Bank · FDIC insured
United Trust Bank Savings Rates
United Trust Bank’s best savings rate is 3.90% APY on $10,000, with its New Money Only Money Market. Rates checked October 16, 2026.
How United Trust Bank’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where United Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
New Money Only Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
3rd-highest rate
Waterman Bank
3.82%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $382
United Trust Bank savings score
94
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.90%
- $100,000 balance$100,0004.00%
- QualifiedQualified3.90%
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 Trust 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.
New Money Only Money Market
3.90%APY
Available to new customers. Money market intro rate with a minimum deposit of $10,000 of money not currently on deposit with United Trust Bank. Future rates subject to change based on market conditions. Fees apply if average balance drops below $10,000. Bank reserves the right to modify or end this promotion at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $100,000New money only (funds not currently on deposit with United Trust Bank). Available to new customers. Fees apply if average balance drops below $10,000. | 3.90% | $390 | New money only (funds not currently on deposit with United Trust Bank). Available to new customers. Fees apply if average balance drops below $10,000. |
| $100,000 and upNew money only (funds not currently on deposit with United Trust Bank). Available to new customers. Fees apply if average balance drops below $10,000. | 4.00% | — | New money only (funds not currently on deposit with United Trust Bank). Available to new customers. Fees apply if average balance drops below $10,000. |
Sources (1)
- utbhome.com/personal-banking/deposit-rates · captured Sep 17, 2026
Premium Money Market Account
0.18%APY
$20 monthly service fee if balance falls below $10,000 on any day in the month. Interest compounded and credited monthly. Limited to 6 withdrawals per statement cycle (only 3 made payable to third parties). Includes complimentary checks.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $20,000 | 0.18% | $18 |
| $20,000 – $25,000 | 0.22% | — |
| $25,000 and up | 0.28% | — |
Sources (2)
All captured Sep 17, 2026
Personal Money Market Account
0.18%APY
$20 monthly service fee if balance falls below $2,500 on any day in the month. Interest compounded and credited monthly. Limited to 6 withdrawals per statement cycle (only 3 made payable to third parties). Includes complimentary checks.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $20,000 | 0.18% | $18 |
| $20,000 and up | 0.22% | — |
Sources (2)
All captured Sep 17, 2026
Statement Savings
0.10%APY
$5.00 monthly service charge waived if minimum balance of $100.00 is maintained. Withdrawals or Transfers limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000$5.00 monthly service charge if below minimum balance of $100.00 | 0.05% | — | $5.00 monthly service charge if below minimum balance of $100.00 |
| $1,000 and up$5.00 monthly service charge if below minimum balance of $100.00 | 0.10% | $10 | $5.00 monthly service charge if below minimum balance of $100.00 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Minor Savings
0.10%APY
Designed to help your child build savings. Withdrawals or Transfers limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 and up | 0.10% | $10 |
Sources (2)
All captured Sep 17, 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.