Compare Bank & Credit Union Rates
Best savings rates in Illinois
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 181–195 results in Illinois
- BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 178 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 - Verve, a Credit UnionVerve Optimum Money MarketVerve Optimum Money Market · $5,000 min · 0.50%–2.24% by balance
Credit union · 5 branches
0.75%APY$75 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: Non-qualified rate: Applies when not bundled with Verve Optimum Checking or when monthly qualifications are not met.
Qualified rate · 0.50% 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 0.50% $10,000 – $20,000Your amount 0.75% $20,000 – $40,000 1.00% $40,000 – $75,000 1.49% $75,000 – $125,000 1.75% $125,000 – $200,000 2.00% $200,000 and up 2.24% Rate checked
More details - Hometown National BankHometown Select Savings AccountSavings · $1,000 min · 0.20%–0.75% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: A higher yielding savings account for consumers with larger balances. Interest is earned on balances of $1,000.00 or more; compounded and credited every calendar quarter.
0.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Hometown Select Savings Account Balance APY $1,000 – $2,500 0.20% $2,500 – $5,000 0.50% $5,000 and upYour amount 0.75% Rate checked
More details - 0.75%APY$75 a year on $10,000
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 - First Security BankMoney Market AccountsMoney Market Accounts · $2,500 min · 0.75%–1.25% by balance
Bank · 4 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum average daily balance of $1,500 to avoid a $10 service fee. Minimum average daily balance to earn interest $2,500. Transactions limited to 6 per statement period.
Offer: MM Tier 4. Minimum average daily balance of $1,500 to avoid a $10 service fee.
0.75% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 and upYour amount 0.75% $25,000 and upMM Tier 3. 0.80% $50,000 and upMM Tier 2. 0.85% $100,000 and upMM Tier 1. 1.25% Rate checked
More details - Selfreliance Federal Credit UnionMoney Market AccountsMoney Market Accounts · 0.05%–3.29% by balance
Credit union · 5 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends accrue on daily balance, compound monthly and rates may be adjusted monthly. Withdrawals are limited as stated in Truth In Savings disclosure. Requires admission to membership ($5.00 par value share).
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $1,000 0.05% $1,000 – $24,999Your amount 0.75% $25,000 – $74,999 1.26% $75,000 – $249,999 1.76% $250,000 – $499,999 2.27% $500,000 and up 3.29% Rate checked
More details - First Federal Savings & Loan Association of Central Illinois S.B.Money MarketMoney Market · $1,000 min · 0.75%–1.26% by balance
Bank · 4 branches
0.75%APY$75 a year on $10,000Requirements
Product: Interest is credited to the account monthly.
Offer: Interest is credited to the account monthly.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 and up 1.26% Rate checked
More details - First Federal Savings & Loan Association of Central Illinois S.B.1st Fed SavingsSavings · $100 min
Bank · 4 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Maximum 6 third-party withdrawals per month, unlimited in person. Interest credited quarterly.
Offer: Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Interest credited quarterly.
0.75% interest rate · Effective Oct 1, 2026
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 - Chester National BankMoney Market AccountsMoney Market Accounts · $2,500 min · 0.40%–1.83% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum amount to open the account and earn the APY is $2,500.
Offer: Minimum amount to open the account and earn the APY is $2,500.
0.40% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 – $250,000 1.83% $250,000 and up 1.83% Rate checked
More details - Bloomington Municipal Credit UnionRegular Share Savings AccountSavings · $10 min
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Initial account required to become a member; allows up to two other share savings accounts for special savings purposes (college, taxes, vacation, etc.).
Rate checked
More details - Harvard Community Credit UnionMoney MarketMoney Market · $500 min · 0.50%–2.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Monthly fee of $10.00 if balance goes below $500.00.
Offer: Low APY 0.50%, High APY 0.50%. Monthly fee of $10.00 if balance goes below $500.00.
0.50% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $500 – $10,000 0.50% $10,000 – $25,000Your amountLow APY 0.75%, High APY 0.75%. 0.75% $25,000 – $100,000Low APY 0.85%, High APY 0.85%. 0.85% $100,000 – $250,000Low APY 1.10%, High APY 1.11%. 1.10% $250,000 and upLow APY 2.00%, High APY 2.02%. 2.00% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Rates change each dividend period as determined by the Board of Directors. Dividends are computed and deposited quarterly; statements sent semi-annually. Dividends are not guaranteed and are paid from current income/earnings availability after reserve transfers. Members forfeit dividend if the account is closed before accrued dividends are credited.
0.75% interest rate · Effective Feb 20, 2026
Rate checked
More details - 0.75%APY$75 a year on $10,000
0.75% interest rate · Effective Dec 15, 2025
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 Illinois
784 accounts at 327 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 1.98%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch