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Eureka Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Eureka Savings Bank's top rates as of October 7, 2026 are 4.08% APY on its 60-Month Certificate, 0.50% APY on savings, 2.27% APY on money market accounts, 0.50% APY on checking, 6.00% on its 3-Year (3/3) ARM mortgage, and auto loans from 7.025% APR, according to rates verified by MonitorBankRates. Other Eureka Savings Bank CD rates include 48-Month Certificate at 3.98%, 36-Month Certificate at 3.87%, and 30-Month Certificate at 3.77%. Other Eureka Savings Bank mortgage rates include 3-Year (3/3) ARM at 7.00%, 10 Year Fixed Rate at 7.125%, and 15 Year Fixed Rate at 7.375%. MonitorBankRates evaluates the financial stability of Eureka Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.12%. Rates last updated and verified on 10/07/2026.

Eureka Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Eureka Savings Bank? Share your experience about Eureka Savings Bank by leaving a review below, or read customer reviews before you decide to use Eureka Savings Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.12%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Eureka Savings Bank
250 Marquette St
La Salle, IL 61301
https://www.eurekasavings.com
MemberFDIC
Customer Reviews
5.0 ★ 1 review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Eureka Savings Bank CD Rates

Product Rate APY Term View More
60 Month Certificate 4.00% 4.08% 60 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.87% → 4.08% ▲ 0.21 pts · high 4.08% / low 3.87%
3.37%3.98%4.58%Sep 19, 2026: 3.87% APYOct 7, 2026: 4.08% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.08%▲ from 3.87%
  • Sep 19, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
48 Month Certificate 3.90% 3.98% 48 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 19, 2026: 3.77% APYOct 7, 2026: 3.98% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.98%▲ from 3.77%
  • Sep 19, 20263.77%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
36 Month Certificate 3.80% 3.87% 36 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.67% → 3.87% ▲ 0.20 pts · high 3.87% / low 3.67%
3.17%3.77%4.37%Sep 19, 2026: 3.67% APYOct 7, 2026: 3.87% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.87%▲ from 3.67%
  • Sep 19, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
30 Month Certificate 3.70% 3.77% 30 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.56% → 3.77% ▲ 0.21 pts · high 3.77% / low 3.56%
3.06%3.67%4.27%Sep 19, 2026: 3.56% APYOct 7, 2026: 3.77% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.77%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
24 Month Certificate 3.60% 3.67% 24 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.46% → 3.67% ▲ 0.21 pts · high 3.67% / low 3.46%
2.96%3.57%4.17%Sep 19, 2026: 3.46% APYOct 7, 2026: 3.67% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.67%▲ from 3.46%
  • Sep 19, 20263.46%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
18 Month Certificate 3.50% 3.56% 18 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35%
2.85%3.46%4.06%Sep 19, 2026: 3.35% APYOct 7, 2026: 3.56% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.56%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
12 Month Certificate 3.40% 3.46% 12 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25%
2.75%3.36%3.96%Sep 19, 2026: 3.25% APYOct 7, 2026: 3.46% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.46%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
6 Month Certificate 3.20% 3.25% 6 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05%
2.55%3.15%3.75%Sep 19, 2026: 3.05% APYOct 7, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 3.05%
  • Sep 19, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
3 Month Certificate 3.10% 3.15% 3 Month
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 2.94% → 3.15% ▲ 0.21 pts · high 3.15% / low 2.94%
2.44%3.05%3.65%Sep 19, 2026: 2.94% APYOct 7, 2026: 3.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 2.94%
  • Sep 19, 20262.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Savings Rates

Product Rate APY View More
Health Savings Account 0.50% 0.50%
Min Deposit $50
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Savings 0.10% 0.10%
Min Deposit $50
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Savings 0.10% 0.10%
Min Deposit $1
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Money Market Rates

Product Rate APY View More
Essential Money Market 2.25% 2.27%
Min Balance $1,000,000
Details Balance: $1M+
Last Updated 10/07/2026
Rate History
No change since Oct 3, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Oct 3, 2026: 2.27% APYOct 3, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 2.00% 2.02%
Min Balance $750,000
Details Balance: $750,000-$999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 27, 2026: 2.02% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 1.50% 1.51%
Min Balance $100,000
Details Balance: $100,000-$499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 1.50% 1.51%
Min Balance $500,000
Details Balance: $500,000-$749,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000-$99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 0.20% 0.20%
Min Balance $25,000
Details Balance: $25,000-$49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Money Market 0.15% 0.15%
Min Balance $2,500
Details Balance: $2,500-$24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Business Money Market Rates

