Compare Bank & Credit Union Rates
Best savings rates in Springfield, IL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Springfield, IL
- Heartland Credit UnionPlatinum Money MarketPlatinum Money Market · $0 min · 1.00%–3.20% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Rates for approved members. Account is for balances of $25,000 or more. No fees to maintain the account and no withdrawal fees. Dividends compound and pay monthly.
1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Platinum Money Market Balance APY Up to $25,000Your amount 1.00% $25,000 – $50,000 2.43% $50,000 – $100,000 2.63% $100,000 – $250,000 2.94% $250,000 and up 3.20% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
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 - 0.85%APY$85 a year on $10,000
Requirements
Product: Primary savings account and basic building block for all HCU accounts. Minimum opening deposit of $6 ($5 deposit plus a one-time $1 membership fee). Minimum balance is $5. No monthly service charge.
Offer: Dividends compound and pay monthly on balances of $100 and above for members age 18 and older. $5 returned upon leaving HCU.
0.85% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: Required of every member as a condition of membership. Dividends are earned daily and paid monthly.
0.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - INBPremier Money Market SavingsPremier Money Market Savings · 0.20%–1.00% by balance
Bank · 4 branches
0.60%APY$60 a year on $10,000with conditionsRequirements
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 - Warren-Boynton State BankMoney MarketMoney Market · $2,500 min · 0.50%–2.02% by balance
Bank · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Fees could reduce earnings on this account. The interest rate and annual percentage yield (APY) may change after account opening. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Effective May 20, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and up 0.50% $10,000 and upYour amount 0.55% $25,000 and up 0.75% $50,000 and up 1.11% $100,000 and up 1.61% $250,000 and up 2.02% Rate checked
More details - Funeral Service Credit UnionShare SavingsSavings · $25 min · 0.30%–0.55% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Deposits and withdrawals may be made at any time and in any amount. Dividends are paid quarterly in March, June, September and December and are computed on the average daily balance in the account.
0.30% interest rate · Effective Aug 18, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,000 0.30% $1,000 – $5,000 0.40% Over $5,000Your amount 0.55% Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 3 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 - West Central BankPlatinum Money MarketPlatinum Money Market · $10,000 min · 0.45%–0.75% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000Requirements
Offer: Tier 1
0.45% interest rate · Effective Dec 16, 2025
Rate by balance
Rate by balance for Platinum Money Market Balance APY $10,000 and upYour amount 0.45% $25,000 and upTier 2 0.50% $50,000 and upTier 3 0.75% 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 - 0.35%APY$35 a year on $10,000
0.35% interest rate · Effective Dec 16, 2025
Rate checked
More details - Alliance Community BankAlliance Money MarketAlliance Money Market · $2,500 min · 0.25%–2.48% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. No minimum balance required to obtain Annual Percentage Yield.
0.25% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Alliance Money Market Balance APY Up to $10,000 0.25% $10,000 – $50,000Your amount 0.35% $50,000 – $100,000 0.50% $100,000 – $500,000 0.80% $500,000 – $1,500,000 2.22% $1,500,000 and up 2.48% Rate checked
More details - 0.30%APY$30 a year on $10,000
0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $8 monthly maintenance fee waived with $2,500 minimum daily balance. Rates vary by daily balance tier.
Offer: Daily balances up to $999.99 earn 0.20% APY.
0.20% interest rate · $8 monthly fee
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% 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
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 Springfield, IL
60 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.30%
- Top 10% from
- 2.00%
- Banks, typical
- 0.20%
- Credit unions, typical
- 1.01%
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Springfield, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cooperative Choice Network Credit UnionCredit union · 1 branch
- Heartland Credit UnionCredit union · 3 branches
- Illinois Educators CUCredit union · 2 branches