Bank · FDIC insured
Prairie Community Bank Savings Rates
Prairie Community Bank’s best savings rate is 0.60% APY on $10,000, with its Prairie Premier Money Market. Rates checked October 16, 2026.
How Prairie Community Bank’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Prairie Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Prairie Community Bank
0.60%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $60
Prairie Premier 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
Prairie Community Bank savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.21%
- QualifiedQualified2.00%
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.
Where Prairie 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.
Let's Grow Savings
2.00%APY on $10,000
Must have a Let's Grow Checking account. When Grow Checking qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 earn 1.9819% interest rate (2.00% APY); daily balances over $100,000 earn 0.2497% interest rate on the portion over $100,000 (resulting in 2.00% to 1.13% APY). Non-qualifying balances earn 0.05% interest rate (0.05% APY) on entire balance. Interest paid monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100,000 | 1.98% |
| $100,000 and up | 0.25% |
On $10,000 the tiers blend to about 2.00% APY, earning $200 a year.
Sources (2)
All captured Oct 16, 2026
Elite Money Market
0.80%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.80% | $80 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.11% | — |
| $100,000 and up | 1.21% | — |
| $250,000 and up | 1.31% | — |
Sources (1)
- prairiecommunitybank.com/services/current-rates · captured Oct 6, 2026
Prairie Premier Money Market
Up to 0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.50% | $50 |
| $10,000 and up | 0.60% | $60 |
| $50,000 and up | 1.00% | — |
| $100,000 and up | 1.11% | — |
| $250,000 and up | 1.21% | — |
Sources (1)
- prairiecommunitybank.com/services/current-rates · captured Oct 6, 2026
Statement Savings
0.30%APY
No quarterly service fee with $100 minimum daily balance; otherwise $6.00 quarterly fee. 6 debits per quarter included; $3.00 service fee for each debit greater than 6 in a quarter. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum daily balance to earn interest.$100 and up | 0.30% | $30 | $100 minimum daily balance to earn interest. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.35%APY
Must be covered under a qualified, high deductible health plan. No monthly service fee. No setup fee. Contributions are tax deductible. Funds roll over year-to-year automatically. Unlimited qualifying debits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum daily balance to earn interest.$100 and up | 0.35% | $35 | $100 minimum daily balance to earn interest. |
Sources (2)
All captured Oct 16, 2026
Club Account
0.30%APY
No monthly service fee. No minimum balance requirement. Interest is paid at maturity. Annual distribution paid May 1st or November 1st. No withdrawals permissible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10 minimum daily balance to earn interest.$10 and up | 0.30% | $30 | $10 minimum daily balance to earn interest. |
Sources (2)
All captured Oct 16, 2026
IRA Savings
0.30%APY
Traditional or Roth IRA available. No quarterly fee with $100 minimum daily balance; otherwise $6.00 quarterly fee. Withdrawals permitted per IRA Guidelines. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum daily balance to earn interest.$100 and up | 0.30% | $30 | $100 minimum daily balance to earn interest. |
Sources (2)
All captured Oct 16, 2026
Kool Kid Savings
0.30%APY
For minors and students. No quarterly service fee. 6 debits per quarter included; $1.00 service fee for each debit greater than 6 in a quarter. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum daily balance to earn interest.$25 and up | 0.30% | $30 | $25 minimum daily balance to earn interest. |
Sources (2)
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.