Compare Bank & Credit Union Rates
Best savings rates in Decatur, 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 Decatur, IL
- 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 - United Equity Credit UnionFree Kasasa SaverSavings · $25 min · 0.25%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers. No monthly maintenance fees.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive free e-statements during Monthly Qualification Cycle).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Jan 6, 2026
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $25,000Your amount 2.00% $25,000 and upWhen qualifications in Kasasa Cash or Kasasa Cash Back are met; 0.25% Rate checked
More details - 1st MidAmerica Credit UnionMoney Market Deposit AccountsMoney Market Deposit Accounts · 1.76%–2.02% by balance
Credit union · 1 branch
1.81%APY$181 a year on $10,000Requirements
Product: Average Monthly Balances under $2,500 are subject to a $10.00 monthly service fee, and will earn the Regular Share Rate. Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
Offer: Over $100,000.00
2.00% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Deposit Accounts Balance APY Any balance 2.02% $2,500 – $10,000 1.76% $10,000 – $25,000Your amount 1.81% $25,000 – $50,000 1.92% $50,000 – $100,000 1.97% 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 - Decatur Earthmover Credit UnionMoney MarketMoney Market · $1,000 min · 1.01%–2.12% by balance
Credit union · 2 branches
1.51%APY$151 a year on $10,000Requirements
Product: Allows up to three checks per month with a minimum of $250 per check. Initial deposit to open is $1,000 and the minimum balance is $1,000.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 1.01% $10,000 – $25,000Your amount 1.51% $25,000 – $100,000 1.92% $100,000 and up 2.12% Rate checked
More details - Land of Lincoln Credit UnionMoney MarketMoney Market · $2,500 min · 1.36%–1.80% by balance
Credit union · 3 branches
1.46%APY$146 a year on $10,000Requirements
Product: Requires a minimum balance of $2,500.00. Minimum deposit and withdrawal requirement of $100.00. Limited to 6 preauthorized withdrawals/transfers per month, with up to 3 payable to a third party / by check. Excess withdrawals subject to $20.00 fee each or account closing. NCUA and ESI insured.
Offer: Dividends calculated daily and credited monthly.
1.35% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.36% $10,000 – $25,000Your amount 1.46% $25,000 and up 1.80% Rate checked
More details - Staley Credit UnionPreferred Money Market AccountsPreferred Money Market Accounts · $0 min · 0.10%–2.75% by balance
Credit union · 3 branches
1.30%APY$130 a year on $10,000Rate by balance
Rate by balance for Preferred Money Market Accounts Balance APY Up to $2,000 0.10% $2,001 – $10,000Your amount 1.30% $10,001 – $25,000 1.80% $25,001 – $50,000 2.15% $50,001 – $150,000 2.25% $150,001 and up 2.75% Rate checked
More details - United Equity Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 1 branch
1.21%APY$121 a year on $10,000Requirements
Offer: Earn dividends by maintaining a $2,500 minimum daily average balance.
1.20% interest rate
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 - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Must be linked to a High Interest Reward Checking or Cash Back Reward Checking account. To earn qualifying rate, linked checking account must satisfy monthly qualification cycle requirements (minimum 12 debit card purchases post, receive monthly e-Statements, and log into online banking at least once during cycle); otherwise earns non-qualifying rate.
Offer: Qualifying rate tier when linked checking account meets qualification cycle requirements.
Qualified rate · 0.75% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Reward Savings Balance APY Up to $15,000Your amount 0.75% Over $15,000 0.25% Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 1 branch
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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - Scott State BankPremium Plus Money MarketPremium Plus Money Market · $10,000 min · 0.30%–1.21% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Offer: Compounding: Monthly. Minimum balance to obtain APY is $10,000.
0.30% interest rate · Effective Nov 6, 2025
Rate by balance
Rate by balance for Premium Plus Money Market Balance APY $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.40% $50,000 – $95,000 0.50% $95,000 and up 1.21% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
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 Decatur, IL
38 accounts at 15 banks and credit unions · checked Oct 16–22
- Typical
- 0.13%
- Top 10% from
- 1.59%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.45%
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Decatur, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- United Equity Credit UnionCredit union · 1 branch
- Decatur Earthmover Credit UnionCredit union · 3 branches