Bank · FDIC insured
The Clay City Banking Co. Savings Rates
The Clay City Banking Co.’s best savings rate is 1.21% APY on $10,000, with its Hometown Money Market Deposit Account. Rates checked October 16, 2026.
How The Clay City Banking Co.’s savings rates compare
Compared with banks and credit unions in Illinois, where The Clay City Banking Co. has the most branches. $10,000, best rate first.
This bank’s best
The Clay City Banking Co.
1.21%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $121
Hometown Money Market Deposit Account
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
The Clay City Banking Co. savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.46%
- QualifiedQualified1.11%
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 The Clay City Banking Co. 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.
Hometown Money Market Deposit Account
1.21%APY
Avoid the $10 monthly service fee by maintaining a $25,000.00 minimum average balance. Up to 6 third-party withdrawals included per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Avoid $10 monthly service fee with $25,000.00 minimum average balance. | 1.21% | $121 | Avoid $10 monthly service fee with $25,000.00 minimum average balance. |
| $25,000 – $100,000APY range stated as 1.21% - 1.40%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. | 1.46% | — | APY range stated as 1.21% - 1.40%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. |
| $100,000 – $250,000APY range stated as 1.40% - 1.53%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. | 1.61% | — | APY range stated as 1.40% - 1.53%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. |
| Over $250,000APY range stated as 1.53% - 1.77%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. | 2.02% | — | APY range stated as 1.53% - 1.77%. Avoid $10 monthly service fee with $25,000.00 minimum average balance. |
Sources (2)
- claycitybanking.bank/personal/…oney-market-account.html
- claycitybanking.bank/services-tools/tools/rates.html
All captured Oct 16, 2026
Money Market Account
1.11%APY
Avoid the $10 monthly service fee by maintaining a $2,500 minimum average balance. $2,500 daily balance required to earn interest. Up to 6 third-party withdrawals included per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. | 1.00% | — | Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. |
| $10,000 – $25,000Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. | 1.11% | $111 | Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. |
| $25,000 and upAvoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. | 1.36% | — | Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest. |
Hometown Saver
0.60%APY
Must be tied to a Hometown Rewards checking account (Interest or Cash Back). Limit one account per Social Security Number.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounding interest; rates may change after account is opened.Any balance | 0.60% | $60 | Compounding interest; rates may change after account is opened. |
Savings Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn competitive interest paid quarterly. $5 quarterly service fee avoided by maintaining a $200 minimum daily balance. $50 minimum deposit to open waived for account holders under age 18.Any balance | 0.50% | $50 | Earn competitive interest paid quarterly. $5 quarterly service fee avoided by maintaining a $200 minimum daily balance. $50 minimum deposit to open waived for account holders under age 18. |
Special-purpose accounts
Health Savings Account (HSA)
0.55%APY
Must be covered under a high-deductible health plan (HDHP), under 65, and not enrolled in Medicare.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.55% | $55 |
| $25,000 and up | 0.60% | — |
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.