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 results in Carbondale, IL metro
- SIU Credit UnionCustom Money MarketCustom Money Market · $0 min · 1.61%–2.07% by balance
Credit union · 2 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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash account. Qualifications to earn the higher rate include at least 1 direct deposit, ACH credit, or ACH payment transaction, at least 10 debit card purchases post and settle, enrollment in eStatements, and logging into digital banking per Monthly Qualification Cycle. No monthly service fee.
Offer: When linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle (at least 1 direct deposit/ACH credit/payment, at least 10 debit card purchases, eStatements, and digital banking login).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash® Plus account. Qualifications to earn the higher rate include at least 1 direct deposit, ACH credit, or ACH payment transaction, at least 30 debit card purchases post and settle, enrollment in eStatements, and logging into digital banking per Monthly Qualification Cycle. No monthly service fee.
Offer: When linked Kasasa Cash Plus account qualifications are met during a Monthly Qualification Cycle (at least 1 direct deposit/ACH credit/payment, at least 30 debit card purchases, eStatements, and digital banking login).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
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.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Requires $5 opening deposit.
0.00% interest rate · Effective Mar 1, 2023
Rate by balance
Rate by balance for Membership Shares Balance APY Up to $5 0.00% Up to $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - SIU Credit UnionBailey Bobcat SavingsSavings · $5 min · 0.00%–0.50% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Only $5 to Open. No Minimum Balance. Dividends Paid Monthly. One Free Withdrawal per Month $5 for Each Additional.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Bailey Bobcat Savings Balance APY Up to $5 0.00% Up to $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - SIU Credit UnionCustom Daily SavingsSavings · $0 min · 0.00%–0.50% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Custom Daily Savings Balance APY Up to $500 0.00% $500 – $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.30% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Premier Now Balance APY Up to $1,000 0.00% $1,000 – $2,000 0.20% $2,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 and up 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Offer: $1.00 charge if balance falls below $100.00. Minimum daily balance of $100.00 to earn disclosed APY.
0.30% interest rate · Effective May 1, 2025
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Earns tiered-rate interest credited monthly. Avoid the $10 monthly service fee by maintaining a $2,500 minimum daily balance. Transfers from this account to another account or to third parties by preauthorized, automatic, mobile device, telephone, computer transfer (including bill payments), withdrawals made by check, debit card, or similar order are limited to 6 per month (excess transfer fee of $10.00 per item applies).
Offer: Requires a $2,500 minimum daily balance to earn APY and to avoid the $10 monthly service fee. Interest rate and APY are variable and subject to change at any time after account opening.
0.25% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: Must be linked to a Just WIN! Cash Rewards or Just WIN! Cash Back Rewards Checking account. Requires acceptance of Consent for Electronic Transactions, Records, and Signatures agreement, valid email address, and enrollment in electronic delivery of statements, notices, and disclosures. No monthly service charge.
Offer: Qualifying rate tier on portion of daily balance up to $50,000.00 when monthly qualifications are met.
Qualified rate · 0.15% interest rate · Balance cap $50,000 · No monthly fee · Effective May 13, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $2 monthly service fee is waived by maintaining a $100 minimum daily balance for ages 18 and over; no minimum balance required for ages 17 and under. Includes 6 free withdrawals per month with a $3 excess withdrawal fee thereafter.
Offer: For ages 18 and over. Avoid $2 monthly service fee by maintaining a $100 minimum daily balance. 6 free withdrawals per month, $3 fee per withdrawal in excess thereafter.
0.10% interest rate · $2 monthly fee · Effective Sep 29, 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
What savings accounts pay in Carbondale, IL metro
26 accounts at 7 banks and credit unions · checked Sep 25–Oct 16
- Typical
- 0.20%
- Top 10% from
- 1.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.40%
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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