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 16–20 results in Centralia, IL metro
- 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes GenFed membership. Monthly/excessive transfer limitations apply (maximum 6 transfers/withdrawals per month; excess subject to fee or closure).
Offer: Minimum balance to earn dividends is $100.00. Required opening deposit is $5.00 ($25.00 on fee schedule S1). Compounded and credited quarterly based on average daily balance.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.01%APY$1 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: Base rate applied to all balances if monthly qualifications are not met in linked account.
Qualified rate · 0.01% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% 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 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