Bank · FDIC insured
United State Bank Savings Rates
United State Bank’s best savings rate is 1.00% APY on $10,000, with its Advantage Money Market. Rates checked October 16, 2026.
How United State Bank’s savings rates compare
Compared with banks and credit unions near Quincy, IL-MO, where United State Bank has the most branches. $10,000, best rate first.
This bank’s best
United State Bank
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Advantage Money Market
Top rate
HomeBank
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
2nd-highest rate
Members First Community CU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
United State Bank savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.36%
- QualifiedQualified1.00%
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 United 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.
Advantage Money Market
1.00%APY
Must maintain average daily balance of $1,000 per statement period to earn interest. $10.00 Service Charge if average daily balance during a statement cycle falls below $1,000. Interest compounded and paid monthly. Preauthorized/electronic withdrawals or transfers limited to no more than 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Must maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. | 0.75% | — | Must maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. |
| $2,500 – $50,000Must maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. | 1.00% | $100 | Must maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. |
| $50,000 and upMust maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. | 1.36% | — | Must maintain average daily balance of $1,000 per statement period to earn interest; $10.00 monthly service charge waived if average daily balance during statement cycle is $1,000 or more. |
USB Plus Money Market
0.75%APY
No minimum balance required to earn interest. $25.00 Service Charge if average daily balance during a statement cycle falls below $25,000. Interest compounded and paid monthly. Preauthorized/electronic withdrawals or transfers limited to no more than 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000No minimum balance required to earn interest; $25.00 monthly service charge waived if average daily balance during statement cycle is $25,000 or more. | 0.75% | $75 | No minimum balance required to earn interest; $25.00 monthly service charge waived if average daily balance during statement cycle is $25,000 or more. |
| $25,000 and upNo minimum balance required to earn interest; $25.00 monthly service charge waived if average daily balance during statement cycle is $25,000 or more. | 1.26% | — | No minimum balance required to earn interest; $25.00 monthly service charge waived if average daily balance during statement cycle is $25,000 or more. |
Regular Savings
0.25%APY
No minimum balance required to earn interest. Interest compounded and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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.