What are the current interest rates at Eureka Savings Bank?

Current rates for Eureka Savings Bank include: 12-Month CD: 3.46%, 18-Month CD: 3.56%, 24-Month CD: 3.67%, 36-Month CD: 3.87%, 48-Month CD: 3.98%, 60-Month CD: 4.08%, Savings: 0.50%, MMA: 2.27%

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Eureka Savings Bank Rates & Review October 2026

Item: Eureka Savings Bank
Rating: 5
Author: brad85

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Eureka Savings Bank's top rates as of October 14, 2026 are 4.08% APY on its 60-Month Certificates of Deposit CD, 0.50% APY on savings, 2.27% APY on money market accounts, 0.50% APY on checking, 6.00% on its Primary Residence - 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 Certificates of Deposit at 3.98%, 36-Month Certificates of Deposit at 3.87%, and 30-Month Certificates of Deposit at 3.77%. Other Eureka Savings Bank mortgage rates include Mortgage Loan - Primary Residence - 10 Year Fixed Rate at 7.125%, Mortgage Loan - Primary Residence - 15 Year Fixed Rate at 7.375%, and Mortgage Loan - Primary Residence - 20 Year Fixed Rate at 7.625%. 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 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

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

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
60 Month Certificates of Deposit	4.00%	4.08%	60 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.87% → 4.08% ▲ 0.21 pts · high 4.08% / low 3.87% Oct 14, 20264.08%▲ from 3.87% Oct 3, 20263.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
48 Month Certificates of Deposit	3.90%	3.98%	48 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77% Oct 14, 20263.98%▲ from 3.77% Oct 3, 20263.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
36 Month Certificates of Deposit	3.80%	3.87%	36 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.67% → 3.87% ▲ 0.20 pts · high 3.87% / low 3.67% Oct 14, 20263.87%▲ from 3.67% Oct 3, 20263.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
30 Month Certificates of Deposit	3.70%	3.77%	30 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.56% → 3.77% ▲ 0.21 pts · high 3.77% / low 3.56% Oct 14, 20263.77%▲ from 3.56% Oct 3, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
24 Month Certificates of Deposit	3.60%	3.67%	24 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.46% → 3.67% ▲ 0.21 pts · high 3.67% / low 3.46% Oct 14, 20263.67%▲ from 3.46% Oct 3, 20263.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
18 Month Certificates of Deposit	3.50%	3.56%	18 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 14, 20263.56%▲ from 3.35% Oct 3, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
12 Month Certificates of Deposit	3.40%	3.46%	12 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.25% → 3.46% ▲ 0.21 pts · high 3.46% / low 3.25% Oct 14, 20263.46%▲ from 3.25% Oct 3, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
6 Month Certificates of Deposit	3.20%	3.25%	6 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Oct 14, 20263.25%▲ from 3.05% Oct 3, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
3 Month Certificates of Deposit	3.10%	3.15%	3 Month
Min Deposit $1,000 Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 2.94% → 3.15% ▲ 0.21 pts · high 3.15% / low 2.94% Oct 14, 20263.15%▲ from 2.94% Oct 3, 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
Health Savings Account	0.50%	0.50%
Min Deposit $50 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Christmas Club	0.10%	0.10%
Min Deposit $1 Details Rates effective as of 10/6/2026; Rate may change after account is opened - Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Savings	0.10%	0.10%
Min Deposit $50 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Eureka Savings Bank Money Market Rates

