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 Pontiac, IL metro
- 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 - 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 - State Bank of GraymontTiered Money Market AccountTiered Money Market Account · $2,500 min · 0.50%–1.87% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening balance of $2,500. Interest credited monthly. $10 service charge if daily balance falls below $2,500 any day during the calendar month; $20 service charge if daily balance falls below $1,000 any day during the calendar month. Limited to six withdrawals or transfers per calendar month.
Offer: Minimum daily balance to earn APY is $0.01 to $24,999.99.
0.50% interest rate · Effective Sep 15, 2026
Rate by balance
Rate by balance for Tiered Money Market Account Balance APY Up to $25,000Your amount 0.50% $25,000 – $50,000 0.80% $50,000 – $75,000 1.31% $75,000 and up 1.87% Rate checked
More details - Citizens Bank of ChatsworthSmart SavingsSavings · $1,000 min · 0.10%–0.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: No service charge. Interest rate may change after account is opened; fees can reduce earnings.
Offer: APY for balance $1,000–$4,999.99. No service charge.
No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Smart Savings Balance APY $1,000 – $5,000 0.10% $5,000 – $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Flanagan State BankMoney Market Investment AccountMoney Market Investment Account · $2,500 min · 0.22%–0.65% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: No monthly service fee with a $1,000 minimum balance. Six transactions per month allowed; additional withdrawals may incur fees or result in account conversion to checking.
Offer: Minimum Balance to Obtain APY is Less than $10,000.00. Interest frequency monthly. Variable rate.
0.22% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Investment Account Balance APY Up to $10,000 0.22% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 and up 0.65% 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 - Bank of PontiacInvestment Money MarketInvestment Money Market · $5,000 min · 0.25%–0.65% by balance
Bank · 7 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 - Streator Onized Credit UnionSaving AccountSavings · $1 min · 0.00%–0.25% by balance
Credit union · 2 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: 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 - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: Must be paired with Kasasa Cash or Kasasa Cash Back account. To qualify for reward rates, complete at least 12 debit card purchases that post and settle, enroll in and receive e-statements, and enroll in and log into online banking during each monthly qualification cycle. Non-qualifying balances earn 0.03% APY. Stated rates are variable and may change after account is opened. Limit 1 account per SSN.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met.
Qualified rate · 0.30% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000 0.30% $10,000 and upYour amount 0.15%* Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $7 can be avoided with a $1,000 minimum balance. Free Online Banking & Bill Pay (with at least one bill payment each month; inactive Bill Pay charged $4.95/month).
0.05% interest rate · $7 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 and upYour amount 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 · 1 branch
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 - 0.05%APY$5 a year on $10,000
Requirements
Product: $3.00 quarterly service charge is waived if a $50 minimum balance is maintained, or waived for minors. Variable interest rate credited quarterly. Up to six monthly withdrawals/transfers allowed.
Offer: $3.00 quarterly service charge waived with $50 minimum balance or for minors. Interest credited quarterly. Variable rate subject to change.
0.05% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Quarterly service charge of $12; minimum to avoid fee is $100 minimum balance or $250 average daily balance. Service charge waived for Senior Citizens (age 65 and older), Students (age 25 and under), Minors (age 18 and under), and Charitable Organizations.
Offer: $12 quarterly service charge waived with $100 balance or $250 average daily balance, or for seniors, students, minors, and charitable organizations.
0.05% 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
What savings accounts pay in Pontiac, IL metro
19 accounts at 8 banks and credit unions · checked Sep 17–Oct 17
- Typical
- 0.25%
- Top 10% from
- 0.60%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.25%
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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