Compare Bank & Credit Union Rates
Best savings rates in Chicago, IL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Chicago, IL
- 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Linked to a free Kasasa Cash or Kasasa Cash Back account; limit 1 account per social security number; automatic transfer of rewards from checking.
Offer: Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualifications: at least 12 debit card purchases post and settle, enrolled and receive eStatement notice, enrolled and log into online banking.
Qualified rate · 1.48% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 1.41%APY$141 a year on $10,000
Requirements
Product: Dividend rate currently paid on all balances of $25 and up and are tiered. Monthly deposits up to $2,000 and a once-a-year deposit up to $20,000; total deposits up to $44,000 in a one-year period. Interest paid on every dollar in the account. Rates subject to change and not guaranteed.
Offer: Share dividend/interest tier: amounts $0 to $50,000. Separate text states dividends are paid on balances of $25 and up.
1.40% interest rate
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $50,000Your amount 1.41%* $50,001 – $100,000 1.66%* $100,001 – $150,000 2.17%* $150,001 – $200,000 2.69%* $200,001 and up 3.20%* Rate checked
More details - 1.25%APY$125 a year on $10,000intro rate
Requirements
Product: Higher dividend paid monthly; additional deposits allowed at any time.
Offer: Valid through 10/11/2026.
Promotional rate
Rate by balance
Rate by balance for IMMA Balance APY $2,000 and up 1.25% $10,000 and upYour amount 1.25% $25,000 and up 1.40% $50,000 and up 1.50% $100,000 and up 2.15% $500,000 and up 2.65% $1,000,000 and up 3.50% $2,000,000 and up 3.50% $5,000,000 and up 3.50% Rate checked
More details - MSU Federal Credit UnionMoney Market CheckingMoney Market Checking · $2,000 min · 1.25%–1.85% by balance
Credit union · 6 branches
1.25%APY$125 a year on $10,000intro rateRequirements
Product: Dividends are calculated daily and paid monthly on balances of $2,000 or more. A monthly fee of $5.00 applies if the balance falls below $2,000. No debit card required and paper statements are optional. Membership in MSUFCU requires opening a Spartan Saver account with a $5 opening deposit.
Offer: Tier 1 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.
Promotional rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,000 and up 1.25% $10,000 and upYour amountTier 2 rate. 1.25% $50,000 and upTier 3 rate. 1.50% $100,000 and upTier 4 rate. 1.85% Rate checked
More details - 1.20%APY$120 a year on $10,000intro rate
Requirements
Product: NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. AMB reserves the right to accept balances over $1 million. $10.00 fee for each preauthorized transfer including checks over 6 per month.
Offer: NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month.
Promotional rate · 1.20% interest rate · $25 monthly fee · Effective Jan 12, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Maintenance fee applies only when account balance falls below $200 minimum balance any day during the month. Accounts with $0 balance for 30 days will be automatically closed.
Offer: Credit frequency: Quarterly. Daily collected balance method. The APY is paid on the full balance for that tier. Monthly maintenance fee of $5 waived with minimum balance of $200.
1.00% interest rate · $5 monthly fee · Effective Sep 21, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.
Offer: Two-Star Award: Meet requirements for preceding level (maintain Power Checking Account) and use VISA Debit Card for at least 4 purchases a month (purchases only; ATM withdrawals do not apply).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.
Offer: Withdrawals restricted to May, June, July, and August.
Effective Aug 25, 2026
Rate checked
More details - Great Lakes Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 5 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Requires minimum deposit of $2,500 to open and minimum average daily balance of $2,500 to earn stated dividends. Up to 6 transfers/withdrawals per month. Additional APY available with qualifying Free Checking Account debit card transactions.
Offer: Tier 3: Earn an additional 1.00% APY on accompanying Money Market account with 40 or more Free Checking Account debit card transactions.