Product	Rate	APY
Essential Money Market	2.25%	2.27%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1M+; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	2.25%	2.27%
Min Deposit $2,500 Min Balance $1 Details Balance: $1M+ Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $750,000 Details Balance: $750,000-$999,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	1.50%	1.51%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$499,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	1.50%	1.51%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000-$749,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	0.60%	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Essential Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$24,999.99; Rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Eureka Savings Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	1.10%	1.11%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	0.65%	0.65%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	0.60%	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Business Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 6 times 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 Details Rates effective as of 10/6/2026; Rate may change after account is opened - Fees could reduce earnings; National Avg: .05% Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times 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 Details Rate may change after account is opened - Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Eureka Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - Primary Residence - 3-Year (3/3) ARM	6.00%	-	6.098%	30 Years
Details Rate As Low As 6.000%; APR As Low As 6.098%; Monthly Payment As Low As $479.64; Adjustable rate, adjusts every 36 months; APR based on 80% LTV and $80,000 loan amount; rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Mortgage Loan - Primary Residence - 10 Year Fixed Rate	7.125%	-	7.383%	10 Years
Details Rate As Low As 7.125%; APR As Low As 7.383%; Monthly Payment As Low As $934.03; APR based on 80% LTV and $80,000 loan amount; rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Mortgage Loan - Primary Residence - 15 Year Fixed Rate	7.375%	-	7.562%	15 Years
Details Rate As Low As 7.375%; APR As Low As 7.562%; Monthly Payment As Low As $735.94; APR based on 80% LTV and $80,000 loan amount; rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Mortgage Loan - Primary Residence - 20 Year Fixed Rate	7.625%	-	7.777%	20 Years
Details Rate As Low As 7.625%; APR As Low As 7.777%; Monthly Payment As Low As $650.60; APR based on 80% LTV and $80,000 loan amount; rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.78% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Mortgage Loan - Primary Residence - 30 Year Fixed Rate	7.75%	-	7.87%	30 Years
Details Rate As Low As 7.750%; APR As Low As 7.870%; Monthly Payment As Low As $573.13; APR based on 80% LTV and $80,000 loan amount; rates effective as of 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.87% APR 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%	-	7.50%	120 Months
Details Variable rate of Prime + .5%; Prime Rate: 7.000%; Only available on Primary Residences; Contact our Loan Department for more details Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% 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
Vehicle Loans - 2024-New	6.375%	-	7.025%	36 Months
Details As Low As; Vehicle Year: 2024-New; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2024-New	6.625%	-	7.123%	48 Months
Details As Low As; Vehicle Year: 2024-New; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2024-New	6.875%	-	7.282%	60 Months
Details As Low As; Vehicle Year: 2024-New; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2021-2023	7.375%	-	8.03%	36 Months
Details As Low As; Vehicle Year: 2021-2023; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2021-2023	7.625%	-	8.128%	48 Months
Details As Low As; Vehicle Year: 2021-2023; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2021-2023	7.875%	-	8.286%	60 Months
Details As Low As; Vehicle Year: 2021-2023; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2019-2020	8.375%	-	9.034%	36 Months
Details As Low As; Vehicle Year: 2019-2020; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2019-2020	8.625%	-	9.132%	48 Months
Details As Low As; Vehicle Year: 2019-2020; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2018 & Older	9.875%	-	10.839%	24 Months
Details As Low As; Vehicle Year: 2018 & Older; Loans for vehicles 8 years or older only considered for current Eureka customers; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Vehicle Loans - 2018 & Older	10.875%	-	11.546%	36 Months
Details As Low As; Vehicle Year: 2018 & Older; Loans for vehicles 8 years or older only considered for current Eureka customers; APR based on a $20,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%

Eureka Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
Second Mortgage - Primary Residence - 10 Year Fixed Rate	8.625%	-	8.724%	10 Years
Details Rates As Low As; Monthly Payment As Low As: $373.92; APR based on $30,000 loan amount, 80% LTV, FICO 720+, DTI 35% or below Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Second Mortgage - Primary Residence - 10-Year (10/10) ARM	8.625%	-	8.686%	20 Years
Details Rates As Low As; Monthly Payment As Low As: $262.74; APR based on $30,000 loan amount, 80% LTV, FICO 720+, DTI 35% or below; 10-year ARM adjusts every 120 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Second Mortgage - Primary Residence - 5 Year Fixed Rate	8.375%	-	8.552%	5 Years
Details Rates As Low As; Monthly Payment As Low As: $613.55; APR based on $30,000 loan amount, 80% LTV, FICO 720+, DTI 35% or below Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Second Mortgage - Primary Residence - 5-Year (5/5) ARM	8.375%	-	8.435%	20 Years
Details Rates As Low As; Monthly Payment As Low As: $257.99; APR based on $30,000 loan amount, 80% LTV, FICO 720+, DTI 35% or below; 5-year ARM adjusts every 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.12%
Money Miners Kid	0.10%	-	0.10%
Min Deposit $5 Details Money Miners Kid's Club; Rates effective as of 10/6/2026; Rate may change after account is opened - Fees could reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 4 times 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$436M	9.12%	5.0	A
March 31, 2026	$439M	2.40%	5.0	A+
December 31, 2025	$431M	2.66%	5.0	A+
September 30, 2025	$423M	2.72%	5.0	A+
June 30, 2025	$420M	3.04%	5.0	A+
March 31, 2025	$421M	3.30%	5.0	A+
December 31, 2024	$413M	3.11%	5.0	A+
September 30, 2024	$411M	3.13%	5.0	A+
June 30, 2024	$405M	2.61%	5.0	A+
March 31, 2024	$406M	2.86%	5.0	A+
December 31, 2023	$403M	2.86%	5.0	A+
September 30, 2023	$394M	7.10%	5.0	A

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

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

Q2 2026 MBR Health & Safety Badge

Eureka Savings Bank earned the Verified Healthy badge

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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

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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.