Bank · FDIC insured
OSB Community Bank Savings Rates
OSB Community Bank’s best savings rate is 0.07% APY on $10,000, with its Insured Money Market Accounts. Rates checked October 16, 2026.
How OSB Community Bank’s savings rates compare
Compared with banks and credit unions near Ottawa, IL, where OSB Community Bank has the most branches. $10,000, best rate first.
This bank’s best
OSB Community Bank
0.07%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $7
Insured Money Market Accounts
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Grand Ridge National Bank
3.60%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $360
OSB Community Bank savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0002.27%
- QualifiedQualified0.07%
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 OSB Community 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.
Premier Money Market Account
0.15%APY
Minimum deposit to open is $50,000. $10.00 monthly service fee if daily balance on any day falls below $50,000. Interest is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rate special. $10 monthly service fee if balance falls below $50,000 on any day. | 0.15% | $15 | Rate special. $10 monthly service fee if balance falls below $50,000 on any day. |
| $50,000 – $500,000Rate special. $10 monthly service fee if balance falls below $50,000 on any day. | 2.27% | — | Rate special. $10 monthly service fee if balance falls below $50,000 on any day. |
| $500,000 – $1,000,000Rate special. $10 monthly service fee if balance falls below $50,000 on any day. | 2.63% | — | Rate special. $10 monthly service fee if balance falls below $50,000 on any day. |
| $1,000,000 and upRate special. $10 monthly service fee if balance falls below $50,000 on any day. | 3.14% | — | Rate special. $10 monthly service fee if balance falls below $50,000 on any day. |
Sources (1)
- myosb.bank/Rate-Specials · captured Oct 16, 2026
Signature Money Market Account
0.02%APY
Earns daily interest tiered based on balance. No monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Earns daily interest. | 0.02% | $2 | Earns daily interest. |
| $25,000 – $75,000Earns daily interest. | 0.07% | — | Earns daily interest. |
| $75,000 – $100,000Earns daily interest. | 0.10% | — | Earns daily interest. |
| $100,000 – $200,000Earns daily interest. | 0.12% | — | Earns daily interest. |
| $200,000 – $300,000Earns daily interest. | 0.15% | — | Earns daily interest. |
| $300,000 – $500,000Earns daily interest. | 0.18% | — | Earns daily interest. |
| $500,000 and upEarns daily interest. | 0.20% | — | Earns daily interest. |
Sources (2)
All captured Oct 16, 2026
Insured Money Market Accounts
0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.07% | $7 |
| $25,000 and up | 0.10% | — |
Sources (1)
- myosb.bank/Rates · captured Oct 16, 2026
Statement Savings Account
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.02% | $2 |
Special-purpose accounts
Christmas Club Account
0.02%APY
Club account balance transferred to the OSB account of choice in October of each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.02% | $2 |
Vacation Club Account
0.02%APY
Club account balance transferred to the OSB account of choice in June of each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.02% | $2 |
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.