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 Charleston, IL metro
- First Farmers Bank & TrustPrime Money MarketPrime Money Market · $0 min · 2.70%–3.45% by balance
Bank · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: APY tiers apply to the entire balance based on average daily balance.
2.66% interest rate · Effective Aug 1, 2024
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $100,000Your amount 2.70% $100,000 – $225,000 3.20% $225,000 – $300,000 3.45% $300,000 and up 3.45% Rate checked
More details - 2.27%APY$227 a year on $10,000intro rate
Requirements
Product: Minimum balance $5.00.
Offer: Dividend rate for quarter ending Dec. 31, 2026.
Promotional rate · 2.25% interest rate · Effective Dec 31, 2026
Rate checked
More details - 2.00%APY$200 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: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Land of Lincoln Credit UnionMoney MarketMoney Market · $2,500 min · 1.36%–1.80% by balance
Credit union · 2 branches
1.46%APY$146 a year on $10,000Requirements
Product: Requires a minimum balance of $2,500.00. Minimum deposit and withdrawal requirement of $100.00. Limited to 6 preauthorized withdrawals/transfers per month, with up to 3 payable to a third party / by check. Excess withdrawals subject to $20.00 fee each or account closing. NCUA and ESI insured.
Offer: Dividends calculated daily and credited monthly.
1.35% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.36% $10,000 – $25,000Your amount 1.46% $25,000 and up 1.80% Rate checked
More details - First Federal Savings & Loan Association of Central Illinois S.B.1st Fed Savings w/ CheckingSavings · $100 min
Bank · 2 branches
1.01%APY$101 a year on $10,000with conditionsRequirements
Product: Requires checking account relationship. Interest credited quarterly.
Offer: Requires checking account relationship. Interest credited quarterly.
Qualified rate · 1.00% interest rate · Effective Oct 1, 2026
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 - First Federal Savings & Loan Association of Central Illinois S.B.Money MarketMoney Market · $1,000 min · 0.75%–1.26% by balance
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Interest is credited to the account monthly.
Offer: Interest is credited to the account monthly.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.75% $25,000 – $100,000 1.01% $100,000 and up 1.26% Rate checked
More details - First Federal Savings & Loan Association of Central Illinois S.B.1st Fed SavingsSavings · $100 min
Bank · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Maximum 6 third-party withdrawals per month, unlimited in person. Interest credited quarterly.
Offer: Minimum balance of $100 to avoid service charge and obtain APY (no minimum balance for savers under age 18). Interest credited quarterly.
0.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
0.40% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
0.40% interest rate · Effective Sep 1, 2026
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: 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 - First Mid Bank & TrustMoney Market AccountMoney Market Account · $50 min · 0.05%–0.50% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
Offer: Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated).
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.20% $50,000 and up 0.50% 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
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 Charleston, IL metro
19 accounts at 8 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.40%
- Top 10% from
- 2.05%
- Banks, typical
- 0.53%
- Credit unions, typical
- 0.40%
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Charleston, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Area Educational Credit UnionCredit union · 1 branch