West Central Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/19/2026

Mission: Banksparency aims to make West Central Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of West Central Bank

Our verdict

CD Analysis

West Central Bank offers CDs paying up to 3.34% APY on its 12 months term, across 10 term lengths.

Tracking 11 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.34% APY for a 12 months term and laddering across multiple maturities.

West Central Bank also offers Platinum Money Market 1,4 Tier 3, a money market account paying 0.75% APY with a $50,000 minimum deposit. A minimum balance of $50,000 is required to earn this rate.

At 0.75% APY, West Central Bank pays above the national money market average of 0.63%.

Additional Accounts

Platinum Money Market 1,4 Tier 2, a money market account at 0.50% APY.
Platinum Money Market 1,4 Tier 1, a money market account at 0.45% APY.
Money Market 1,4, a money market account at 0.35% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

IRA Analysis

West Central Bank also offers an IRA savings account paying up to 2.47% APY across 3 IRA products.

Tracking 3 active IRA savings products, useful for tax-advantaged retirement savings.

Best IRA use: tax-advantaged retirement saving.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Christmas Club / Vacation Club 1,4

Savings

0.30% APY

No Minimums Branch Access

Rank #197 of 337 tracked.

Savings Account 1,4

Savings

0.30% APY

Min: $100 Branch Access

Rank #198 of 337 tracked.

Platinum Money Market 1,4 Tier 3

Money Market

0.75% APY

Min: $50,000 Branch Access

Platinum Money Market 1,4 Tier 1

Money Market

0.45% APY

Min: $10,000 Branch Access

Platinum Money Market 1,4 Tier 2

Money Market

0.50% APY

Min: $25,000 Branch Access

Money Market 1,4

Money Market

0.35% APY

Min: $2,500 Branch Access

IRA 48 Month Fixed 1,4

IRA Savings

2.47% APY

Min: $25 Branch Access

IRA 24 Month Fixed 1,4

IRA Savings

2.32% APY

Min: $25 Branch Access

IRA Variable Rate 1,5

IRA Savings

2.02% APY

Min: $25 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationAshland, IL
Deposit InsuranceFDIC Insured(Cert: 10853)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
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FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by West Central Bank

Feature	Christmas Club / Vacation Club 1,4	Savings Account 1,4
APY	0.30%Verified: 8/19/2026	0.30%Verified: 8/19/2026
APY Trend	N/A	N/A
Min. Deposit	$0	$100
Min. Balance	N/A	$100
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for West Central Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$112.20(0.8%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,112.20

Effective APY

0.30%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

West Central Bank Deposit Rates Over Time

No historical data available.

Compare with West Central Bank

Feature	Current View West Central Bank	Empty Slot
Product		-
APY	0.30%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$0	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.34% Highest APY

Across 11 CD products with terms: 30 months, 36 months, 48 months, 15 months, 12 months, 1-3 months, 3 months, 6 months, 60 months, 24 months

CD Products Offered by West Central Bank

Feature	15-90 Day CD 1,2 1-3 months	3-Month CD 1,2 3 months	6-Month CD 1,2 6 months	12-Month CD 1,2 12 months	15-Month Smart Start CD 1,2 15 months	15-Month FLEX CD 1,2 15 months	24-Month CD 2 Year 1,2 24 months	30-Month FLEX CD 1,3 30 months	36-Month CD 3 Year 1,3 36 months	48-Month CD 4 Year 1,3 48 months	60-Month CD 5 Year 1,3 60 months
APY	0.70%Verified: 8/19/2026	3.03%Verified: 8/19/2026	3.29%Verified: 8/19/2026	3.34%Verified: 8/19/2026	2.27%Verified: 8/19/2026	2.27%Verified: 8/19/2026	2.32%Verified: 8/19/2026	2.37%Verified: 8/19/2026	2.42%Verified: 8/19/2026	2.47%Verified: 8/19/2026	2.52%Verified: 8/19/2026
Term	1-3 months	3 months	6 months	12 months	15 months	15 months	24 months	30 months	36 months	48 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$100	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

West Central Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by West Central Bank

Feature	Platinum Money Market 1,4 Tier 3	Platinum Money Market 1,4 Tier 2	Platinum Money Market 1,4 Tier 1	Money Market 1,4
APY	0.75%Verified: 8/19/2026	0.50%Verified: 8/19/2026	0.45%Verified: 8/19/2026	0.35%Verified: 8/19/2026
Min. Deposit	$50,000	$25,000	$10,000	$2,500
Min. Balance	$50,000	$25,000	$10,000	$2,500
Monthly Fee	N/A	N/A	N/A	N/A
Direct Deposit	None	None	None	None
In-Branch Access	Yes	Yes	Yes	Yes
Compounding	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes
Eligibility	United States	United States	United States	United States

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Bundled Savings & Checking Account

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