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 Bloomington, IL
- IAA Credit UnionPremier Savings (2nd Quarter 2026)Savings · 0.25%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000Requirements
Product: No fees to open or maintain. Limit of one Premier Savings account per membership. Not open to business membership. Interest is paid quarterly.
Offer: Rate applied on balances up to $20,000.
3.94% interest rate · No monthly fee
Rate by balance
Rate by balance for Premier Savings (2nd Quarter 2026) Balance APY Up to $20,000Your amount 4.00% $20,000 and up 0.25% Rate checked
More details - 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 · 2 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 - 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 - 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 - Bloomington Municipal Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $2,500 min
Credit union · 1 branch
1.61%APY$161 a year on $10,000Requirements
Product: Requires a $2,500 minimum balance with only three withdrawals or transfers per month. If more than three transactions are conducted in a month or the balance goes below $2,500.00, there is a $10 monthly fee.
Offer: Compounded daily, paid quarterly. $10 monthly fee applies if more than 3 transactions/withdrawals per month or balance falls below $2,500.
1.60% interest rate · Compounded daily · $10 monthly fee · Effective Mar 19, 2025
Rate checked
More details - IAA Credit UnionPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.70%–2.43% by balance
Credit union · 2 branches
1.41%APY$141 a year on $10,000with conditionsRequirements
Product: Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck.
Offer: Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield.
Qualified rate · 0.70% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $5,000 0.70% $5,000 – $15,000Your amount 1.41% $15,000 – $25,000 1.61% $25,000 – $50,000 2.02% $50,000 and up 2.43% Rate checked
More details - First State BankFirst Class Money MarketFirst Class Money Market · $2,500 min · 1.00%–2.27% by balance
Bank · 1 branch
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 - Bloomington Municipal Credit UnionRegular Share Savings AccountSavings · $10 min
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Initial account required to become a member; allows up to two other share savings accounts for special savings purposes (college, taxes, vacation, etc.).
Rate checked
More details - IAA Credit UnionMoney MarketMoney Market · $1,000 min · 0.45%–1.61% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,0000.45% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $5,000 0.45% $5,000 – $15,000Your amount 0.60% $15,000 – $25,000 1.11% $25,000 – $50,000 1.36% $50,000 and up 1.61% 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 - Heartland Bank and Trust CompanyCapital Money MarketCapital Money Market · $10,000 min · 0.01%–2.27% by balance
Bank · 4 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
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 Bloomington, IL
57 accounts at 19 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.65%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.55%
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Bloomington, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- State Farm Federal Credit UnionCredit union · 1 branch
- U of I Community Credit UnionCredit union · 2 branches