Compare Bank & Credit Union Rates
Best savings rates in Champaign, IL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Champaign, IL
- 3.45%APY$345 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 1 bonus rate requires an active INB checking account with at least one direct deposit of payroll, Social Security, retirement, or disability income per statement cycle.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 1 branch
2.40%APY$240 a year on $10,000Requirements
Product: Opening deposit and account minimum is $2,500. Balance required to avoid a fee is $2,500. $200 minimum on withdrawals to avoid a fee.
Offer: Tier 1 rate. Balance required to avoid a fee is $2,500.
2.37% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Insured Money Market Account (IMMA) Balance APY $2,500 – $25,000Your amount 2.40% $25,000 – $50,000Tier 2 rate. 2.50% $50,000 – $100,000Tier 3 rate. 2.60% $100,000 and upTier 4 rate. 2.70% Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Optional named savings folders for separate goals; same published rate table as Holiday Saver Account. Rates subject to change daily.
Offer: TIER-1; min. to earn APY $0.01. Shared Holiday Saver schedule.
1.54% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for My Use Account Balance APY Over $0 1.55% $1,000 and upTIER-2; to earn APY $1,000.00. 1.60% $10,000 and upYour amountTIER-3; to earn APY $10,000.00. 1.65% Rate checked
More details - 1.56%APY$156 a year on $10,000
Requirements
Product: Minimum balance requirement of $2,500 to avoid a $10 monthly service fee. Limited to six transfers, including no more than six third party checks.
Offer: Rate may change after account opening. $10 monthly service fee waived with minimum balance of $2,500.
1.55% interest rate · $10 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 1 branch
1.38%APY$138 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 1.06% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 3.25% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.25% Rate checked
More details - Fisher National BankMoney Market PlusMoney Market Plus · $1,000 min · 1.01%–2.79% by balance
Bank · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Must come in to bank to complete account opening process. $1,000.00 minimum balance required to open account. $1,000.00 minimum balance to avoid $15.00 monthly service fee. Transfers from the money market account to another account or to a third party by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle.
Offer: Interest paid monthly. Penalty/fee of $15.00 if balance falls below $1,000.00. Transfers limited to six per statement cycle.
1.00% interest rate · $15 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $1,000 and upYour amount 1.01% $25,000 and up 2.02% $50,000 and up 2.53% $100,000 and up 2.79% Rate checked
More details - First State BankFirst Class Money MarketFirst Class Money Market · $2,500 min · 1.00%–2.27% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance. Interest compounded daily, paid monthly. Interest rate subject to change every Wednesday / every other Wednesday. Rates are variable and may change after account is opened. Fees may reduce earnings. A $50 fee will be charged if the account is closed within 90 days.
Offer: Minimum balance to earn APY: $0.00 to $2,499.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
1.00% interest rate · Compounded daily · $10 monthly fee
Rate by balance
Rate by balance for First Class Money Market Balance APY Up to $2,500 1.00% $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.26% $100,000 and up 2.27% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.60%APY$60 a year on $10,000with conditions
Requirements
Product: Rates are available to Power Plus Checking customers.
Offer: Available to Power Plus Checking customers.
Qualified rate · 0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.40% $10,000 – $50,000Your amount 0.60% $50,000 – $250,000 0.80% $250,000 and up 1.00% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $100.00 minimum balance to avoid a $10.00 quarterly fee/service charge. Compounded and credited quarterly. Includes 15 free withdrawals per quarter; $1 service charge for each additional withdrawal. Must come in to bank to complete account opening process.
Offer: $100.00 minimum balance required to open and obtain interest; $10.00 quarterly service charge if balance falls below $100.00. Interest compounded quarterly. 15 free withdrawals per quarter, $1 for each additional withdrawal.
0.50% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must have Rewards Checking or Rewards Cash Back account to be eligible. Tiered interest rates applied based on meeting monthly qualifications in Rewards Checking or Rewards Cash Back. Minimum deposit to open account is $100.00. No minimum balance to earn rewards or maintain account ($100.00 balance avoids $10.00 monthly service charge). Includes 15 free w/d per quarter, $1 service charge for each additional w/d. Interest compounded monthly.
Offer: Base rate if qualification in Rewards Checking or Rewards Cash Back checking account is not met. $100.00 minimum balance to avoid a $10.00 monthly service charge. Interest compounded monthly. 15 free withdrawals per quarter, $1 for each additional.
Qualified rate · Compounded monthly · $10 monthly fee · Effective Oct 16, 2026
Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Capital Money Market Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 1.51% $100,000 – $500,000 2.02% $500,000 and up 2.27% Rate checked
More details - 0.43%APY$43 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - U of I Community Credit UnionIllini Draft Money Market AccountIllini Draft Money Market Account · $0 min · 0.20%–0.75% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: There is no service charge for balances that fall under $2,500. NCUA insured. Access funds by check or electronic transfer.
0.20% interest rate
Rate by balance
Rate by balance for Illini Draft Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $25,000Your amount 0.40% $25,000 and up 0.75% Rate checked
More details - U of I Community Credit UnionJumbo Money Market AccountJumbo Money Market Account · $0 min · 0.40%–1.50% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Higher rate paid only on the portion of the balance above $50,000. NCUA insured.
0.40% interest rate
Rate by balance
Rate by balance for Jumbo Money Market Account Balance APY Up to $50,000Your amount 0.40% $50,000 and up 1.50% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Champaign, IL
45 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.23%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.40%
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Champaign, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- U of I Community Credit UnionCredit union · 5 branches
- CEFCUCredit union · 1 branch
- Credit Union 1Credit union · 1 branch