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 31–45 results in Ottawa, IL metro
- 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Sep 25, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Rate may change after account is opened. Fees could reduce earnings. Transfers limited to 6 per statement cycle. Interest is compounded and credited quarterly.
Offer: Interest compounded and credited quarterly.
0.10% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Rate may change after account is opened; Fees may reduce earnings. Compounding: Daily.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership requires depositing a minimum of $1.00. Dividends are earned daily and paid quarterly on balances of $100.00 or more (no interest earned below $100.00).
Offer: No interest earned on balances below $100.00.
Effective Jan 8, 2024
Rate checked
More details - OSB Community BankInsured Money Market AccountsInsured Money Market Accounts · $0 min · 0.05%–0.10% by balance
Bank · 2 branches
0.07%APY$7 a year on $10,0000.05% interest rate · Effective Sep 10, 2026
Rate by balance
Rate by balance for Insured Money Market Accounts Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.07% $25,000 and up 0.10% Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 0.07%–0.16% by balance
Bank · 5 branches
0.07%APY$7 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: Standard APY. 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 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $250,000 0.10% $250,000 – $1,000,000 0.13% $1,000,000 and up 0.16% Rate checked
More details - Credit Union 1Money Market AccountMoney Market Account · $2,500 min · 0.05%–0.40% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are calculated using Daily Balance, paid on the last day of the month, and compounded monthly. $10 fee if balance falls below the $2,500 minimum daily balance requirement. Checks, pre-authorized transfers, and phone transfers are limited to 6 items per month; unlimited in-person withdrawals.
Offer: Requires minimum balance of $2,500 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement.
0.05% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.05% $25,000 and up 0.10% $50,000 and up 0.20% $100,000 and up 0.30% $250,000 and up 0.40% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Requires enrollment in eStatements. Limit one account per SSN/ITIN.
Offer: Base rate applied to all balances if linked Kasasa checking qualifications are not met during the cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - Peru Federal Savings BankMoney Market CheckingMoney Market Checking · $1,000 min · 0.02%–0.05% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $1,000 0.02% $1,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000intro rate
Requirements
Product: Personal accounts and personal trusts only. Available at Old National banking centers or online (online opening available in IA, IL, IN, KY, MI, MN, ND, TN, WI; personal trusts in-person only). Combined balance of all Old National accounts cannot exceed $3,000,000. $25 fee if closed within 180 days.
Offer: Standard/lower tier rate for daily collected balances of $19,999.99 or less. Monthly fee of $20 waived with $5,000 minimum daily balance.
Promotional rate · 0.05% interest rate · $20 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Market Monitor Balance APY Up to $20,000Your amount 0.05% $20,000 and upPromotional rate guaranteed through December 31, 2026 for new accounts opened between September 1, 2026 and December 1, 2026 funded with minimum $20,000 in new money not on deposit as of August 31, 2026 within 15 calendar days of opening. 3.85% Rate checked
More details - Heartland Bank and Trust CompanySimply SavingsSavings · $50 min · 0.03%–0.50% by balance
Bank · 6 branches
0.03%APY$3 a year on $10,000Requirements
Product: Minimum to open the account is only $50 for 18 and over. Under 18 can open an account for $25. Average quarterly balance of $200 required to avoid $3 charge (waived for under 18). Interest compounded and credited quarterly based on daily balance. $1.75 charge per withdrawal over 9 per quarter (waived if $500 minimum quarterly balance or under 18).
Offer: Level 4 tier for daily balance of less than $25,000.
0.03% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Simply Savings Balance APY Up to $25,000Your amount 0.03% $25,000 – $100,000 0.15% $100,000 – $250,000 0.35% $250,000 and up 0.50% Rate checked
More details - OSB Community BankSignature Money Market AccountSignature Money Market Account · $500 min · 0.02%–0.20% by balance
Bank · 2 branches
0.02%APY$2 a year on $10,000Requirements
Product: Earns daily interest tiered based on balance. No monthly service charge.
Offer: Earns daily interest.
0.02% interest rate · No monthly fee · Effective Sep 10, 2026
Rate by balance
Rate by balance for Signature Money Market Account Balance APY Up to $25,000Your amount 0.02% $25,000 – $75,000 0.07% $75,000 – $100,000 0.10% $100,000 – $200,000 0.12% $200,000 – $300,000 0.15% $300,000 – $500,000 0.18% $500,000 and up 0.20% Rate checked
More details - 0.02%APY$2 a year on $10,000
0.02% interest rate · Effective Sep 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Previously known as Christmas Club and Vacation Club; designed to set aside funds for larger purchases with withdrawals permitted at any time.
Offer: Minimum balance to open is $0; minimum balance to earn dividends is $0.01. Dividends are paid on the last day of the month and compounded monthly.
0.01% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account required for Credit Union 1 membership. Members must maintain a minimum balance of $5 to maintain a share in CU1.
Offer: Minimum balance of $5 to open and to earn dividends. Dividends are paid on the last day of the month and compounded monthly.
0.01% interest rate · Compounded monthly · 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 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