Bank · FDIC insured
The First National Bank of Sparta Savings Rates
The First National Bank of Sparta’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How The First National Bank of Sparta’s savings rates compare
Compared with banks and credit unions in Illinois, where The First National Bank of Sparta has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Sparta
0.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
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
The First National Bank of Sparta savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 First National Bank of Sparta 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
0.50%APY
The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.25% | — |
| $1,000 and up | 0.50% | $50 |
Sources (1)
- fnbsparta.bank/resources/rates · captured Oct 6, 2026
Regular Savings
0.40%APY
$3.00 service charge if average monthly balance is less than $100. Transaction limits apply. Interest rate and APY may change after account opening. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$3.00 service charge if average monthly balance is less than $100.$100 and up | 0.40% | $40 | $3.00 service charge if average monthly balance is less than $100. |
Special-purpose accounts
College Club
0.55%APY
Interest paid annually (based on 12 month CD rate). Unlimited deposits. Early withdrawal penalty may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly withdrawal penalty may apply.Any balance | 0.55% | $55 | Early withdrawal penalty may apply. |
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.