Qualified rate
Rate checked
More details - Belmont Bank & Trust CompanyFree Kasasa SaverSavings · $50 min · 0.10%–1.00% by balance
Bank · 4 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Monthly e-statements are a condition of this account. Limit 1 account per social security number. No monthly maintenance fees.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met (at least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction and at least 12 debit card purchases post and settle per monthly qualification cycle).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Aug 31, 2020
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $100,000Your amount 1.00% $100,000 and upWhen qualifications in linked Kasasa Cash or Kasasa Cash Back account are met; 0.10%* Rate checked
More details - Verve, a Credit UnionVerve Optimum Money MarketVerve Optimum Money Market · $5,000 min · 0.75%–3.24% by balance
Credit union · 5 branches
0.99%APY$99 a year on $10,000with conditionsRequirements
Product: Tiered rate account. Dividends compound and credit monthly. Minimum daily balance of $5,000.00 to earn dividends. Once a particular balance tier is met, the rate applies to the full balance. Higher bundled APYs require an open Verve Optimum Checking account with qualifying monthly aggregate ACH direct deposits totaling $1,000 or greater, a valid email address on file, and enrollment in eStatements. If qualifications are not met or the account is non-bundled, non-qualified rates apply. Membership requires purchasing and maintaining at least one $5.00 par value share in a Verve Ownership Share Account.
Offer: Qualified rate: Requires bundling with qualifying Verve Optimum Checking with monthly aggregate ACH direct deposits of $1,000+, valid email, and eStatements.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Jan 13, 2026
Rate by balance
Rate by balance for Verve Optimum Money Market Balance APY $5,000 – $10,000 0.75% $10,000 – $20,000Your amount 0.99% $20,000 – $40,000 1.49% $40,000 – $75,000 2.24% $75,000 – $125,000 2.75% $125,000 – $200,000 2.99% $200,000 and up 3.24% Rate checked
More details - NuMark Credit UnionMoney MarketMoney Market · $0 min · 0.30%–3.00% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Limited withdrawals (6 free each statement cycle). Fees may reduce earnings. Option of ordering checks.
Offer: Limited withdrawals (6 free each statement cycle). Minimum balance to earn interest is $0.01.
0.30% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,000 0.30% $2,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 2.50% $250,000 and up 3.00% Rate checked
More details - First Northern Credit UnionMoney Market DemandMoney Market Demand · $0 min · 0.05%–1.15% by balance
Credit union · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly by the Board of Directors; dividends paid retroactively based on earnings. Listed APYs are for the period ending 2026-06-30. No monthly maintenance fee if minimum average daily balance is met ($2,500). Up to 6 withdrawals/transfers per month; no more than 3 of those by check, draft, or similar order. Convenient check writing with free standard checks for life.
Offer: APY for $0–$2,499.99. This balance is below the $2,500 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.
$15 monthly fee
Rate by balance
Rate by balance for Money Market Demand Balance APY Up to $2,500 0.05% $2,500 – $25,000Your amountAPY for $2,500–$24,999.99. $15 monthly fee if ADB falls below $2,500 during a statement cycle; Must maintain minimum ADB to obtain disclosed APY. 0.85% $25,000 and upAPY for $25,000 and above. $15 monthly fee if average daily balance falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY. 1.15% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 29 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Maroon Financial Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.00%–1.77% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Avoid the $25 monthly service fee by maintaining a $2,500 minimum balance. Includes 6 free transactions per month by pre-authorized automatic, telephone, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. Unlimited in-person or mail withdrawals.
Offer: Minimum balance to earn stated APY is $2,500. $25 monthly service fee waived by maintaining a $2,500 minimum balance.
0.00% interest rate · $25 monthly fee · Effective Jul 28, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $19,999Your amount 0.75% $20,000 – $74,999 1.51% $75,000 and up 1.77% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Chicago, IL
152 accounts at 56 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.93%
- Banks, typical
- 0.12%
- Credit unions, typical
- 0.25%
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Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches