Bank · FDIC insured
St. Charles Bank & Trust Company, N.A. Savings Rates
St. Charles Bank & Trust Company, N.A.’s best savings rate is 2.00% APY on $10,000, with its Statement Savings Advanced. Rates checked October 16, 2026.
How St. Charles Bank & Trust Company, N.A.’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where St. Charles Bank & Trust Company, N.A. has the most branches. $10,000, best rate first.
This bank’s best
St. Charles Bank & Trust Company, N.A.
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Statement Savings Advanced
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
St. Charles Bank & Trust Company, N.A. savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- 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 St. Charles Bank & Trust Company, N.A. 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.
Statement Savings Advanced
2.00%APY
No minimum to open. $200 daily balance to avoid a $5 monthly maintenance fee. New money only. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Special promotional APY requires qualifying activities: open new account, mention offer or visit URL, and deposit new money at opening. Minimum daily balance of $0.01 required to obtain APY. $200 daily minimum balance avoids $5 monthly fee. Offer available to existing or closed savings account customers of WTFC/Wintrust Financial Corporation & its subsidiaries or employees. May not be available at all locations.Over $0 | 2.00% | $200 | Special promotional APY requires qualifying activities: open new account, mention offer or visit URL, and deposit new money at opening. Minimum daily balance of $0.01 required to obtain APY. $200 daily minimum balance avoids $5 monthly fee. Offer available to existing or closed savings account customers of WTFC/Wintrust Financial Corporation & its subsidiaries or employees. May not be available at all locations. |
Sources (2)
- bankstcharles.com/personal/ban…ng-account-upgrades.html
- bankstcharles.com/personal/ban…-market-cd-wintrust.html
All captured Oct 6, 2026
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