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 31–38 results in Decatur, IL
- 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers. No monthly maintenance fees.
Offer: Applies to all balances if qualifications in Kasasa Cash or Kasasa Cash Back are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Jan 6, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $25 initial deposit must remain in the account to establish/maintain membership. No monthly service charge.
No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest paid quarterly. $2 monthly service charge if average daily balance falls below $100 during the month (waived for persons age 19 and under). $2 monthly excess withdrawal charge for each withdrawal in excess of four per month.
Offer: Compounded semi-annually. Minimum balance to obtain APY is $10. Monthly fee of $2 applies if average daily balance falls below $100 during the month (waived for persons age 19 and under).
0.05% interest rate · $2 monthly fee · Effective Nov 6, 2025
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - Heartland Bank and Trust CompanySimply SavingsSavings · $50 min · 0.03%–0.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Minimum to open the account is only $50 for 18 and over. Under 18 can open an account for $25. Average quarterly balance of $200 required to avoid $3 charge (waived for under 18). Interest compounded and credited quarterly based on daily balance. $1.75 charge per withdrawal over 9 per quarter (waived if $500 minimum quarterly balance or under 18).
Offer: Level 4 tier for daily balance of less than $25,000.
0.03% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Simply Savings Balance APY Up to $25,000Your amount 0.03% $25,000 – $100,000 0.15% $100,000 – $250,000 0.35% $250,000 and up 0.50% Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Access account securely online with online banking account. Add BIG CHANGE to accumulate and transfer debit card round-ups daily from checking to savings.
Offer: All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. The rate may change after the account is opened.
Qualified rate · 0.01% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Offer: All rates and Annual Percentage Yields (APYs) are accurate as of the effective date and are subject to change without notice. Fees may reduce earnings. The rate may change after the account is opened.
0.01% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.01%APY$1 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: Non-qualifying rate applies if linked checking account does not meet qualification cycle requirements.
Qualified rate · 0.01% interest rate · Effective Oct 2, 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