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 Effingham, IL metro
- 4.00%APY$400 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 Oct 14, 2026
Rate by balance
Rate by balance for Extreme Green Savings Balance APY Any balance 0.10% Up to $20,000Your amountWhen 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 Unknown Rate checked
More details - Land of Lincoln Credit UnionMoney MarketMoney Market · $2,500 min · 1.36%–1.80% by balance
Credit union · 2 branches
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 - 0.75%APY$75 a year on $10,000
Rate checked
More details - First State Bank of Beecher CityPersonal SavingsSavings · $10 min · 0.60%–2.02% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Rates subject to change. Annual Percentage Yield.
0.60% interest rate
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $10,000Your amount 0.60% $10,000 – $40,000 1.01% Over $40,000 2.02% Rate checked
More details - 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Must deposit in conjunction with a 16-month Duo CD. $3 fee if balance below $25.
Offer: $3 fee if balance below $25.
Qualified rate · 0.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - First National Bank of WaterlooFNB Premier MMAFNB Premier MMA · $1,000 min · 0.30%–0.40% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,0000.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for FNB Premier MMA Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.35% $50,000 – $100,000 0.35% $100,000 and up 0.40% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest compounded daily. $2 paper statement fee (eStatements are free). Quarterly statements unless combined with a Constitution Bank Checking Account or electronic transfers have occurred. For customers age 55+, paper statements and select additional services are provided without fee.
Offer: Interest compounded daily, credited monthly.
0.10% interest rate · Compounded daily · Effective Oct 16, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY $200 – $10,000 0.10% $10,000 and upYour amount 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: $3 fee if balance falls below $1,000.
0.10% interest rate · $3 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Rate is variable, subject to change on a daily basis. Businesses are not eligible. Fees may reduce the earnings on this account.
0.15% interest rate · Effective Oct 6, 2026
Rate checked
More details - Teutopolis State BankMoney Market AdvantageMoney Market Advantage · $2,500 min · 0.10%–0.50% by balance
Bank · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Rate is variable, subject to change on a daily basis. Businesses are not eligible. Fees may reduce earnings. Minimum deposit of $100.00 each. Minimum withdrawal of $500.00 each. Transfers limited to 6 per statement cycle, $10.00 fee per excess transfer and subject to closure. Online Bill Pay is $5.95/month, fee waived if enrolled in e-statements. Overdraft Protection fee $10 per use.
0.10% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Advantage Balance APY Up to $10,000 0.10% $10,000 – $35,000Your amount 0.15% $35,000 – $70,000 0.20% $70,000 – $100,000 0.25% $100,000 and up 0.50% Rate checked
More details - Dieterich BankSave Green Personal SavingsSavings · $25 min · 0.10%–0.35% by balance
Bank · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Everyday savings account. $3.00 fee if balance below $25.
Offer: $3.00 fee if balance below $25.
0.10% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Save Green Personal Savings Balance APY Up to $5,000 0.10% $5,000 – $25,000Your amount 0.10% $25,000 – $100,000 0.20% $100,000 and up 0.35% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. $3 monthly fee assessed on accounts with a daily minimum balance of less than $50. Bonus rate of interest available for members of FNB Check Plus Account.
Offer: Annual percentage yields based upon quarterly compounding. No minimum balance required to obtain APY. $3 monthly fee if daily minimum balance falls below $50.
0.10% interest rate · $3 monthly fee · Effective Oct 5, 2026
Rate checked
More details - First Mid Bank & TrustMoney Market AccountMoney Market Account · $50 min · 0.05%–0.50% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
Offer: Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated).
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.20% $50,000 and up 0.50% 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
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 Effingham, IL metro
19 accounts at 9 banks and credit unions · checked Oct 16–17
- Typical
- 0.15%
- Top 10% from
- 1.40%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.77%
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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