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 Sterling, 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 - 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 - Midland States BankMoney Market Account (MMA)Money Market Account (MMA) · $2,500 min · 1.06%–3.25% by balance
Bank · 2 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: Minimum balance of $25.00 required. Opening regular shares enables access to other credit union products and services.
Offer: $100.00 minimum balance required to receive dividends; $25.00 minimum balance required.
0.99% interest rate · Effective Aug 3, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Minimum deposit or withdrawal of at least $250.00 required.
Offer: Minimum deposit or withdrawal of at least $250.00 required.
0.99% interest rate · Effective Aug 3, 2026
Rate by balance
Rate by balance for Cuima Balance APY $25 and upYour amount 1.00% $25,000 and up 2.00% $50,000 and up 3.00% Rate checked
More details - Farmers National BankInvestment PlusInvestment Plus · $0 min · 0.30%–0.55% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,0000.30% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Investment Plus Balance APY Over $0 0.30% $10,000 and upYour amount 0.35% $25,000 and up 0.40% $50,000 and up 0.45% $100,000 and up 0.55% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Withdrawals by preauthorization, automatic, telephone, or online/digital banking transfers are limited to six per month.
0.25% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Over $0 0.25% $5,000 and up 0.30% $10,000 and upYour amount 0.35% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: A $1.00 monthly service charge will be waived if the account holder maintains a daily balance of $50, maintains another checking, savings, CD or loan account with FNB with a balance of $1,000 or more on statement date, or is under the age of 18. Withdrawals by preauthorization, automatic, telephone or online/digital banking transfers are limited to six per month.
Offer: $1.00 monthly service charge waived with $50 daily balance, $1,000 balance in another FNB account, or for account holders under 18.
0.35% interest rate · $1 monthly fee · Effective Sep 25, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Interest compounded and credited monthly. Monthly statement of activity that includes check images. Automatic funds transfer options. FREE Checks, FREE Debit Card & ATM access (MoneyPass), FREE Online/Digital Banking access. FDIC Insured.
0.30% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Investment Plus Balance APY Over $0 0.30% $10,000 and upYour amount 0.35% $25,000 and up 0.40% $50,000 and up 0.45% $100,000 and up 0.55% Rate checked
More details - Farmers National BankInvestment Plus IIInvestment Plus II · $0 min · 0.35%–0.85% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,0000.35% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Investment Plus II Balance APY Over $0Your amount 0.35% $100,000 and up 0.55% $300,000 and up 0.70% $500,000 and up 0.85% Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Investment Plus II Balance APY Over $0Your amount 0.35% $100,000 and up 0.55% $300,000 and up 0.70% $500,000 and up 0.85% Rate checked
More details - Central Bank IllinoisMoney Market SavingsMoney Market Savings · $1,000 min · 0.25%–0.60% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $1,000 average daily balance. Interest compounded and paid monthly on daily balances above $1,000. $1 fee per withdrawal in excess of 3 per month.
Offer: Paid on daily balances between $1,000 and $9,999.99.
0.25% interest rate · $10 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.35% $25,000 and up 0.60% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest compounded and paid semi-annually. Statements released quarterly. $1 fee per withdrawal in excess of 3 per month.
Offer: Avoid the $5 monthly maintenance fee by maintaining a $100 average daily balance or by notifying the bank that you are under age 19 or a not-for-profit organization.
0.25% interest rate · $5 monthly fee · Effective Oct 14, 2026
Rate checked
More details - Cornerstone Credit UnionInsured Money MarketInsured Money Market · $2,500 min · 0.20%–0.95% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Fees could reduce earnings on your account. Three free withdrawals per month.
Offer: Minimum balance requirements apply to average daily balance to earn stated dividends. Dividends are compounded daily and paid monthly. Three free withdrawals per month.
Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Insured Money Market Balance APY $2,500 and upYour amount 0.20% $20,000 and up 0.40% $75,000 and up 0.95% 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 Sterling, IL metro
26 accounts at 8 banks and credit unions · checked Oct 16
- Typical
- 0.30%
- Top 10% from
- 1.69%
- Banks, typical
- 0.35%
- Credit unions, typical
- 0.18%
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Sterling, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Select Employees Credit UnionCredit union · 1 branch
- Advantage One Credit UnionCredit union · 1 branch