October 16, 2026.
How Itasca Bank & Trust Co.’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Itasca Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Itasca Bank & Trust Co.
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Personal Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Itasca Bank & Trust Co. savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Itasca Bank & Trust Co. 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.
CD Bonus Savings (Companion)
3.85%APY
To qualify for CD Bonus Savings Account, a CD 182 days or greater must be opened at the same time. The initial deposit into the CD Bonus Savings Account must be equal to or less than the opening balance of the CD. You may not make any additional deposits after the initial deposit and only withdrawals in-person are allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTo qualify for CD Bonus Savings Account, a CD 182 days or greater must be opened at the same time. The initial deposit into the CD Bonus Savings Account must be equal to or less than the opening balance of the CD. You may not make any additional deposits after the initial deposit and only withdrawals in-person are allowed.$1,000 and up | 3.85% | $385 | To qualify for CD Bonus Savings Account, a CD 182 days or greater must be opened at the same time. The initial deposit into the CD Bonus Savings Account must be equal to or less than the opening balance of the CD. You may not make any additional deposits after the initial deposit and only withdrawals in-person are allowed. |
Sources (1)
- itascabank.com/personal/checking/interest-checking · captured Oct 16, 2026
Personal Money Market
0.50%APY
Limited to no more than 8 transfers and withdrawals per statement service charge cycle. A $10 Excess Activity Fee will be charged for each transaction listed over eight.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.50% | $50 |
Sources (2)
- itascabank.com/personal/checking/interest-checking
- itascabank.com/personal/checking/personal-money-market
All captured Oct 6, 2026
Itasca Savings
0.30%APY
$250 minimum deposit to open. No monthly service charge if balance remains at or above $250 ($5 monthly fee if balance falls below $250 anytime during the month). Limited to 8 transfers/withdrawals per statement cycle ($10 excess activity fee per transaction over 8). Overdraft Transfer Sweep automatically transfers money from Itasca Savings to checking in $100 increments with no transfer fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and up$5 monthly fee if balance falls below $250 anytime during the month; waived if balance remains at or above $250. 8 transfers/withdrawals included per cycle.$250 and up | 0.30% | $30 | $5 monthly fee if balance falls below $250 anytime during the month; waived if balance remains at or above $250. 8 transfers/withdrawals included per cycle. |
Sources (3)
- itascabank.com/personal/checking/interest-checking
- itascabank.com/personal/savings
- itascabank.com/personal/savings/itasca-savings
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.45%APY
Custodial account exclusively for paying or reimbursing qualified medical expenses for eligible individuals covered under a High-Deductible Health Plan (HDHP). $10 monthly administration charge for all single relationship accounts; fee is waived if the customer has other relationships with Itasca Bank & Trust Co. Non-medical expense withdrawals require a special Withdrawal Request Document.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500$10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. | 0.05% | — | $10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. |
| $1,500 – $10,000$10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. | 0.20% | — | $10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. |
| $10,000 and up$10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. | 0.45% | $45 | $10 monthly administration fee for single relationship accounts; waived if customer has other relationships with the bank. |
Sources (1)
- itascabank.com/personal/checking/health-savings-account · captured Oct 16, 2026
Savings IRA/SEP
0.30%APY
Traditional and Roth IRA options available. Variable rate account where interest rate and APY may change at bank discretion at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upVariable rate account; rates and APYs may change at bank discretion at any time.$250 and up | 0.30% | $30 | Variable rate account; rates and APYs may change at bank discretion at any time. |
Sources (1)
- itascabank.com/personal/saving…idual-retirement-account · captured Oct 16, 2026
Savings-Minor
0.30%APY
For those under 18. Converted to an Itasca Savings Account at age 18. No monthly service charge. 8 transfers or withdrawals per statement cycle. $100 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo monthly service charge. 8 transfers or withdrawals per statement cycle.$100 and up | 0.30% | $30 | No monthly service charge. 8 transfers or withdrawals per statement cycle. |
Sources (3)
- itascabank.com/personal/checking/interest-checking
- itascabank.com/personal/savings
- itascabank.com/personal/savings/itasca-savings
All captured Oct 16, 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.