Bank · FDIC insured
Scott State Bank Savings Rates
Scott State Bank’s best savings rate is 0.30% APY on $10,000, with its Premium Plus Money Market. Rates checked October 16, 2026.
How Scott State Bank’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where Scott State Bank has the most branches. $10,000, best rate first.
This bank’s best
Scott State Bank
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Premium Plus Money Market
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Scott State Bank savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.21%
- QualifiedQualified0.30%
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 Scott State 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.
Premium Plus Money Market
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000Compounding: Monthly. Minimum balance to obtain APY is $10,000. | 0.30% | $30 | Compounding: Monthly. Minimum balance to obtain APY is $10,000. |
| $25,000 – $50,000Compounding: Monthly. Minimum balance to obtain APY is $25,000. | 0.40% | — | Compounding: Monthly. Minimum balance to obtain APY is $25,000. |
| $50,000 – $95,000Compounding: Monthly. Minimum balance to obtain APY is $50,000. | 0.50% | — | Compounding: Monthly. Minimum balance to obtain APY is $50,000. |
| $95,000 and upCompounding: Monthly. Minimum balance to obtain APY is $95,000. | 1.21% | — | Compounding: Monthly. Minimum balance to obtain APY is $95,000. |
Sources (1)
- scottbancshares.com/personal/deposits/deposit-rates · captured Sep 17, 2026
Regular Money Market
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upCompounding: Monthly. Minimum balance to obtain APY is $2,500.$2,500 and up | 0.20% | $20 | Compounding: Monthly. Minimum balance to obtain APY is $2,500. |
Sources (1)
- scottbancshares.com/personal/deposits/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Interest is tiered and compounded semi-annually. No early withdrawals. Club checks are mailed in October.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Compounded semi-annually. Applies to balances $1.00-$5,000.00. Minimum balance to obtain APY is $1.00. | 3.00% | — | Compounded semi-annually. Applies to balances $1.00-$5,000.00. Minimum balance to obtain APY is $1.00. |
| Over $5,000Compounded semi-annually. Stated APY range is 3.00% to 0.05% for balances $5,000.01 and up. Minimum balance to obtain APY is $5,000.01. | 0.05% | $5 | Compounded semi-annually. Stated APY range is 3.00% to 0.05% for balances $5,000.01 and up. Minimum balance to obtain APY is $5,000.01. |
Sources (2)
All captured Sep 17, 2026
Health Savings Accounts (HSA)
0.35%APY
Interest is tiered and variable, compounded monthly. $2.50 monthly service charge. No minimum balance required after opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Compounded monthly. Minimum balance to obtain APY is $100. | 0.05% | — | Compounded monthly. Minimum balance to obtain APY is $100. |
| $5,000 – $10,000Compounded monthly. Minimum balance to obtain APY is $5,000. | 0.30% | — | Compounded monthly. Minimum balance to obtain APY is $5,000. |
| $10,000 – $25,000Compounded monthly. Minimum balance to obtain APY is $10,000. | 0.35% | $35 | Compounded monthly. Minimum balance to obtain APY is $10,000. |
| $25,000 – $50,000Compounded monthly. Minimum balance to obtain APY is $25,000. | 0.50% | — | Compounded monthly. Minimum balance to obtain APY is $25,000. |
| $50,000 and upCompounded monthly. Minimum balance to obtain APY is $50,000. | 0.75% | — | Compounded monthly. Minimum balance to obtain APY is $50,000. |
Sources (2)
- scottbancshares.com/personal/deposits/deposit-rates
- scottbancshares.com/personal/d…lth-savings-accounts-hsa
All captured Sep 17, 2026
Personal Savings
0.05%APY
Interest paid quarterly. $2 monthly service charge if average daily balance falls below $100 during the month (waived for persons age 19 and under). $2 monthly excess withdrawal charge for each withdrawal in excess of four per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upCompounded semi-annually. Minimum balance to obtain APY is $10. Monthly fee of $2 applies if average daily balance falls below $100 during the month (waived for persons age 19 and under).$10 and up | 0.05% | $5 | Compounded semi-annually. Minimum balance to obtain APY is $10. Monthly fee of $2 applies if average daily balance falls below $100 during the month (waived for persons age 19 and under). |
Sources (2)
All captured Sep 17, 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.