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 Ottawa, IL metro
- 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Linked to Kasasa Cash® or Kasasa Cash Back® account.
Offer: Requires meeting qualification cycle criteria on linked Kasasa Cash account: at least 1 direct deposit/ACH credit/ACH payment transaction, 12 debit card purchases post and settle during Monthly Qualification Cycle, and enrollment in eStatements. No minimum balance required to earn rewards.
Qualified rate · Balance cap $25,000 · No monthly fee · Effective Jan 1, 2019
Rate checked
More details - Financial Plus Credit UnionMoney Market Share AccountMoney Market Share Account · $0 min · 0.10%–2.06% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates are tiered, based on current balance, and subject to change without notice.
Effective Jan 8, 2024
Rate by balance
Rate by balance for Money Market Share Account Balance APY Up to $1,500 0.10% $1,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 – $500,000 1.51% $500,000 – $1,000,000 2.06% $1,000,000 and up 2.06% Rate checked
More details - Central Bank IllinoisMoney Market SavingsMoney Market Savings · $1,000 min · 0.25%–0.60% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $1,000 average daily balance. Interest compounded and paid monthly on daily balances above $1,000. $1 fee per withdrawal in excess of 3 per month.
Offer: Paid on daily balances between $1,000 and $9,999.99.
0.25% interest rate · $10 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.35% $25,000 and up 0.60% Rate checked
More details - Spring Valley BankMoney Market CheckingMoney Market Checking · $2,500 min · 0.00%–0.30% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Tiered interest rates based on a daily balance. Transaction limitations apply.
Offer: Rate may change after account is opened. Fees may reduce earnings. Compounding: Monthly.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $2,500 0.00% $2,500 and upYour amount 0.30% 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 and paid semi-annually. Statements released quarterly. $1 fee per withdrawal in excess of 3 per month.
Offer: Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or by notifying the bank that you are under age 19 or a not-for-profit organization.
0.25% interest rate · $5 monthly fee · Effective Oct 14, 2026
Rate checked
More details - Streator Onized Credit UnionSaving AccountSavings · $1 min · 0.00%–0.25% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends declared and credited at the end of every quarter. Yields based on all dividends remaining in account to compound.
0.00% interest rate
Rate by balance
Rate by balance for Saving Account Balance APY Up to $1 0.00% Up to $1,000 0.25% $1,000 – $10,000 0.25% $10,000 and upYour amount 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends declared and credited to account at the end of every quarter.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: Minimum balance to earn APY $25.00; A penalty will or may be imposed for early withdrawal
0.25% interest rate · Effective May 1, 2019
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 - Hometown National BankStatement Savings AccountSavings · $100 min · 0.05%–0.20% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance of $100 is required to avoid a $1.00 monthly fee. Interest is compounded and credited every calendar quarter.
Offer: Minimum balance of $100 is required to avoid a $1.00 monthly fee.
0.05% interest rate · $1 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Statement Savings Account Balance APY Up to $1,000 0.05% $1,000 and upYour amount 0.20% Rate checked
More details - Eureka Savings BankEssential Money MarketEssential Money Market · $2,500 min · 0.00%–2.27% by balance
Bank · 4 branches
0.15%APY$15 a year on $10,000Requirements
Product: Rate may change after account is opened - Fees could reduce earnings. Interest is compounded & credited monthly. Transfers from this account to another account, or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft or similar order to third parties are limited to six (6) per statement cycle. No monthly service fees. $2,500 minimum balance to earn interest.
Offer: $2,500 minimum balance to earn interest.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Essential Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.15% $25,000 – $50,000 0.20% $50,000 – $100,000 0.60% $100,000 – $500,000 1.51% $500,000 – $750,000 1.51% $750,000 – $1,000,000 2.02% $1,000,000 and up 2.27% Rate checked
More details - Heartland Bank and Trust CompanySuper Money MarketSuper Money Market · $2,500 min · 0.02%–0.75% by balance
Bank · 6 branches
0.15%APY$15 a year on $10,0000.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Super Money Market Balance APY Up to $10,000 0.02% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.25% $50,000 – $100,000 0.50% $100,000 and up 0.75% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest compounded daily, paid quarterly. Avoid $3 quarterly service fee by maintaining a $300 minimum average balance; no monthly service fee for customers under 19 or over 62 years old. A $50 fee will be charged if closed within 90 days.
0.15% interest rate · Compounded daily
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Fees may reduce earnings on accounts. Interest will be forfeited if account is closed before accrued interest is posted.
Offer: Minimum balance to earn interest is $100.
0.10% interest rate · Effective Oct 16, 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 Ottawa, IL metro
45 accounts at 20 banks and credit unions · checked Oct 16–17
- Typical
- 0.25%
- Top 10% from
- 1.54%
- Banks, typical
- 0.23%
- Credit unions, typical
- 0.25%
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Ottawa, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Illinois State Credit UnionCredit union · 1 branch
- NuMark Credit UnionCredit union · 1 branch
- Credit Union 1Credit union · 2 branches