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 Springfield, 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 · 3 branches
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 - Cooperative Choice Network Credit UnionMoney MarketMoney Market · $25 min · 1.01%–2.63% by balance
Credit union · 1 branch
2.32%APY$232 a year on $10,000Requirements
Product: Rate applies to entire balance. Fees could reduce earnings on the account. Rate may change after the account is opened.
1.00% interest rate · Effective Sep 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 1.01% $2,500 – $25,000Your amount 2.32% $25,000 – $50,000 2.43% Over $50,000 2.63% 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 - ISPFCUMoney Market SavingsMoney Market Savings · $10,000 min · 2.00%–3.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Unlimited deposits; up to six debit transactions per month.
1.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $10,000 – $25,000Your amount 2.00% $25,000 – $100,000 2.75% $100,000 and up 3.00% 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 - 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 - Heartland Credit UnionBasic Money MarketBasic Money Market · $0 min · 0.00%–2.38% by balance
Credit union · 3 branches
1.61%APY$161 a year on $10,000Requirements
Product: Rates for approved members. No fees to maintain the account and no withdrawal fees. Dividends compound and pay monthly.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Basic Money Market Balance APY Up to $2,000 0.00% $2,000 – $10,000 1.21% $10,000 – $25,000Your amount 1.61% $25,000 and up 2.38% Rate checked
More details - 1.56%APY$156 a year on $10,000
Requirements
Product: Minimum balance requirement of $2,500 to avoid a $10 monthly service fee. Limited to six transfers, including no more than six third party checks.
Offer: Rate may change after account opening. $10 monthly service fee waived with minimum balance of $2,500.
1.55% interest rate · $10 monthly fee · Effective Sep 21, 2026
Rate checked
More details - ISPFCUMoney Market CheckingMoney Market Checking · $5,000 min · 1.00%–2.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Unlimited deposits; up to six debit transactions per month. Check writing available.
0.99% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY $5,000 – $10,000 1.00% $10,000 – $25,000Your amount 1.50% $25,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - Land of Lincoln Credit UnionMoney MarketMoney Market · $2,500 min · 1.36%–1.80% by balance
Credit union · 1 branch
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 - Illinois Educators CUMoney MarketMoney Market · $1,000 min · 1.16%–2.27% by balance
Credit union · 2 branches
1.16%APY$116 a year on $10,000Requirements
Product: *APR=Annual Percentage Rate.**APY=Annual Percentage Yield. All rates subject to change without notice. Rates, terms and conditions vary based on qualifications and collateral. Federally insured by NCUA. Regular Shares are Compounded Daily and Paid Quarterly. Christmas Club is compounded Daily and Paid Annually on October 15. Certificates are compounded Daily and Paid Monthly.
1.15% interest rate · Compounded daily · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $24,999Your amount 1.16% $25,000 and up 2.27% Rate checked
More details - Cooperative Choice Network Credit UnionSub-Share Savings AccountSavings · $5 min · 0.95%–1.06% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Allows members to save for special events while earning the same dividends as the Share Savings Account. Requires no minimum balance. Not accessible through an ATM.
Offer: Earns the same dividends as the Share Savings Account.
0.95% interest rate · Effective Sep 1, 2025
Rate by balance
Rate by balance for Sub-Share Savings Account Balance APY Up to $1,000 0.95% $1,000 – $10,000Your amount 1.01% Over $10,000 1.06% Rate checked
More details - Cooperative Choice Network Credit UnionShare Savings AccountSavings · $5 min · 0.95%–1.06% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Membership in the credit union is established by depositing and maintaining at least $5.00 in this account. Dividends are compounded daily and paid monthly. Tiering Method A: pays on the full balance in the account the stated interest rate that corresponds to the applicable deposit tier.
0.95% interest rate · Compounded daily · Effective Sep 1, 2025
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $1,000 0.95% $1,000 – $10,000Your amount 1.01% Over $10,000 1.06% 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 metro
66 accounts at 24 banks and credit unions · checked Oct 6–22
- Typical
- 0.25%
- Top 10% from
- 1.82%
- 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