Product Rate APY View More
Business Money Market 1.10% 1.11%
Min Balance $500,000
Details Balance: $500,000+
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.11% APY · checked 6 times
0.61%1.11%1.61%Sep 19, 2026: 1.11% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market 0.65% 0.65%
Min Balance $100,000
Details Balance: $100,000-$499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Sep 19, 2026: 0.65% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000-$99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 19, 2026: 0.60% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market 0.20% 0.20%
Min Balance $25,000
Details Balance: $25,000-$49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Business Money Market 0.15% 0.15%
Min Balance $2,500
Details Balance: $2,500-$24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Checking Rates

Product Rate APY View More
Essential Plus Checking 0.10% 0.10%
Min Deposit $2,500
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.50% 0.50%
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Mortgage Rates

Product Rate Points APR Term View More
3-Year (3/3) ARM 6.00% - 6.098% 30 Years
Details As Low As; ***
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 5.85% → 6.10% ▲ 0.25 pts · high 6.10% / low 5.85%
5.35%5.97%6.60%Sep 15, 2026: 5.85% APROct 7, 2026: 6.10% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.10%▲ from 5.85%
  • Sep 15, 20265.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
3-Year (3/3) ARM 7.00% - 7.136% 20 Years
Details As Low As; ***
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 6.88% → 7.14% ▲ 0.25 pts · high 7.14% / low 6.88%
6.38%7.01%7.64%Sep 19, 2026: 6.88% APROct 7, 2026: 7.14% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.14%▲ from 6.88%
  • Sep 19, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
10 Year Fixed Rate 7.125% - 7.383% 10 Years
No additional details.
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 6.50% → 7.38% ▲ 0.88 pts · high 7.38% / low 6.50%
5.62%6.94%8.26%Sep 15, 2026: 6.50% APRSep 24, 2026: 6.88% APROct 7, 2026: 7.38% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.38%▲ from 6.88%
  • Sep 24, 20266.88%▲ from 6.50%
  • Sep 15, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
15 Year Fixed Rate 7.375% - 7.562% 15 Years
No additional details.
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.68% → 7.56% ▲ 0.88 pts · high 8.07% / low 6.68%
5.30%7.37%9.45%Sep 15, 2026: 6.68% APRSep 19, 2026: 7.69% APRSep 24, 2026: 8.07% APROct 7, 2026: 7.56% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.56%▼ from 8.07%
  • Sep 24, 20268.07%▲ from 7.69%
  • Sep 19, 20267.69%▲ from 6.68%
  • Sep 15, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
20 Year Fixed Rate 7.625% - 7.777% 20 Years
No additional details.
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 6.90% → 7.78% ▲ 0.88 pts · high 7.78% / low 6.90%
6.02%7.34%8.66%Sep 15, 2026: 6.90% APRSep 24, 2026: 7.27% APROct 7, 2026: 7.78% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.78%▲ from 7.27%
  • Sep 24, 20267.27%▲ from 6.90%
  • Sep 15, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
30 Year Fixed Rate 7.75% - 7.87% 30 Years
No additional details.
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 6.99% → 7.87% ▲ 0.88 pts · high 7.87% / low 6.99%
6.11%7.43%8.75%Sep 15, 2026: 6.99% APRSep 24, 2026: 7.37% APROct 7, 2026: 7.87% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.87%▲ from 7.37%
  • Sep 24, 20267.37%▲ from 6.99%
  • Sep 15, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
10 Year Fixed Rate 8.125% - 8.39% 10 Years
Details As Low As; *
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.50% → 8.39% ▲ 1.89 pts · high 8.39% / low 6.50%
4.62%7.45%10.28%Sep 15, 2026: 6.50% APRSep 19, 2026: 7.85% APRSep 24, 2026: 8.22% APROct 7, 2026: 8.39% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20268.39%▲ from 8.22%
  • Sep 24, 20268.22%▲ from 7.85%
  • Sep 19, 20267.85%▲ from 6.50%
  • Sep 15, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
5-Year (5/5) ARM 8.375% - 8.435% 20 Years
Details As Low As; ***
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 7.88% → 8.44% ▲ 0.56 pts · high 8.44% / low 7.88%
7.32%8.16%8.99%Sep 19, 2026: 7.88% APRSep 24, 2026: 8.26% APROct 7, 2026: 8.44% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.44%▲ from 8.26%
  • Sep 24, 20268.26%▲ from 7.88%
  • Sep 19, 20267.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
15 Year Fixed Rate 8.375% - 8.568% 15 Years
Details As Low As; *
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.68% → 8.57% ▲ 1.89 pts · high 8.57% / low 6.68%
4.79%7.62%10.45%Sep 15, 2026: 6.68% APRSep 19, 2026: 7.69% APRSep 24, 2026: 8.07% APROct 7, 2026: 8.57% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20268.57%▲ from 8.07%
