Bank · FDIC insured
Madison County Bank Savings Rates
Madison County Bank’s best savings rate is 3.40% APY on $10,000, with its Money Market TBill Checking. Rates checked October 22, 2026.
How Madison County Bank’s savings rates compare
Compared with banks and credit unions near Norfolk, NE, where Madison County Bank has the most branches. $10,000, best rate first.
This bank’s best
Madison County Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
Money Market TBill Checking
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
First Nebraska Bank
1.76%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $176
Madison County Bank savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0003.40%
- $100,000 balance$100,0003.40%
- QualifiedQualified3.40%
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 Madison County Bank 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.
Money Market TBill Checking
Up to 3.40%APY
$10,000 minimum balance to earn highest tier rate; No monthly service charge; One free debit per statement cycle ($15 fee per additional debit during statement cycle)
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No monthly service charge; One free debit per statement cycle ($15 fee per additional debit during statement cycle) | 0.35% | $35 | No monthly service charge; One free debit per statement cycle ($15 fee per additional debit during statement cycle) |
| $10,000 and upNo monthly service charge; One free debit per statement cycle ($15 fee per additional debit during statement cycle) | 3.40% | $340 | No monthly service charge; One free debit per statement cycle ($15 fee per additional debit during statement cycle) |
Sources (1)
- madisoncountybank.com/personal/checking · captured Oct 15, 2026
Money Market Checking
Up to 0.80%APY
$2,500 minimum balance requirement to avoid a $3.00 monthly service charge; $2,500 minimum balance to earn highest tier rate
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$2,500 minimum balance requirement to avoid a $3.00 monthly service charge | 0.35% | $35 | $2,500 minimum balance requirement to avoid a $3.00 monthly service charge |
| $2,500 and up$2,500 minimum balance requirement to avoid a $3.00 monthly service charge | 0.80% | $80 | $2,500 minimum balance requirement to avoid a $3.00 monthly service charge |
Sources (1)
- madisoncountybank.com/personal/checking · captured Oct 15, 2026
Special-purpose accounts
Money Market Savings Account
0.75%APY
No service charges; Minimum opening deposit is $250.00 (or $10.00 for individuals age 18 and younger)
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $89,999Minimum opening deposit for individuals age 18 and younger is $10.00; No service charges | 0.75% | $75 | Minimum opening deposit for individuals age 18 and younger is $10.00; No service charges |
| $90,000 and upMinimum opening deposit for individuals age 18 and younger is $10.00; No service charges | 2.80% | — | Minimum opening deposit for individuals age 18 and younger is $10.00; No service charges |
Sources (1)
- madisoncountybank.com/personal/savings-hsas · captured Oct 15, 2026
IRA Account
2.80%APY
Flexible savings solution to build or supplement retirement savings. No fee for contributions or distributions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No fee for contributions or distributions. Rates may change after account is opened. Fees may reduce earnings.Over $0 | 2.80% | $280 | No fee for contributions or distributions. Rates may change after account is opened. Fees may reduce earnings. |
Sources (1)
- madisoncountybank.com/personal/savings-hsas · captured Oct 5, 2026
Christmas Club Savings
0.90%APY
Savings account to help you save specifically for the holiday season. Minimum opening deposit is $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rates may change after account is opened; fees may reduce earnings.Over $0 | 0.90% | $90 | Rates may change after account is opened; fees may reduce earnings. |
Sources (1)
- madisoncountybank.com/personal/savings-hsas · captured Oct 5, 2026
Health Savings Accounts (HSAs)
Up to 0.60%APY
Requires a high-deductible health plan. Free first order of personalized checks and free unlimited check writing.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. | 0.30% | $30 | No monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. |
| $1,000 and upNo monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. | 0.40% | $40 | No monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. |
| $2,500 and upNo monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. | 0.60% | $60 | No monthly service charges. Earn interest on every dollar in your account. Rates may change after account is opened; fees may reduce earnings. |
Sources (1)
- madisoncountybank.com/personal/savings-hsas · captured Oct 5, 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.