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 Lincoln, IL metro
- 3.45%APY$345 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 1 bonus rate requires an active INB checking account with at least one direct deposit of payroll, Social Security, retirement, or disability income per statement cycle.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 1 branch
2.40%APY$240 a year on $10,000Requirements
Product: Opening deposit and account minimum is $2,500. Balance required to avoid a fee is $2,500. $200 minimum on withdrawals to avoid a fee.
Offer: Tier 1 rate. Balance required to avoid a fee is $2,500.
2.37% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Insured Money Market Account (IMMA) Balance APY $2,500 – $25,000Your amount 2.40% $25,000 – $50,000Tier 2 rate. 2.50% $50,000 – $100,000Tier 3 rate. 2.60% $100,000 and upTier 4 rate. 2.70% Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Optional named savings folders for separate goals; same published rate table as Holiday Saver Account. Rates subject to change daily.
Offer: TIER-1; min. to earn APY $0.01. Shared Holiday Saver schedule.
1.54% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for My Use Account Balance APY Over $0 1.55% $1,000 and upTIER-2; to earn APY $1,000.00. 1.60% $10,000 and upYour amountTIER-3; to earn APY $10,000.00. 1.65% Rate checked
More details - 0.60%APY$60 a year on $10,000with conditions
Requirements
Product: Rates are available to Power Plus Checking customers.
Offer: Available to Power Plus Checking customers.
Qualified rate · 0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.40% $10,000 – $50,000Your amount 0.60% $50,000 – $250,000 0.80% $250,000 and up 1.00% Rate checked
More details - The First National Bank in TremontMoney Market AccountMoney Market Account · $5,000 min · 0.50%–0.96% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Account is available for personal and business use. Interest rates are variable and may change after the account is opened. APY depends on applicable tier. Interest is compounded and added monthly.
Offer: Tier I balance tier. Rate valid for applicable balance range.
0.50% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $20,000Your amount 0.50% $20,000 – $50,000Tier II balance tier. 0.50% $50,000 – $100,000Tier III balance tier. 0.55% $100,000 – $250,000Tier IV balance tier. 0.96% $250,000 and upTier V balance tier. 0.96% Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Capital Money Market Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 1.51% $100,000 – $500,000 2.02% $500,000 and up 2.27% Rate checked
More details - 0.43%APY$43 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $8 monthly maintenance fee waived with $2,500 minimum daily balance. Rates vary by daily balance tier.
Offer: Daily balances up to $999.99 earn 0.20% APY.
0.20% interest rate · $8 monthly fee
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest compounded daily and paid quarterly. $5.00 fee per quarterly statement cycle if daily balance falls below $100.00 (minors up to age 18 are exempt from minimum balance and fees). Variable rate subject to change.
Offer: $5.00 quarterly fee if minimum daily balance of $100.00 is not maintained (fee waived for minors up to age 18).
0.25% interest rate · Compounded daily · Effective Oct 13, 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 - Heartland Bank and Trust CompanySuper Money MarketSuper Money Market · $2,500 min · 0.02%–0.75% by balance
Bank · 2 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Quarterly maintenance fee of $5.00 is waived for customers under 25 years of age, over 62 years of age, not-for-profit organizations, or if the account maintains an average balance of $100.00 per statement cycle. ATM withdrawals are free at Shazam Privileged Status Network ATMs.
Offer: Daily balance method is used to calculate interest. Interest is compounded and added to the account quarterly. Variable interest rates may change after account opening.
0.05% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Dividends are paid quarterly using the daily balance method. Rates are variable and change quarterly. Minimum balance to open an account is $5, and earns a dividend once the balance reaches $250. Account has no fees.
Offer: Minimum $250 to earn dividends.
0.04% interest rate · No monthly fee · Effective Apr 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 Lincoln, IL metro
16 accounts at 6 banks and credit unions · checked Oct 16
- Typical
- 0.30%
- Top 10% from
- 2.03%
- Banks, typical
- 0.30%
- Credit unions, typical
- 1.65%
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Lincoln, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CEFCUCredit union · 1 branch