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 Ottawa, IL metro
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Requires enrollment in eStatements. Limit one account per SSN/ITIN.
Offer: Qualifying rate when linked Kasasa checking account qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 3.60%APY$360 a year on $10,000intro rate
Requirements
Product: Promotion is for new customers to Grand Ridge National Bank who deposit new money (money not previously held by any Grand Ridge National Bank location). Variable rate; subject to change. Limited time offer.
Offer: Requires new money deposited by new customers. Minimum balance to open and earn stated APY is $5,000 (daily balances above $5,000). Variable rate; subject to change. Limited time offer. Service charge fee of $5 for each debit transaction in excess of three per statement cycle. $15 service charge if closed within 6 months.
Promotional rate
Rate checked
More details - 2.25%APY$225 a year on $10,000
Requirements
Product: Limited withdrawals and minimum monthly deposits of $10 are required with this account. Fees may reduce earnings on accounts. Interest will be forfeited if account is closed before accrued interest is posted.
Offer: Minimum balance to earn interest is $100.
0.00% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Goal Saver Balance APY Up to $100 0.00% $100 – $1,000 1.75% $1,000 – $2,500 2.00% $2,500 – $5,000 2.15% $5,000 – $10,000 2.20% $10,000 – $25,000Your amount 2.25% $25,000 – $100,000 2.40% $100,000 – $250,000 2.50% $250,000 and up 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Dividends paid monthly on the average daily balance. One free withdrawal per month. Fees could reduce earnings on the account. Rates are effective 07/31/2026 and may change without notice.
Offer: Balance less than $2,500.
0.50% interest rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.50% $2,500 – $9,999 1.45% $10,000 – $24,999Your amount 1.65% $25,000 – $74,999 1.91% $75,000 and up 2.11% Rate checked
More details - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 5 branches
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 - Hometown National BankFoundations Money Market AccountFoundations Money Market Account · $2,500 min · 0.05%–1.97% by balance
Bank · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Minimum required to open is $2,500.00. A $10.00 monthly service fee applies if the balance falls below $2,500.00 on any day during the statement cycle.
Offer: $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle.
0.05% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Foundations Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.11% $50,000 – $100,000 1.41% $100,000 – $250,000 1.71% $250,000 and up 1.97% Rate checked
More details - First State BankFirst Class Money MarketFirst Class Money Market · $2,500 min · 1.00%–2.27% by balance
Bank · 8 branches
1.00%APY$100 a year on $10,000Requirements
Product: Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance. Interest compounded daily, paid monthly. Interest rate subject to change every Wednesday / every other Wednesday. Rates are variable and may change after account is opened. Fees may reduce earnings. A $50 fee will be charged if the account is closed within 90 days.
Offer: Minimum balance to earn APY: $0.00 to $2,499.99. $2,500.00 Minimum To Open. Avoid $10 monthly service fee by maintaining a $1,000 minimum average balance.
1.00% interest rate · Compounded daily · $10 monthly fee
Rate by balance
Rate by balance for First Class Money Market Balance APY Up to $2,500 1.00% $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $100,000 1.26% $100,000 and up 2.27% 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 - NuMark Credit UnionMoney MarketMoney Market · $0 min · 0.30%–3.00% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Limited withdrawals (6 free each statement cycle). Fees may reduce earnings. Option of ordering checks.
Offer: Limited withdrawals (6 free each statement cycle). Minimum balance to earn interest is $0.01.
0.30% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,000 0.30% $2,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 2.50% $250,000 and up 3.00% Rate checked
More details - Hometown National BankHometown Select Savings AccountSavings · $1,000 min · 0.20%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: A higher yielding savings account for consumers with larger balances. Interest is earned on balances of $1,000.00 or more; compounded and credited every calendar quarter.
0.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Hometown Select Savings Account Balance APY $1,000 – $2,500 0.20% $2,500 – $5,000 0.50% $5,000 and upYour amount 0.75% Rate checked
More details - La Salle State BankCommunity Money Market AccountCommunity Money Market Account · $1,000 min · 0.65%–1.25% by balance
Bank · 3 branches
0.70%APY$70 a year on $10,000Requirements
Product: Tiered variable rate interest computed using daily balance method and credited monthly. A $8 monthly maintenance fee applies if the average daily balance falls below $1,000 for the statement cycle; waived by maintaining a minimum average daily balance of $1,000.
Offer: Fee waived with minimum average daily balance of $1,000 for the monthly statement cycle.
0.65% interest rate · $8 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Community Money Market Account Balance APY $1,000 – $5,000 0.65% $5,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 and up 1.25% Rate checked
More details - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 6 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 - 0.50%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
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 Ottawa, IL metro
45 accounts at 20 banks and credit unions · checked Oct 16–17
- Typical
- 0.25%
- Top 10% from
- 1.54%
- Banks, typical
- 0.23%
- Credit unions, typical
- 0.25%
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Ottawa, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Illinois State Credit UnionCredit union · 1 branch
- NuMark Credit UnionCredit union · 1 branch
- Credit Union 1Credit union · 2 branches