Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 of 460 results in Illinois
- 4.00%APY$410 a year on $10,000with conditions
Requirements
Product: Primary owner must be primary owner on Extreme Green Checking to qualify. Available only for residents of specific Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington. $3 paper statement fee unless $5,000 minimum daily balance is maintained or primary account owner is over 65.
Offer: If monthly qualifications are not met in Extreme Green Checking, all balances earn 0.10% APY.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Nov 4, 2026
Rate by part of balance
Rate by balance for Extreme Green Savings Balance APY Any balance 0.10% Up to $20,000When monthly qualification cycle requirements are met in Extreme Green Checking (at least 10 debit card transactions post and settle each cycle, receive direct deposit or ACH). 4.00% $20,000 and up 0.20% Each rate is paid on the part of the balance in its range.
Rate checked
More details - United Trust BankNew Money Only Money MarketNew Money Only Money Market · $10,000 min · 3.90%–4.00% by balance
Bank · 1 branch
3.90%APY$390 a year on $10,000intro rateRequirements
Product: Available to new customers. Money market intro rate with a minimum deposit of $10,000 of money not currently on deposit with United Trust Bank. Future rates subject to change based on market conditions. Fees apply if average balance drops below $10,000. Bank reserves the right to modify or end this promotion at any time.
Offer: New money only (funds not currently on deposit with United Trust Bank). Available to new customers. Fees apply if average balance drops below $10,000.
Promotional rate · 3.83% interest rate · Effective Jan 6, 2026
Rate by balance
Rate by balance for New Money Only Money Market Balance APY $10,000 – $100,000Your amount 3.90% $100,000 and up 4.00% Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.86% by balance
Bank · 7 branches
3.86%APY$386 a year on $10,000Requirements
Product: Interest paid on tiered balances. Debit card access. Monthly service fee waiver option. Fees and charges may reduce earnings.
Offer: Tier I. Listed for accounts opened online; may vary by region.
0.10% interest rate
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II. 3.86% $25,000 – $50,000Tier III. 3.86% $50,000 – $75,000Tier IV. 3.86% $75,000 – $100,000Tier V. 3.86% $100,000 – $1,000,000Tier VI. 3.86% $1,000,000 and upTier VII. 3.86% Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Limited to $1,000,000.00 per account type per household or controlled entity.
Offer: APY is paid on the entire balance.
0.00% interest rate · Effective Oct 29, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 and upYour amount 3.82% Rate checked
More details - 3.82%APY$382 a year on $10,000
3.75% interest rate · Effective Oct 29, 2026
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More details - 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
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More details - 3.75%APY$375 a year on $10,000
Requirements
Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.
Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.
3.69% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Sep 22, 2026
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More details - 3.60%APY$360 a year on $10,000intro rate
Requirements
Product: Promotion is for new customers to Grand Ridge National Bank who deposit new money (money not previously held by any Grand Ridge National Bank location). Variable rate; subject to change. Limited time offer.
Offer: Requires new money deposited by new customers. Minimum balance to open and earn stated APY is $5,000 (daily balances above $5,000). Variable rate; subject to change. Limited time offer. Service charge fee of $5 for each debit transaction in excess of three per statement cycle. $15 service charge if closed within 6 months.
Promotional rate · Effective Nov 1, 2026
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More details - 3.55%APY$355 a year on $10,000
Requirements
Product: High yield variable-rate savings account based on 91-Day Treasury Bill yield minus 1% (or based on 91-Day Treasury Bill yield). Interest rate and APY change monthly on the first business day. $10.00 monthly service fee can be waived by maintaining an average daily balance of $10,000 or enrolling in online statements. 6 free withdrawals or transfers per month; $1 per transaction thereafter.
Offer: Balances $.01 and above.
$10 monthly fee · Effective Oct 2, 2026
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More details - 3.55%APY$355 a year on $10,000with conditions
Requirements
Product: Must have Rewards Checking or Rewards Cash Back account to be eligible. Tiered interest rates applied based on meeting monthly qualifications in Rewards Checking or Rewards Cash Back. Minimum deposit to open account is $100.00. No minimum balance to earn rewards or maintain account ($100.00 balance avoids $10.00 monthly service charge). Includes 15 free w/d per quarter, $1 service charge for each additional w/d. Interest compounded monthly.
Offer: When qualifications are met in Rewards Checking or Rewards Cash Back checking account, and daily balance is up to $20,000 in Savings Account. $100.00 minimum balance to avoid a $10.00 monthly service charge. Interest compounded monthly. 15 free withdrawals per quarter, $1 for each additional.
Qualified rate · Compounded monthly · $10 monthly fee · Effective Oct 30, 2026
Rate by part of balance
Rate by balance for Rewards Saver Balance APY Up to $20,000 3.55% Over $20,000 0.60% Each rate is paid on the part of the balance in its range.
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More details - 3.45%APY$345 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/30/2026.
Offer: Tier 1 (bonus rate): At least one direct deposit per statement cycle into that checking account earns 3.45% APY.
Qualified rate · No monthly fee · Effective Oct 30, 2026
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More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 112 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 30, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 28 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 29, 2026
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More details - International Bank of ChicagoMoney Market AccountMoney Market Account · $2,500 min · 2.20%–4.00% by balance
Bank · 5 branches
3.20%APY$320 a year on $10,000intro rateRequirements
Product: Opening balance $2,500. Monthly maintenance fee $15, waived with $2,500 minimum balance.
Offer: Monthly maintenance fee $15 waived with $2,500 minimum balance. Interest credited monthly.
Promotional rate · 2.18% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 2.20% $10,000 – $99,999Your amountPromotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.20% $100,000 – $249,999Promotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.70% $250,000 and upPromotional rate for customers opening new accounts at branches in Illinois. Rate guaranteed through 06/30/2027. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 4.00% Rate checked
More details - 3.18%APY$318 a year on $10,000
Requirements
Product: Must be opened online with New Money (defined as funds not currently on deposit with Byline Bank). A minimum daily balance of $5,000 is required to avoid a $25 monthly service fee (waived on the first statement cycle). Available to Illinois and Wisconsin residents for new online customers.
Offer: Must be opened online with new funds only. $25 monthly service fee if daily balance falls below $5,000 (waived on first statement cycle). Compounded and paid monthly.
3.13% interest rate · $25 monthly fee · Effective Oct 27, 2026
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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
464 accounts at 196 banks and credit unions · checked Nov 6–7
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, 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
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches