Bank · FDIC insured
Shelby County State Bank Savings Rates
Shelby County State Bank’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Shelby County State Bank’s savings rates compare
Compared with banks and credit unions in Illinois, where Shelby County State Bank has the most branches. $10,000, best rate first.
This bank’s best
Shelby County State Bank
0.30%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $30
Money Market
Top rate
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
2nd-highest rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Shelby County State Bank savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.35%
- 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 Shelby County 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.
Money Market
0.30%APY
Rates effective through 2026-09-29. Rates may change after account is opened; fees or other conditions may reduce earnings. Interest compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,500Balance tier $500-$2,499.99; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. | 0.08% | — | Balance tier $500-$2,499.99; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. |
| $2,500 – $50,000Balance tier $2,500-$49,999.99; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. | 0.30% | $30 | Balance tier $2,500-$49,999.99; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. |
| $50,000 and upBalance tier $50,000-over; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. | 0.35% | — | Balance tier $50,000-over; $500 minimum balance to earn stated rate; compounded monthly. Rates effective through 2026-09-29. |
Sources (1)
- scs-bank.com/personal/current-rates · captured Sep 17, 2026
Statement Savings
0.15%APY
Rates effective through September 29, 2026. Rates may change after account is opened and fees or other conditions may reduce earnings. Interest compounded semi-annually. Statements sent quarterly. Maximum 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAll balances. Minimum balance $10.00 to earn stated rate. $1 monthly service charge if balance falls below $10. Compounded semi-annually. APY. Rates effective through September 29, 2026.$10 and up | 0.15% | $15 | All balances. Minimum balance $10.00 to earn stated rate. $1 monthly service charge if balance falls below $10. Compounded semi-annually. APY. Rates effective through September 29, 2026. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.75%APY
Rates effective through September 29, 2026. Rates may change after account is opened and fees or other conditions may reduce earnings. Interest paid/compounded monthly. $15 fee to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0All balances. Minimum balance $0.01. Compounded monthly. $10 annual fee deducted in January of each year. $15 fee to open. APY. Rates effective through September 29, 2026.Over $0 | 0.75% | $75 | All balances. Minimum balance $0.01. Compounded monthly. $10 annual fee deducted in January of each year. $15 fee to open. APY. Rates effective through September 29, 2026. |
Sources (2)
All captured Sep 17, 2026
Christmas Club
Up to 0.50%APY
Rates effective through September 29, 2026. Rates may change after account is opened and fees or other conditions may reduce earnings. Interest paid annually on October 31st. Unlimited deposits. Withdrawals between November 1 and January 31 (maximum 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Investments $1.00 to $10,000.00. Minimum balance $1.00. Compounded annually. Interest paid annually on October 31st. APY. Rates effective through September 29, 2026. | 0.50% | $50 | Investments $1.00 to $10,000.00. Minimum balance $1.00. Compounded annually. Interest paid annually on October 31st. APY. Rates effective through September 29, 2026. |
| $10,000 and upInvestments over $10,000.00. Minimum balance $1.00. Compounded annually. Interest paid annually on October 31st. APY. Rates effective through September 29, 2026. | 0.25% | $25 | Investments over $10,000.00. Minimum balance $1.00. Compounded annually. Interest paid annually on October 31st. APY. Rates effective through September 29, 2026. |
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.