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 121–135 results in Illinois
- Together Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.16%–1.66% by balance
Credit union · 1 branch
1.21%APY$121 a year on $10,000Requirements
Product: Interest compounds daily on balances of $1,000 or more and pays monthly. No monthly fee.
Offer: Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999.
1.15% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $9,999 1.16% $10,000 – $24,999Your amount 1.21% $25,000 – $49,999 1.36% $50,000 – $99,999 1.51% $100,000 – $249,999 1.56% $250,000 and up 1.66% Rate checked
More details - 1.20%APY$120 a year on $10,000intro rate
Requirements
Product: NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. AMB reserves the right to accept balances over $1 million. $10.00 fee for each preauthorized transfer including checks over 6 per month.
Offer: NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month.
Promotional rate · 1.20% interest rate · $25 monthly fee · Effective Jan 12, 2026
Rate checked
More details - Northwest Municipal Federal Credit UnionRegular Share AccountsSavings · $50 min · 0.79%–3.04% by balance
Credit union · 1 branch
1.19%APY$119 a year on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid quarterly. A minimum average daily balance of $50.00 is required to earn dividends, except for members under age 18.
0.79% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Regular Share Accounts Balance APY Up to $5,000 0.79%* $5,000 – $25,000Your amount 1.19%* $25,000 – $50,000 1.81%* $50,000 and up 3.04%* Rate checked
More details - Illinois Educators CUMoney MarketMoney Market · $1,000 min · 1.16%–2.27% by balance
Credit union · 2 branches
1.16%APY$116 a year on $10,000Requirements
Product: *APR=Annual Percentage Rate.**APY=Annual Percentage Yield. All rates subject to change without notice. Rates, terms and conditions vary based on qualifications and collateral. Federally insured by NCUA. Regular Shares are Compounded Daily and Paid Quarterly. Christmas Club is compounded Daily and Paid Annually on October 15. Certificates are compounded Daily and Paid Monthly.
1.15% interest rate · Compounded daily · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $24,999Your amount 1.16% $25,000 and up 2.27% Rate checked
More details - 1.16%APY$116 a year on $10,000with conditions
Requirements
Product: Requires an active Bank First checking account with direct deposit. Limit ten (10) debit transactions per statement cycle; transactions in excess of 10 incur a $5.00 fee each.
Offer: Zero or minimal interest paid on the lowest tier; no service charge if balance drops below $10,000.00. Requires active Bank First checking account with direct deposit.
Qualified rate · 0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Elite Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 1.16% $50,000 – $100,000 1.66% $100,000 and up 1.92% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: Daily Balance Required. Maximum opening per TIN for CD and IRA specials is $1,000,000. $249,000 per account limit. Early withdrawal penalty applies.
1.15% interest rate · Effective Sep 22, 2026
Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: If balance falls below $2,500, the dividend rate will be the Regular Savings rate. Monthly dividends calculated on average daily balance.
Offer: If the Money Market balance falls below $2,500, the dividend rate will be the Regular Savings rate.
1.15% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Hometown National BankFoundations Money Market AccountFoundations Money Market Account · $2,500 min · 0.05%–1.97% by balance
Bank · 2 branches
1.11%APY$111 a year on $10,000Requirements
Product: Minimum required to open is $2,500.00. A $10.00 monthly service fee applies if the balance falls below $2,500.00 on any day during the statement cycle.
Offer: $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle.
0.05% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Foundations Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.11% $50,000 – $100,000 1.41% $100,000 – $250,000 1.71% $250,000 and up 1.97% Rate checked
More details - The Clay City Banking Co.Money Market AccountMoney Market Account · $2,500 min · 1.00%–1.36% by balance
Bank · 4 branches
1.11%APY$111 a year on $10,000Requirements
Product: Avoid the $10 monthly service fee by maintaining a $2,500 minimum average balance. $2,500 daily balance required to earn interest. Up to 6 third-party withdrawals included per month.
Offer: Avoid $10 monthly service fee with $2,500 minimum average balance; $2,500 daily balance required to earn interest.
1.00% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.11% $25,000 and up 1.36% Rate checked
More details - Salem School System Credit UnionCommon SharesSavings · $5 min · 0.50%–1.20% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Current Term Rate: Determined at end of each calendar quarter. Compounded and posted quarterly. Dates Dividends Accrue: Date of deposit to date of withdrawal. No Dividend on accounts closed prior to payment of dividends. Membership fee of $5 and $5 minimum share deposit required. Withdrawal Notice: 1 day per $500.
0.50% interest rate
Rate by balance
Rate by balance for Common Shares Balance APY Up to $500 0.50% $500 – $5,000 0.90% $5,000 – $10,000 1.00% $10,000 – $20,000Your amount 1.10% $20,000 and up 1.20% Rate checked
More details - MembersAlliance Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.95%–1.60% by balance
Credit union · 4 branches
1.10%APY$110 a year on $10,0000.95% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $10,000 0.95% $10,000 – $25,000Your amount 1.10% $25,000 – $100,000 1.35% $100,000 and up 1.60% Rate checked
More details - SIUE Credit UnionMoney MarketMoney Market · $2,500 min · 1.01%–1.26% by balance
Credit union · 1 branch
1.06%APY$106 a year on $10,0001.00% interest rate · Effective Jan 31, 2024
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 1.01%* $10,000 – $24,999Your amount 1.06%* $25,000 – $49,999 1.11%* $50,000 – $99,999 1.16%* $100,000 and up 1.26%* Rate checked
More details - Earthmover Credit UnionMoney Market AccountMoney Market Account · $1,500 min · 1.05%–1.50% by balance
Credit union · 6 branches
1.05%APY$105 a year on $10,000Requirements
Product: Credit union membership is required. Dividends are compounded monthly. Write up to three checks per month and make up to three free withdrawals per month. No monthly fee if minimum balance is maintained daily. Minimum balance to earn dividends is $1,500.
Offer: Deposit tier $1,500-10,000. Minimum deposit of $1,500 required for Money Market Accounts. No monthly fee if minimum balance is maintained daily.
1.05% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,500 – $10,000Your amount 1.05% $10,000 – $25,000 1.10% $25,000 – $50,000 1.30% Over $50,000 1.50% Rate checked
More details - Fisher National BankMoney Market PlusMoney Market Plus · $1,000 min · 1.01%–2.79% by balance
Bank · 6 branches
1.01%APY$101 a year on $10,000Requirements
Product: Must come in to bank to complete account opening process. $1,000.00 minimum balance required to open account. $1,000.00 minimum balance to avoid $15.00 monthly service fee. Transfers from the money market account to another account or to a third party by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle.
Offer: Interest paid monthly. Penalty/fee of $15.00 if balance falls below $1,000.00. Transfers limited to six per statement cycle.
1.00% interest rate · $15 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $1,000 and upYour amount 1.01% $25,000 and up 2.02% $50,000 and up 2.53% $100,000 and up 2.79% Rate checked
More details - First Federal Savings & Loan Association of Central Illinois S.B.1st Fed Savings w/ CheckingSavings · $100 min
Bank · 4 branches
1.01%APY$101 a year on $10,000with conditionsRequirements
Product: Requires checking account relationship. Interest credited quarterly.
Offer: Requires checking account relationship. Interest credited quarterly.
Qualified rate · 1.00% interest rate · Effective Oct 1, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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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