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Compare Bank & Credit Union Rates

Top-rated banks and credit unions

Ranked by Carrot Score: how each one’s CD, savings, auto loan and credit card rates compare with every U.S. bank and credit union.

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Top-rated in Effingham, IL metro

Showing 1–9 of 9 scored

  1. Land of Lincoln Credit UnionCDs 74 · Savings 87 · Auto 83 · Cards 71

    Credit union · 2 branches

    84Carrot Score#1 in Effingham, IL metro
  2. First State Bank of Beecher CityCDs 88 · Savings 82

    Bank · 1 branch

    82Carrot Score#2 in Effingham, IL metro
  3. Teutopolis State BankCDs 79 · Savings 84

    Bank · 2 branches

    77Carrot Score#3 in Effingham, IL metro
  4. First National Bank of WaterlooCDs 84 · Savings 75 · Auto 62

    Bank · 1 branch

    73Carrot Score#4 in Effingham, IL metro
  5. Dieterich BankCDs 79 · Savings 77

    Bank · 5 branches

    71Carrot Score#5 in Effingham, IL metro
  6. Washington Savings BankCDs 82 · Savings 69

    Bank · 2 branches

    68Carrot Score#6 in Effingham, IL metro
  7. Crossroads BankCDs 84 · Savings 67

    Bank · 2 branches

    68Carrot Score#7 in Effingham, IL metro
  8. Constitution BankCDs 72 · Savings 68

    Bank · 1 branch

    64Carrot Score#8 in Effingham, IL metro
  9. First Mid Bank & TrustCDs 65 · Savings 66

    Bank · 3 branches

    62Carrot Score#9 in Effingham, IL metro

Ranked by Carrot Score: how each institution’s CD, savings, auto loan and credit card rates compare with every U.S. bank and credit union. Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. 5 of the 14 institutions with a branch in Effingham, IL metro have too few rates published or captured to score. Rankings are a preview, not awards.