Bank · FDIC insured
Teutopolis State Bank Savings Rates
Teutopolis State Bank’s best savings rate is 0.75% APY on $10,000, with its Kasasa Saver. Rates checked October 16, 2026.
How Teutopolis State Bank’s savings rates compare
Compared with banks and credit unions near Effingham, IL, where Teutopolis State Bank has the most branches. $10,000, best rate first.
This bank’s best
Teutopolis State Bank
0.75%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $75
Kasasa Saver
Top rate
Dieterich Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Land of Lincoln Credit Union
1.46%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $146
Teutopolis State Bank savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified1.75%
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 Teutopolis 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.
Grow
1.75%APY on $10,000
Businesses are not eligible. Minimum balance required to open is $100. Monthly auto transfer required. Rates are based if monthly qualifications are met: 1 ACH Debit, 12 Debit Card transactions post and clear, Receive e-statement. Maximum deposit $200,000.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 1.73% |
| $10,000 – $20,000 | 0.20% |
| $20,000 and up | 0.15% |
On $10,000 the tiers blend to about 1.75% APY, earning $175 a year.
Sources (1)
- teutopolisstatebank.com/my-banker/client-resources/rates · captured Oct 16, 2026
Kasasa Saver
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- teutopolisstatebank.com/templa…re-template/kasasa-saver · captured Oct 16, 2026
Money Market Advantage
0.15%APY
Rate is variable, subject to change on a daily basis. Businesses are not eligible. Fees may reduce earnings. Minimum deposit of $100.00 each. Minimum withdrawal of $500.00 each. Transfers limited to 6 per statement cycle, $10.00 fee per excess transfer and subject to closure. Online Bill Pay is $5.95/month, fee waived if enrolled in e-statements. Overdraft Protection fee $10 per use.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $35,000 | 0.15% | $15 |
| $35,000 – $70,000 | 0.20% | — |
| $70,000 – $100,000 | 0.25% | — |
| $100,000 and up | 0.50% | — |
Sources (2)
- teutopolisstatebank.com/person…ng-accounts/money-market
- teutopolisstatebank.com/my-banker/client-resources/rates
All captured Oct 6, 2026
Savings
0.15%APY
Rate is variable, subject to change on a daily basis. Businesses are not eligible. Fees may reduce the earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.15% | $15 |
Sources (1)
- teutopolisstatebank.com/my-banker/client-resources/rates · captured Oct 16, 2026
Passbook Savings Account
0.02%APY
Transfers/withdrawals limited to 6 per month ($10.00 fee per excess transfer). Free account (no regular monthly maintenance fee stated).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Standard opening deposit is $100.00; minimum opening deposit for customers under the age of 18 is $25.00.Over $0 | 0.02% | $2 | Standard opening deposit is $100.00; minimum opening deposit for customers under the age of 18 is $25.00. |
Sources (2)
- teutopolisstatebank.com/personal/savings-accounts
- teutopolisstatebank.com/person…passbook-savings-account
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
0.65%APY
Personal Savings Plan. Contribute Up To $6,000 Per Year. Withdrawals may be subject to taxes, withholding, and penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum opening deposit of $500.00; minimum balance to earn interest is $0.01.Over $0 | 0.65% | $65 | Minimum opening deposit of $500.00; minimum balance to earn interest is $0.01. |
Health Savings Accounts (HSA)
0.50%APY
Variable interest rate. Businesses are not eligible. Fees may reduce the earnings on this account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.50% | $50 |
Sources (1)
- teutopolisstatebank.com/my-banker/client-resources/rates · 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.