Best savings rates in Illinois

Requirements

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.

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).

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.

Requirements

Product: Write up to 3 checks per month directly from account; up to 6 withdrawals monthly. Earn rates on balances of $2,500+.

Requirements

Product: Minimum balance $2,000 required to avoid below minimum fee. Dividend rate and APY may change every dividend period as determined by the Board of Directors. Below minimum balance fee applies if balance falls below minimum during any month.

Offer: Below $2,000 average daily balance.

Requirements

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.

Requirements

Product: Monthly maintenance fee is $0 or $20; waived with a $15,000 minimum daily balance.

Offer: Monthly maintenance fee waived with a $15,000 minimum daily balance.

Requirements

Product: Linked Kasasa Cash or Kasasa Cash Back account required. Limit 1 account per social security number. Direct deposit or ACH, online banking login, 12 debit card purchases, and e-statements required for qualifying rewards tier.

Offer: When qualifications in linked Kasasa Cash/Cash Back account are met (at least 1 direct deposit or ACH transaction, 12 debit card purchases post and settle, enrolled in e-statements, log into online banking).

Requirements

Product: Minimum balance of $25.00 required. Opening regular shares enables access to other credit union products and services.

Offer: $100.00 minimum balance required to receive dividends; $25.00 minimum balance required.

Requirements

Product: Minimum deposit or withdrawal of at least $250.00 required.

Offer: Minimum deposit or withdrawal of at least $250.00 required.

Requirements

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).

Requirements

Product: Requires a Kasasa Cash or Kasasa Cash Back checking account. Kasasa rewards are automatically transferred into Kasasa Saver. If qualifications are not met in a month, account is still free; if disqualified for 3 consecutive months, checking account is converted to a regular, free MFCCU Checking Account.

Offer: Applies on balances up to $25,000 when qualifications are met.

Requirements

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.

Requirements

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.

Requirements

Product: Used for specific purposes or events such as tax payments, home escrow, insurance premiums, or unexpected emergencies. Dividends paid monthly based on daily average balance.

Offer: Dividends paid monthly based on the daily average balance.