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 16–30 results in Champaign, IL metro
- 0.50%APY$50 a year on $10,000
Requirements
Product: Interest is paid quarterly. A $2.00 per month service fee applies if the average daily balance falls below $200. Account is limited to six (6) transfers per four-week/monthly period.
Offer: Monthly fee of $2.00 waived if average daily balance remains at or above $200.
0.50% interest rate · $2 monthly fee
Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 4 branches
0.50%APY$50 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Capital Money Market Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 1.51% $100,000 – $500,000 2.02% $500,000 and up 2.27% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Members can deposit up to $75,000 per calendar year. Direct payroll deposit is available.
Offer: Can deposit up to $75,000 per calendar year.
0.50% interest rate · Balance cap $75,000
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No monthly service charge with a minimum balance of $50; monthly service charge of $2 if minimum falls below $50 (waived for minor children). Minimum balance to open account $50 (waived for minor children). Withdrawals limited to 10 per month (10 or more transactions charged $2 each). Interest compounded quarterly.
Offer: Monthly fee of $2 waived if minimum balance of $50 is maintained (opening minimum and fee waived for minor children). Listed under Current Rates as Savings Quarterly.
0.50% interest rate · Compounded quarterly · $2 monthly fee
Rate checked
More details - 0.43%APY$43 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - U of I Community Credit UnionIllini Draft Money Market AccountIllini Draft Money Market Account · $0 min · 0.20%–0.75% by balance
Credit union · 5 branches
0.40%APY$40 a year on $10,000Requirements
Product: There is no service charge for balances that fall under $2,500. NCUA insured. Access funds by check or electronic transfer.
0.20% interest rate
Rate by balance
Rate by balance for Illini Draft Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $25,000Your amount 0.40% $25,000 and up 0.75% Rate checked
More details - U of I Community Credit UnionJumbo Money Market AccountJumbo Money Market Account · $0 min · 0.40%–1.50% by balance
Credit union · 5 branches
0.40%APY$40 a year on $10,000Requirements
Product: Higher rate paid only on the portion of the balance above $50,000. NCUA insured.
0.40% interest rate
Rate by balance
Rate by balance for Jumbo Money Market Account Balance APY Up to $50,000Your amount 0.40% $50,000 and up 1.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $8 monthly maintenance fee waived with $2,500 minimum daily balance. Rates vary by daily balance tier.
Offer: Daily balances up to $999.99 earn 0.20% APY.
0.20% interest rate · $8 monthly fee
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% 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: Interest compounded daily and paid quarterly. $5.00 fee per quarterly statement cycle if daily balance falls below $100.00 (minors up to age 18 are exempt from minimum balance and fees). Variable rate subject to change.
Offer: $5.00 quarterly fee if minimum daily balance of $100.00 is not maintained (fee waived for minors up to age 18).
0.25% interest rate · Compounded daily · Effective Oct 13, 2026
Rate checked
More details - Bank of PontiacInvestment Money MarketInvestment Money Market · $5,000 min · 0.25%–0.65% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Monthly service charge of $12 can be avoided with a $5,000 minimum balance. Free Online Banking & Bill Pay (with at least one bill payment each month; inactive Bill Pay charged $4.95/month).
0.25% interest rate · $12 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Investment Money Market Balance APY Up to $75,000Your amount 0.25% $75,000 – $150,000 0.35% $150,000 – $250,000 0.40% $250,000 – $2,500,000 0.55% $2,500,000 and up 0.65% 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: $2 monthly maintenance fee can be waived by maintaining a $200 minimum daily balance.
Offer: $2 monthly maintenance fee waived by maintaining $200 minimum daily balance.
0.10% interest rate · $2 monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: If you make more than two withdrawals (including transfers) in a month, you'll be charged a $10 withdrawal fee. Optional Pocket Change round-up matching available for first 90 days up to $100.
Offer: $10 fee for more than two withdrawals or transfers per month.
0.10% interest rate
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 Champaign, IL metro
62 accounts at 24 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.50%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.23%
Is your bank paying you enough?
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Champaign, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- U of I Community Credit UnionCredit union · 5 branches
- CEFCUCredit union · 1 branch
- Credit Union 1Credit union · 1 branch