Bank · FDIC insured
Wayne Bank Savings Rates
Wayne Bank’s best savings rate is 1.02% APY on $10,000, with its Silver Eagle Money Market Account. Rates checked October 15, 2026.
How Wayne Bank’s savings rates compare
Compared with banks and credit unions near Richmond, IN, where Wayne Bank has the most branches. $10,000, best rate first.
This bank’s best
Wayne Bank
1.02%APY
- Minimum
- $50
- Earns on $10,000 a year
- $102
Silver Eagle Money Market Account
Top rate
Merchants Bank
3.75%APY
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
Kemba Credit Union
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
Wayne Bank savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0001.02%
- $10,000 balance$10,0001.02%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.02%
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 Wayne 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.
Silver Eagle Money Market Account
1.02%APY
Minimum daily balance of $500 to avoid fee. Limited to 6 third-party withdrawals or transfers by check, ATM card or similar payable per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000No minimum balance to obtain APY. | 1.02% | $102 | No minimum balance to obtain APY. |
| $25,000 – $50,000 | 1.05% | — | |
| $50,000 – $100,000 | 1.05% | — | |
| $100,000 – $250,000 | 2.02% | — | |
| $250,000 – $500,000 | 2.12% | — | |
| $500,000 – $1,000,000 | 2.58% | — | |
| $1,000,000 and up | 3.05% | — |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.15%APY
Interest is paid quarterly. Must maintain a daily balance of $100.00 to avoid a $5.00 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier applies to daily balances $0.00 - $499.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. | 0.07% | — | Tier applies to daily balances $0.00 - $499.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. |
| $500 – $10,000Tier applies to daily balances $500.00 - $9,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. | 0.07% | — | Tier applies to daily balances $500.00 - $9,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. |
| $10,000 – $25,000Tier applies to daily balances $10,000.00 - $24,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. | 0.15% | $15 | Tier applies to daily balances $10,000.00 - $24,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. |
| $25,000 – $50,000Tier applies to daily balances $25,000.00 - $49,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. | 0.20% | — | Tier applies to daily balances $25,000.00 - $49,999.99. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. |
| $50,000 and upTier applies to daily balances $50,000.00 and above. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. | 0.25% | — | Tier applies to daily balances $50,000.00 and above. Maintain a daily balance of $100.00 to avoid $5.00 monthly service charge. |
Sources (2)
- waynebankonline.com/personal/solutions/deposit-rates
- waynebankonline.com/personal/s…ons/savings-money-market
All captured Sep 18, 2026
Special-purpose accounts
Youth Savings
0.15%APY
Eligible for individuals under 18 years old. Interest is paid quarterly on any balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier applies to daily balances $0.00 - $499.99. | 0.07% | — | Tier applies to daily balances $0.00 - $499.99. |
| $500 – $10,000Tier applies to daily balances $500.00 - $9,999.99. | 0.07% | — | Tier applies to daily balances $500.00 - $9,999.99. |
| $10,000 – $25,000Tier applies to daily balances $10,000.00 - $24,999.99. | 0.15% | $15 | Tier applies to daily balances $10,000.00 - $24,999.99. |
| $25,000 – $50,000Tier applies to daily balances $25,000.00 - $49,999.99. | 0.20% | — | Tier applies to daily balances $25,000.00 - $49,999.99. |
| $50,000 and upTier applies to daily balances $50,000.00 and above. | 0.25% | — | Tier applies to daily balances $50,000.00 and above. |
Sources (2)
- waynebankonline.com/personal/solutions/deposit-rates
- waynebankonline.com/personal/s…ons/savings-money-market
All captured Sep 18, 2026
Health Savings Account
0.15%APY
Must be enrolled in a High Deductible Health Plan (HDHP). No enrollment fee. No annual fee. Minimum daily balance of $2,500, or a monthly direct deposit and eStatement to avoid a fee. Opening deposit requirement waived if employer-sponsored with direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier applies to daily balances $0.00 - $499.99. | 0.07% | — | Tier applies to daily balances $0.00 - $499.99. |
| $500 – $2,500Tier applies to daily balances $500.00 - $2,499.99. | 0.10% | — | Tier applies to daily balances $500.00 - $2,499.99. |
| $2,500 and upTier applies to daily balances $2,500.00 and above. | 0.15% | $15 | Tier applies to daily balances $2,500.00 and above. |
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.