Bank · FDIC insured
The Gerber State Bank Savings Rates
The Gerber State Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How The Gerber State Bank’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where The Gerber State Bank has the most branches. $10,000, best rate first.
This bank’s best
The Gerber State Bank
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market Accounts
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
The Gerber State Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.31%
- QualifiedQualified0.40%
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 Gerber 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 Accounts
0.40%APY
Deposit Rates Subject to Change.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,000If Below $1,000 · Unknown to open | 0.05% | Unknown | — | If Below $1,000 |
| $1,000 – $25,000$1,000 to open | 0.40% | $1,000 | $40 | |
| $25,000 – $50,000$25,000 to open | 0.65% | $25,000 | — | |
| $50,000 – $100,000$50,000 to open | 0.70% | $50,000 | — | |
| $100,000 and up$100,000 to open | 1.31% | $100,000 | — |
Sources (1)
- gerberstatebank.com/deposit-rates · captured Oct 6, 2026
Passbook Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- gerberstatebank.com/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Health Savings Accounts
0.55%APY
Must be covered under an HSA-qualified High Deductible Health Plan (HDHP), have no other first-dollar medical coverage, not be enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. Opening fee of $25.00.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,500Annual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. · $25 to open | 0.05% | $25 | — | Annual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. |
| $2,500 – $10,000Annual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. · $2,500 to open | 0.45% | $2,500 | — | Annual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. |
| $10,000 and upAnnual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. · $10,000 to open | 0.55% | $10,000 | $55 | Annual fee of $25.00 waived for accounts with prior year average ledger balances of $5,000 or greater. |
Sources (2)
All captured Oct 6, 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.