  • Sep 24, 20268.07%▲ from 7.69%
  • Sep 19, 20267.69%▲ from 6.68%
  • Sep 15, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
10-Year (10/10) ARM 8.625% - 8.686% 20 Years
Details As Low As; ****
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.13% → 8.69% ▲ 0.55 pts · high 8.69% / low 8.13%
7.58%8.41%9.24%Sep 19, 2026: 8.13% APRSep 24, 2026: 8.51% APROct 7, 2026: 8.69% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.69%▲ from 8.51%
  • Sep 24, 20268.51%▲ from 8.13%
  • Sep 19, 20268.13%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
10 Year Fixed Rate 8.625% - 8.724% 10 Years
Details As Low As
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.50% → 8.72% ▲ 2.22 pts · high 8.72% / low 6.50%
4.28%7.61%10.95%Sep 15, 2026: 6.50% APRSep 19, 2026: 7.85% APRSep 24, 2026: 8.22% APROct 7, 2026: 8.72% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20268.72%▲ from 8.22%
  • Sep 24, 20268.22%▲ from 7.85%
  • Sep 19, 20267.85%▲ from 6.50%
  • Sep 15, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.50% 120 Months
Details Variable rate of Prime + .5%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
6.75%7.38%8.00%Sep 15, 2026: 7.25% APRSep 19, 2026: 7.50% APRSep 15, 2026Oct 13, 2026
  • Sep 19, 20267.50%▲ from 7.25%
  • Sep 15, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
2024-New Vehicle Loan 6.375% - 7.025% 36 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 6.52% → 7.03% ▲ 0.51 pts · high 7.03% / low 6.52%
6.01%6.77%7.53%Sep 19, 2026: 6.52% APROct 7, 2026: 7.03% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.03%▲ from 6.52%
  • Sep 19, 20266.52%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2024-New Vehicle Loan 6.625% - 7.123% 48 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 6.62% → 7.12% ▲ 0.51 pts · high 7.12% / low 6.62%
6.11%6.87%7.63%Sep 19, 2026: 6.62% APROct 7, 2026: 7.12% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.12%▲ from 6.62%
  • Sep 19, 20266.62%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2024-New Vehicle Loan 6.875% - 7.282% 60 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 6.78% → 7.28% ▲ 0.51 pts · high 7.28% / low 6.78%
6.27%7.03%7.79%Sep 19, 2026: 6.78% APROct 7, 2026: 7.28% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.28%▲ from 6.78%
  • Sep 19, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2021-2023 Vehicle Loan 7.375% - 8.03% 36 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 7.52% → 8.03% ▲ 0.51 pts · high 8.03% / low 7.52%
7.01%7.78%8.54%Sep 19, 2026: 7.52% APROct 7, 2026: 8.03% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.03%▲ from 7.52%
  • Sep 19, 20267.52%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2021-2023 Vehicle Loan 7.625% - 8.128% 48 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 7.62% → 8.13% ▲ 0.51 pts · high 8.13% / low 7.62%
7.11%7.87%8.64%Sep 19, 2026: 7.62% APROct 7, 2026: 8.13% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.13%▲ from 7.62%
  • Sep 19, 20267.62%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2021-2023 Vehicle Loan 7.875% - 8.286% 60 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 7.78% → 8.29% ▲ 0.51 pts · high 8.29% / low 7.78%
7.27%8.03%8.79%Sep 19, 2026: 7.78% APROct 7, 2026: 8.29% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.29%▲ from 7.78%
  • Sep 19, 20267.78%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2019-2020 Vehicle Loan 8.375% - 9.034% 36 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 8.53% → 9.03% ▲ 0.51 pts · high 9.03% / low 8.53%
8.02%8.78%9.54%Sep 19, 2026: 8.53% APROct 7, 2026: 9.03% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20269.03%▲ from 8.53%
  • Sep 19, 20268.53%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2019-2020 Vehicle Loan 8.625% - 9.132% 48 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 8.63% → 9.13% ▲ 0.51 pts · high 9.13% / low 8.63%
8.12%8.88%9.64%Sep 19, 2026: 8.63% APROct 7, 2026: 9.13% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20269.13%▲ from 8.63%
  • Sep 19, 20268.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2018 & Older Vehicle Loan 9.875% - 10.839% 24 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 10.33% → 10.84% ▲ 0.51 pts · high 10.84% / low 10.33%
9.81%10.58%11.35%Sep 19, 2026: 10.33% APROct 7, 2026: 10.84% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 202610.84%▲ from 10.33%
  • Sep 19, 202610.33%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
2018 & Older Vehicle Loan 10.875% - 11.546% 36 Months
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 11.04% → 11.55% ▲ 0.51 pts · high 11.55% / low 11.04%
10.52%11.29%12.06%Sep 19, 2026: 11.04% APROct 7, 2026: 11.55% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 202611.55%▲ from 11.04%
  • Sep 19, 202611.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%

