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 Centralia, IL metro
- 3.30%APY$330 a year on $10,000intro rate
Requirements
Product: Accepting new funds only. Rate to be paid at end of Quarter 9-30-2026. MUST indicate you want to deposit into Preferred Shares. Dates Dividends Accrue: Date of deposit to end of calendar quarter. WITHDRAWAL NOTICE from Member to Credit Union: 30 Days before end of quarter. Withdrawals: Entire Account Balance permitted after end of term with 30 days notice. Renewal: Automatic renewal for next quarter unless withdrawn during grace period. Grace period is 10 days after end of Quarter.
Offer: Current Term Rate: 3.25% to be paid at end of Quarter 9-30-2026. Accepting new funds only.
Promotional rate · 3.25% interest rate
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 - Land of Lincoln Credit UnionMoney MarketMoney Market · $2,500 min · 1.36%–1.80% by balance
Credit union · 1 branch
1.46%APY$146 a year on $10,000Requirements
Product: Requires a minimum balance of $2,500.00. Minimum deposit and withdrawal requirement of $100.00. Limited to 6 preauthorized withdrawals/transfers per month, with up to 3 payable to a third party / by check. Excess withdrawals subject to $20.00 fee each or account closing. NCUA and ESI insured.
Offer: Dividends calculated daily and credited monthly.
1.35% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.36% $10,000 – $25,000Your amount 1.46% $25,000 and up 1.80% Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 1 branch
1.38%APY$138 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 1.06% $10,000 – $25,000Your amount 1.38% $25,000 – $250,000 3.25% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.25% 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 - Peoples National BankPreferred Money MarketPreferred Money Market · $1,000 min · 0.48%–0.50% by balance
Bank · 2 branches
0.49%APY$49 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. $1,000 minimum balance to receive interest.
Offer: Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance or a $15,000 average daily balance. APYs based on Monthly Compounding.
$10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY $1,000 – $10,000 0.48% $10,000 – $25,000Your amount 0.49% $25,000 and up 0.50% Rate checked
More details - 0.42%APY$42 a year on $10,000
Requirements
Product: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance.
Offer: Avoid the $5 monthly service fee by maintaining a $100 minimum daily balance. APY based on monthly compounding.
$5 monthly fee · Effective Sep 15, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000with conditions
Requirements
Product: Free account that builds savings automatically. Linked to free Cha-CHING Ca$h or Cha-CHING Ca$h Back checking account. Automatic transfers of rewards. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements in linked Cha-CHING Ca$h or Cha-CHING Ca$h Back account: at least 12 debit card purchases post and settle, receive eStatements, and at least 1 ACH auto debit or bill pay transaction post and settle.
Qualified rate · 0.40% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secures share of ownership in Kaskaskia Valley Community Credit Union.
0.25% interest rate · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - GenFed Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–0.65% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: No minimum to open Money Market account; no service fees. Minimum withdrawal amount is $500. Up to 6 withdrawals or transfers per month (with up to 3 being checks). Free printed counter checks.
Offer: Rate applies to balances below $2,000.00.
0.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.00% $2,000 – $20,000Your amount 0.25% $20,000 – $75,000 0.40% $75,000 and up 0.65% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Fixed interest rate account. Monthly fee of $1.00 is waived if account balance is kept above $100.00 during statement cycle (imposed if balance falls below $100 on any day of statement cycle).
0.10% interest rate · $1 monthly fee · Effective Jul 15, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield may change after account opening.
Offer: Minimum balance to obtain APY is $1,000.00. Interest rate and APY may change after account opening.
0.10% interest rate · Effective Jul 15, 2026
Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Requires $5.00 to open account. No monthly service fee unless member exceeds six (6) withdrawals per month. Interest paid in tiers based minimum balance ranges.
Offer: Dividends calculated daily and credited monthly.
0.08% interest rate · No monthly fee · Effective Sep 21, 2026
Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 0.07%–0.16% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: $15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
Offer: Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance.
Qualified rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $250,000 0.10% $250,000 – $1,000,000 0.13% $1,000,000 and up 0.16% 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 Centralia, IL metro
20 accounts at 8 banks and credit unions · checked Oct 16
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- 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