Bank · FDIC insured
West Central Bank Savings Rates
West Central Bank’s best savings rate is 0.45% APY on $10,000, with its Platinum Money Market. Rates checked October 16, 2026.
How West Central Bank’s savings rates compare
Compared with banks and credit unions near Springfield, IL, where West Central Bank has the most branches. $10,000, best rate first.
This bank’s best
West Central Bank
0.45%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $45
Platinum Money Market
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
West Central Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.45%
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 West Central 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.
Platinum Money Market
0.45%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upTier 1 | 0.45% | $45 | Tier 1 |
| $25,000 and upTier 2 | 0.50% | — | Tier 2 |
| $50,000 and upTier 3 | 0.75% | — | Tier 3 |
Sources (1)
- westcentralbank.com/rates · captured Oct 16, 2026
Money Market
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.35% | $35 |
Sources (1)
- westcentralbank.com/rates · captured Oct 16, 2026
Special-purpose accounts
IRA - Variable Rate
2.02%APY
Rate may change after the account is opened. Maintenance or activity fees could reduce earnings on the account. Early withdrawal penalty may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.02% | $202 |
Sources (1)
- westcentralbank.com/rates · captured Sep 17, 2026
Christmas Club
0.30%APY
Interest bearing account. Club checks issued to customers the first of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to obtain APY is NONE.Any balance | 0.30% | $30 | Minimum balance to obtain APY is NONE. |
Health Savings Account (HSA)
Up to 0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Tier 1 | 0.15% | $15 | Tier 1 |
| $10,000 and upTier 2 | 0.20% | $20 | Tier 2 |
| $25,000 and upTier 3 | 0.25% | — | Tier 3 |
| $50,000 and upTier 4 | 0.30% | — | Tier 4 |
Sources (1)
- westcentralbank.com/rates · captured Sep 17, 2026
Regular Savings
0.30%APY
Interest compounded and credited quarterly. A minimum balance fee of $5.00 is imposed monthly if balance falls below $100.00 any day of the month (waived for customers age 62 or older, students and children under 18, and members of the Armed Forces). $2.00 activity charge per non-automatic withdrawal in excess of 4 per month. Maximum 6 preauthorized/electronic transfers per month/statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.30% | $30 |
Vacation Club
0.30%APY
Interest bearing account. Club checks issued to customers the first of May.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to obtain APY is NONE.Any balance | 0.30% | $30 | Minimum balance to obtain APY is NONE. |
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.