Eureka Savings Bank Other Rates

Product Rate Points APY/APR Term View More
5 Year Fixed Rate 8.375% - 8.552% 5 Years
Details As Low As
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 7.68% → 8.55% ▲ 0.88 pts · high 8.55% / low 7.68%
6.80%8.11%9.43%Sep 19, 2026: 7.68% APRSep 24, 2026: 8.05% APROct 7, 2026: 8.55% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20268.55%▲ from 8.05%
  • Sep 24, 20268.05%▲ from 7.68%
  • Sep 19, 20267.68%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Installment Payments Loan 15.00% - 17.942%
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 17.94% APR · checked 7 times
17.44%17.94%18.44%Sep 15, 2026: 17.94% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Essential Savings Account - - 0.10%
Min Deposit $50
Details Interest is compounded & credited quarterly. Transfers from this account to another account, or to third parties by preauthorized, automatic, telephone, or computer transfers by check, draft or similar order to third parties are limited to six (6) per statement cycle.
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Money Miners Kid 0.10% - 0.10%
Min Deposit $5
Last Updated 10/07/2026
Rate History
No change since Oct 3, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 3, 2026: 0.10% APYOct 3, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.12%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Eureka Savings Bank’s Texas Ratio rose from 7.10% in Q3 2023 to 9.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.10% A Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 9.12% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$436M9.12%5.0A
March 31, 2026$439M2.40%5.0A+
December 31, 2025$431M2.66%5.0A+
September 30, 2025$423M2.72%5.0A+
June 30, 2025$420M3.04%5.0A+
March 31, 2025$421M3.30%5.0A+
December 31, 2024$413M3.11%5.0A+
September 30, 2024$411M3.13%5.0A+
June 30, 2024$405M2.61%5.0A+
March 31, 2024$406M2.86%5.0A+
December 31, 2023$403M2.86%5.0A+
September 30, 2023$394M7.10%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Eureka Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Eureka Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Eureka Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Eureka Savings Bank
FDIC Certificate # 28401
Address 250 Marquette St, La Salle, IL 61301  ·  Lasalle
Website https://www.eurekasavings.com
Established 18850101
FDIC Insurance Date 19890809
Domestic Offices 5
Total Branches 5
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
9.12%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8918%
Return on Equity (ROE) 4.3200%
Non-Performing Loans (NPL) 1.89%
Total Assets $435,791,000
Total Deposits $319,493,000
Equity Capital $90,518,000
Net Income $1,942,000
Headquarters La Salle
Total Branches and Offices 5
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Eureka Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/eureka-savings-bank-rates-review-28401">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

brad85
★★★★★
November 30, 2023
The straightforward account setup process was a breeze, and their user-friendly interface makes managing my finances a delight. The competitive interest rates are a definite plus. Customer service has been responsive and helpful whenever I\\\'ve had an inquiry.
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Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Eureka Savings Bank

How many branches does Eureka Savings Bank operate?

Eureka Savings Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Eureka Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eureka Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Eureka Savings Bank offer online and mobile banking?

Most modern institutions like Eureka Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.eurekasavings.com.

Current Eureka Savings Bank Rates

  • 12-Month CD3.46%
  • 18-Month CD3.56%
  • 24-Month CD3.67%
  • 36-Month CD3.87%
  • 48-Month CD3.98%
  • 60-Month CD4.08%
  • Savings0.50%
  • MMA2.27%
Retrieved from our database of financial products. Rates subject to change.

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