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 Freeport, IL metro
- 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 - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Available with any FirstCCU Checking Account. No minimum balance required to earn APY. Excessive withdrawal fee of $3.00 per withdrawal after 1 free per year.
Offer: Must have a FirstCCU Checking Account.
Qualified rate · 1.49% interest rate
Rate checked
More details - GreenState Credit UnionImpact Money MarketImpact Money Market · $2,500 min · 1.45%–2.45% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Membership required with a minimum $5 share deposit. Variable rate determined based on average daily balance maintained for the month. $10.00 per withdrawal or transfer after 6 per month. Minimum $2,500 daily balance to avoid $10 monthly service fee.
Offer: Minimum $2,500 daily balance to avoid $10 monthly service fee.
$10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Impact Money Market Balance APY $2,500 – $49,999Your amount 1.45% $50,000 – $99,999 1.65% $100,000 – $249,999 1.85% $250,000 – $499,999 2.05% $500,000 – $999,999 2.25% $1,000,000 and up 2.45% 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 - First Community Credit UnionProsper Max Money Market (Insured)Prosper Max Money Market (Insured) · $1,000 min · 0.90%–2.85% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Deposits insured up to $2 million through NCUA basic federal coverage ($250,000) plus Excess Share Insurance Corporation (ESI) (additional $1,750,000). Up to 6 fee-free withdrawals per month, $5.00 per excessive withdrawal thereafter.
Offer: Minimum balance to earn APY: $1,000.00 - $24,999.99
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Prosper Max Money Market (Insured) Balance APY $1,000 – $25,000Your amount 0.90% $25,000 – $50,000 1.30% $50,000 – $100,000 2.00% $100,000 – $250,000 2.35% $250,000 – $1,000,000 2.65% $1,000,000 and up 2.85% Rate checked
More details - First Community Credit UnionProsper Money MarketProsper Money Market · $1,000 min · 0.90%–2.85% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Tiered dividend rates reward higher balances. Up to 6 fee-free withdrawals per month, $3.00 per excessive withdrawal thereafter.
Offer: Minimum balance to earn APY: $1,000.00 - $24,999.99
0.90% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Prosper Money Market Balance APY $1,000 – $25,000Your amount 0.90% $25,000 – $50,000 1.30% $50,000 – $100,000 2.00% $100,000 – $250,000 2.35% $250,000 – $1,000,000 2.65% $1,000,000 and up 2.85% Rate checked
More details - Blackhawk Area Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,500 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum balance is $2,500. No dividends are paid if the balance falls below a $2,500 balance. Works like an interest-bearing checking account with check writing.
Offer: No dividends are paid if the balance falls below a $2,500 balance.
Rate by balance
Rate by balance for Money Market Checking Account Balance APY $2,500 – $30,000Your amount 0.50% $30,000 – $50,000 0.75% Over $50,000Over $50,000 1.00% Rate checked
More details - First Community Credit UnionAdvantage Money MarketAdvantage Money Market · 0.32%–0.57% by balance
Credit union · 1 branch
0.37%APY$37 a year on $10,000Requirements
Product: Tiered dividend rates reward higher balances. Up to 6 fee-free withdrawals per month, $3.00 per excessive withdrawal thereafter.
Offer: Minimum balance to earn APY: Less than $10,000
0.32% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $10,000 0.32% $10,000 – $49,999Your amount 0.37% $50,000 – $99,999 0.47% $100,000 – $249,999 0.52% $250,000 and up 0.57% 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: 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 - Cornerstone Credit UnionInsured Money MarketInsured Money Market · $2,500 min · 0.20%–0.95% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
Offer: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month.
Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Insured Money Market Balance APY $2,500 and upYour amount 0.20% $20,000 and up 0.40% $75,000 and up 0.95% Rate checked
More details - Cornerstone Credit UnionInsured High Yield Money MarketInsured High Yield Money Market · $5,000 min · 0.20%–2.75% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
Offer: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month.
Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Insured High Yield Money Market Balance APY $5,000 and upYour amount 0.20% $50,000 and up 0.70% $100,000 and up 1.90% $250,000 and up 2.50% $500,000 and up 2.75% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Multiple savings accounts can be set up within the same membership. Dividends are compounded daily and paid quarterly. Minimum balance requirements apply to average daily balance to earn stated dividends.
Offer: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly.
Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Regular savings accounts require an initial deposit of $25 and represent ownership/share in Cornerstone Credit Union. Dividends are compounded daily and paid quarterly. Minimum balance requirements apply to average daily balance to earn stated dividends.
Offer: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid quarterly.
Compounded daily · Effective Oct 1, 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 Freeport, IL metro
20 accounts at 6 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.28%
- Top 10% from
- 1.55%
- Banks, typical
- 0.28%
- Credit unions, typical
- 0.29%
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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