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 Rockford, IL metro
- First Community Credit UnionProsper Max Money Market (Insured)Prosper Max Money Market (Insured) · $1,000 min · 0.90%–2.85% by balance
Credit union · 4 branches
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 · 4 branches
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 - First Northern Credit UnionMoney Market DemandMoney Market Demand · $0 min · 0.05%–1.15% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly by the Board of Directors; dividends paid retroactively based on earnings. Listed APYs are for the period ending 2026-06-30. No monthly maintenance fee if minimum average daily balance is met ($2,500). Up to 6 withdrawals/transfers per month; no more than 3 of those by check, draft, or similar order. Convenient check writing with free standard checks for life.
Offer: APY for $0–$2,499.99. This balance is below the $2,500 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.
$15 monthly fee
Rate by balance
Rate by balance for Money Market Demand Balance APY Up to $2,500 0.05% $2,500 – $25,000Your amountAPY for $2,500–$24,999.99. $15 monthly fee if ADB falls below $2,500 during a statement cycle; Must maintain minimum ADB to obtain disclosed APY. 0.85% $25,000 and upAPY for $25,000 and above. $15 monthly fee if average daily balance falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY. 1.15% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 7 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Consumers Credit UnionMoney MarketMoney Market · $0 min · 0.55%–1.16% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Share account. Requires maintaining membership share ($5.00 par value). Account transfer and withdrawal limitations apply (maximum 6 transfers/withdrawals per month). Tiered rate account where the rate for a balance tier applies to the full balance once met.
Offer: Rate applies to the full balance of the account once tier range is met.
0.55% interest rate · Effective Mar 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.55% $25,000 – $100,000 0.65% $100,000 – $250,000 0.75% $250,000 and up 1.16% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Membership open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Requires an It'sMyCU checking account. $20 membership fee required in savings account.
Offer: Earns 10% APY on balances up to $1,000. Checking account required.
Qualified rate
Rate by balance
Rate by balance for Easy Saver Balance APY Up to $1,000 10.00% $1,001 and upYour amountEarns 0.5% APY on balances over $1,000. 0.50% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividend paid monthly on the average daily balance. Rate may change after the account is opened. Requires a $20 minimum balance to establish credit union membership.
Offer: Dividend paid monthly on the average daily balance. Rate may change after the account is opened.
0.50% interest rate · Effective Jul 31, 2026
Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 5 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Platinum Choice enhanced rate tier. Requires meeting and maintaining Platinum Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 0.50% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: If minimum of $200 balance is met
Offer: If minimum of $200 balance is met
Effective Oct 1, 2023
Rate by balance
Rate by balance for Share Balance APY $200 – $1,999 0.25% $2,000 and upYour amount 0.50% Rate checked
More details - ABD Federal Credit UnionSplit Rate SavingsSavings · $500 min · 0.25%–0.45% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: To open a Split Rate account, each member must maintain a minimum balance of $500 in their Regular Share account, which remains inaccessible while the Split Rate account is active. Penalty incurred for early withdrawal.
Offer: Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00.
0.25% interest rate · Effective Mar 31, 2024
Rate by balance
Rate by balance for Split Rate Savings Balance APY Up to $2,000 0.25% $2,000 – $5,000 0.35% $5,000 and upYour amount 0.45% Rate checked
More details - Byron BankMoney Market AccountMoney Market Account · $2,500 min · 0.40%–1.77% by balance
Bank · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Rates subject to change. Earnings may be reduced by fees charged.
Offer: Minimum balance tier $2,500–$24,999.99.
0.40% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.40% $25,000 – $100,000 0.75% $100,000 and up 1.77% Rate checked
More details - First Community Credit UnionAdvantage Money MarketAdvantage Money Market · 0.32%–0.57% by balance
Credit union · 4 branches
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 - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 7 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% 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 $10,000with conditions
Requirements
Product: Only one Smart Saver account per membership. Monthly deposits must total between $50.00 and $1,000.00; any deposits exceeding $1,000 per month will be transferred to Membership Share Savings. Maximum 6 transfers and withdrawals per month.
Offer: Earned without a checking relationship or if a withdrawal occurs during the month / minimum monthly qualifications are not met.
Qualified 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 Rockford, IL metro
78 accounts at 26 banks and credit unions · checked Oct 6–22
- Typical
- 0.18%
- Top 10% from
- 1.53%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rockford, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Rock Valley Credit UnionCredit union · 2 branches
- Illinois State Credit UnionCredit union · 1 branch
- UMB BankBank · 4 branches