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 76–90 results in Illinois
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Reward Checking account (Real Rewards or Premium Checking). Limit of one Premium Saver account per social security number.
Offer: Earned on balances up to and including $100,000 when linked Reward Checking account qualifications are met during a Monthly Qualification Cycle (at least 1 direct deposit/ACH credit or debit, at least 12 debit card purchases post and settle, and enrolled in e-statements).
Qualified rate · 1.98% interest rate · No monthly fee · Effective May 20, 2025
Rate by balance
Rate by balance for Premium Saver Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.50%* Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Scott Credit UnionMoney Market AccountMoney Market Account · 1.80%–2.05% by balance
Credit union · 18 branches
1.95%APY$195 a year on $10,0001.79% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 1.80% $2,500 – $10,000 1.95% $10,000 – $25,000Your amount 1.95% $25,000 – $50,000 2.00% $50,000 and up 2.05% Rate checked
More details - Midwest Members Credit UnionMoney Market PlusMoney Market Plus · $2,500 min · 1.76%–2.02% by balance
Credit union · 3 branches
1.81%APY$181 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Minimum daily balance of $2,500.00 must be maintained to earn disclosed rate. Dividends compound and paid monthly. Free online and mobile banking.
Offer: Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.
1.75% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $2,500 – $9,999 1.76% $10,000 – $24,999Your amount 1.81% $25,000 – $49,999 1.92% $50,000 – $99,999 1.97% $100,000 and up 2.02% Rate checked
More details - 1st MidAmerica Credit UnionMoney Market Deposit AccountsMoney Market Deposit Accounts · 1.76%–2.02% by balance
Credit union · 9 branches
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 - Revity Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.80%–2.00% by balance
Credit union · 8 branches
1.80%APY$180 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $2,500 minimum/average balance. Six withdrawals per month (fee per transaction applies after six). Minimum $300 withdrawal amount. Direct check-writing ability.
Offer: Avoid $10 monthly service fee by maintaining a $2,500 minimum/average balance.
1.80% interest rate · $10 monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 1.80% $25,000 – $50,000 1.85% $50,000 – $75,000 1.90% $75,000 – $100,000 1.95% $100,000 and up 2.00% Rate checked
More details - DeWitt Savings BankE-Z ManagementE-Z Management · $2,500 min · 0.50%–1.77% by balance
Bank · 2 branches
1.77%APY$177 a year on $10,000intro rateRequirements
Product: Variable-rate, no-term money market. Limited to 6 withdrawals per month. Rates may change after account opening. Fees may reduce earnings.
Offer: Tier 1; min balance to earn APY $1.00.
Promotional rate · 0.50% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for E-Z Management Balance APY $1 and up 0.50% $2,500 and upYour amountTier 2; 1.77% Rate checked
More details - SIU Credit UnionCustom Money MarketCustom Money Market · $0 min · 1.61%–2.07% by balance
Credit union · 6 branches
1.71%APY$171 a year on $10,000Requirements
Product: Dividend rates are tiered.
Offer: Tier 1 ($0.01-$4999.99); minimum balance to earn dividends is $0.01
1.60% interest rate
Rate by balance
Rate by balance for Custom Money Market Balance APY Up to $5,000 1.61% $5,000 – $10,000 1.66% $10,000 – $25,000Your amount 1.71% $25,000 – $50,000 1.81% $50,000 – $100,000 1.97% $100,000 and up 2.07% Rate checked
More details - 1.66%APY$166 a year on $10,000
1.55% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for REGULAR SAVINGS Balance APY Up to $1,000 1.56% $1,000 – $10,000 1.61% $10,000 and upYour amount 1.66% 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 - Illinois State Credit UnionMoney MarketMoney Market · 0.50%–2.11% by balance
Credit union · 5 branches
1.65%APY$165 a year on $10,000Requirements
Product: Dividends paid monthly on the average daily balance. One free withdrawal per month. Fees could reduce earnings on the account. Rates are effective 07/31/2026 and may change without notice.
Offer: Balance less than $2,500.
0.50% interest rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.50% $2,500 – $9,999 1.45% $10,000 – $24,999Your amount 1.65% $25,000 – $74,999 1.91% $75,000 and up 2.11% Rate checked
More details - Heartland Credit UnionBasic Money MarketBasic Money Market · $0 min · 0.00%–2.38% by balance
Credit union · 3 branches
1.61%APY$161 a year on $10,000Requirements
Product: Rates for approved members. No fees to maintain the account and no withdrawal fees. Dividends compound and pay monthly.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Basic Money Market Balance APY Up to $2,000 0.00% $2,000 – $10,000 1.21% $10,000 – $25,000Your amount 1.61% $25,000 and up 2.38% Rate checked
More details - Bloomington Municipal Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $2,500 min
Credit union · 1 branch
1.61%APY$161 a year on $10,000Requirements
Product: Requires a $2,500 minimum balance with only three withdrawals or transfers per month. If more than three transactions are conducted in a month or the balance goes below $2,500.00, there is a $10 monthly fee.
Offer: Compounded daily, paid quarterly. $10 monthly fee applies if more than 3 transactions/withdrawals per month or balance falls below $2,500.
1.60% interest rate · Compounded daily · $10 monthly fee · Effective Mar 19, 2025
Rate checked
More details - Partnership Financial Credit UnionPartner Plus High Yield Savings AccountSavings · $5,000 min
Credit union · 7 branches
1.61%APY$161 a year on $10,000with conditionsRequirements
Product: Requires Active Checking Account and Active Bill Pay. All three services must be maintained throughout the life of the account. If the account balance falls below an average daily balance of $5,000, no dividends will be paid.
Offer: All dividends are paid monthly on the average daily balance per month. Active Checking Account and Active Bill Pay required. If account balance falls below average daily balance of $5,000, no dividends will be paid.
Qualified rate · 1.60% interest rate · Balance cap $250,000
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 Illinois
783 accounts at 327 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 1.92%
- 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