Bank · FDIC insured
Providence Bank & Trust Savings Rates
Providence Bank & Trust’s best savings rate is 0.50% APY on $10,000, with its Achieve More Money Market. Rates checked October 16, 2026.
How Providence Bank & Trust’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Providence Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Providence Bank & Trust
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Achieve More 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
Providence Bank & Trust savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- 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 Providence Bank & Trust 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.
Achieve More Money Market
0.50%APY
Available to individuals only. Offer valid beginning September 25, 2026 and may be eliminated at any time. Requires minimum $2,500.00 opening deposit. $10.00 monthly Account Service Fee waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000Account Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. | 0.50% | $50 | Account Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. |
| $75,000 – $150,000Account Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. | 0.75% | — | Account Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. |
| $150,000 and upAccount Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. | 2.25% | — | Account Service Fee of $10.00 monthly waived if maintaining a minimum daily balance of $2,500 or a $5,000 average daily balance for the statement cycle. |
Sources (1)
- providence.bank/personal/savings-money-market · captured Sep 25, 2026
Achieve More Savings
0.25%APY
Account is available to individuals only. Electronic Statements (email or online) and automatic transfers from Providence Account(s). Six complimentary withdrawals per month; $5.00 service fee applies for each withdrawal exceeding six. Monthly service fee of $5.00 is waived if maintaining a minimum balance of $200.00 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Monthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. | 0.25% | $25 | Monthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. |
| $25,000 – $150,000Monthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. | 0.60% | — | Monthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. |
| $150,000 and upMonthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. | 2.00% | — | Monthly service fee of $5.00 waived if minimum balance of $200.00 per month is maintained. |
Sources (1)
- providence.bank/personal/savings-money-market · captured Sep 25, 2026
Special-purpose accounts
Providence Health Savings Account
0.60%APY
Must be enrolled in a qualified High Deductible Health Plan (HDHP). Used for eligible medical expenses. Funds roll over year to year. No monthly or yearly service fees. No activity charges. Electronic statements (email or online). Compounded tiered interest paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.01% | — |
| $1,000 – $5,000 | 0.50% | — |
| $5,000 and up | 0.60% | $60 |
Sources (1)
- providence.bank/personal/hsa · captured Sep 25, 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.