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 Springfield, IL
- 0.30%APY$30 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. A minimum balance fee of $5.00 is imposed monthly if balance falls below $100.00 any day of the month (waived for customers age 62 or older, students and children under 18, and members of the Armed Forces). $2.00 activity charge per non-automatic withdrawal in excess of 4 per month. Maximum 6 preauthorized/electronic transfers per month/statement cycle.
0.30% interest rate · $5 monthly fee · Effective Dec 16, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: The $5 monthly service charge is waived with an average monthly balance of $100 or more, by enrolling in e-statements, with monthly direct deposit of your payroll, or for primary account owners under age 22 & 62 and older.
Offer: No minimum balance required to obtain Annual Percentage Yield.
0.25% interest rate · $5 monthly fee
Rate checked
More details - Springfield City Employees Credit UnionShare (Savings) AccountSavings · $5 min
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: The Share (Savings) Account establishes membership and makes you a part owner. Dividends are earned based on the average daily balance method on balances of $5.00 or more.
Offer: Dividends earned based on average daily balance method.
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 - 0.20%APY$20 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings.
Offer: $3 service fee if balance falls below $100.00; $2 for each withdrawal in excess of six (6) per statement cycle
0.20% interest rate · $3 monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $2 monthly maintenance fee can be waived by maintaining a $200 minimum daily balance.
Offer: $2 monthly maintenance fee waived by maintaining $200 minimum daily balance.
0.10% interest rate · $2 monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: If you make more than two withdrawals (including transfers) in a month, you'll be charged a $10 withdrawal fee. Optional Pocket Change round-up matching available for first 90 days up to $100.
Offer: $10 fee for more than two withdrawals or transfers per month.
0.10% interest rate
Rate checked
More details - First Bankers TrustPersonal Money Market AccountPersonal Money Market Account · $50 min · 0.10%–1.00% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Maintain a $2,500 minimum balance to avoid a $20 monthly service charge. Electronic statement monthly at no cost; paper statement $3.95 per month on request. Unlimited deposits. Withdrawals by electronic transfer or check limited to 6 per month. Interest rates may change at any time after opening. Fees could reduce earnings.
Offer: APY requires balance in $0.00–$2,499.99 tier. $20 monthly service charge waived if $2,500 minimum balance is maintained.
0.10% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $25,000Your amount 0.20% $25,000 – $50,000 0.70% $50,000 and up 1.00% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Requires $100 minimum deposit to open.
Offer: Minimum $100 to open.
0.15% interest rate · Effective Sep 24, 2026
Rate checked
More details - Heartland Bank and Trust CompanySuper Money MarketSuper Money Market · $2,500 min · 0.02%–0.75% by balance
Bank · 3 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Regular Shares are Compounded Daily and Paid Quarterly.
0.10% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Requires $5.00 to open account. No monthly service fee unless member exceeds six (6) withdrawals per month. Interest paid in tiers based minimum balance ranges.
Offer: Dividends calculated daily and credited monthly.
0.08% interest rate · No monthly fee · Effective Sep 21, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 4 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 4 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 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 Springfield, IL
60 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.30%
- Top 10% from
- 2.00%
- Banks, typical
- 0.20%
- Credit unions, typical
- 1.01%
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Springfield, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cooperative Choice Network Credit UnionCredit union · 1 branch
- Heartland Credit UnionCredit union · 3 branches
- Illinois Educators CUCredit union · 2 branches