Best Banks & Checking Accounts in Bloomington, Illinois - March 2026
Brian McKay
Brian McKay
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The best checking rates for Bloomington, Illinois include Citizens Equity First Credit UnionCitizens Equity First Credit Union2323 E Empire St, Bloomington, IL 61704 8253A5.0 ★Texas Ratio: 6.76% Dividend Checking TIER-1 at 0.65% APY, INB National AssociationINB National Association2402 E Washington St, Bloomington, IL 61704A+5.0 ★Texas Ratio: 2.04% Power Plus Checking at 0.35% APY, Heartland Bank and Trust CompanyHeartland Bank and Trust Company401 N Hershey Rd, Bloomington, IL 61704A+5.0 ★Texas Ratio: 1.53% Capital Interest Checking at 0.25% APY, University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union1722 E Hamilton Rd, Bloomington, IL 61704A+5.0 ★Texas Ratio: 5.86% Loyalty Checking at 0.05% APY, and Bank of PontiacBank of Pontiac4001 General Electric Rd, Bloomington, IL 61704A+5.0 ★Texas Ratio: 1.52% Interest Checking Tier II at 0.05% APY.
Looking for the best checking accounts in Bloomington, Illinois? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Bloomington, Illinois, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Bloomington, Illinois. Checking Account Rates Last Updated and Verified: March 22, 2026
Bloomington, IL Checking Rate Trends
Compare local Bloomington, IL checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Illinois high-yield checking rates rose 0.379 points this week to 0.517% APY, up from 0.138% last week.
Illinois rewards checking rates rose 0.782 points this week to 2.226% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Bloomington, Illinois & the Surrounding Area
Bloomington, IL 61704 8253
No additional details provided.
Bloomington, IL 61704 8253
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Bloomington, IL 61704 8253
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
Qualifying balance up to $4,999.99
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Crystal Lake, IL 60014
Qualifying balance up to $15000
Joliet, IL 60436
Qualifying balance up to $25,000.00
Galesburg, IL 61401
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
Qualifying balance up to $4,999.99
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Crystal Lake, IL 60014
Qualifying balance up to $15000
Joliet, IL 60436
Qualifying balance up to $25,000.00
Lisle, IL 60532
Qualifying balance up to $15,000.00
Monmouth, IL 61462
Qualifications Required; Qualifying balance up to $200.00
Bethalto, IL 62010
Qualifications Required; Qualifying balance up to $10,000.00
Galesburg, IL 61401
No additional details provided.
ROCK ISLAND, IL 61201
Qualifying balance up to $15,000.00
Monmouth, IL 61462
Qualifications Required; Qualifying balance up to $200.00
Bethalto, IL 62010
Qualifications Required; Qualifying balance up to $10,000.00
Clinton, IL 61727
Qualifying balance up to $8.75
Moweaqua, IL 62550
Qualifying balance up to $25,000.00
Bourbonnais, IL 60914
Qualifications Required: Conduct 20 or more debit card purchases totaling $75 or more; Set up at least 1 direct deposit or multiple direct deposits totaling $500 or more; Enroll in eStatements; Qualifying balance up to $10,000.00; Nationwide ATM fee refunds up to $25** if qualifications are met
Kinderhook, IL 62345
Qualifications Required; Qualifying balance up to $50,000.00
Clay City, IL 62824
Qualifications Required; Qualifying balance up to $25,000.00
Charleston, IL 61920
No additional details provided.
Waterloo, IL 62298
Qualifying balance up to $10,000
Herrin, IL 62948
No additional details provided.
Elk Grove Village, IL 60007
Qualifying balance up to $15,000.00
North Chicago, IL 60064 1803
No additional details provided.
Bourbonnais, IL 60914
Qualifications Required; Qualifying balance up to $15,000.00
Naperville, IL 60563 0112
CASH BACK
East Saint Louis, IL 62201
Qualifying balance up to $5000
East Saint Louis, IL 62201
Interest paid on balances up to $5,000. Rate may change after account opening. Fees could reduce earnings. Please refer to the Vantage Rewards+ Checking account disclosure for complete details.
Flora, IL 62839
No additional details provided.
Elk Grove Village, IL 60007
Qualifying balance up to $15,000.00
Chicago, IL 60641
No additional details provided.
Charleston, IL 61920
No additional details provided.
Wenona, IL 61377
No additional details provided.
Champaign, IL 61820
No daily balance required to earn interest
Cicero, IL 60804
No additional details provided.
Lansing, IL 60438
Rates can change daily, Daily compounding
Aurora, IL 60506
No additional details provided.
Chicago, IL 60608
No additional details provided.
West Chicago, IL 60185
Minimum deposit to open: $25; Minimum balance to avoid fee: A maintenance fee of $5.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.; Other terms and conditions may apply1.
West Chicago, IL 60185
Minimum deposit to open: $25; Minimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.; Other terms and conditions may apply1.
Cicero, IL 60804
No additional details provided.
Moline, IL 61265
No additional details provided.
Rockford, IL 61108 7813
No additional details provided.
Decatur, IL 62526
No additional details provided.
Galesburg, IL 61401
No additional details provided.
Rolling Meadows, IL 60008 1015
No additional details provided.
Lansing, IL 60438
Rates can change daily, Daily compounding
West Chicago, IL 60185
Minimum deposit to open: $25; No minimum balance requirement; No monthly maintenance fee; Other terms and conditions may apply1.
Calumet City, IL 60409
No additional details provided.
Springfield, IL 62703
No additional details provided.
Bloomington, IL 61704
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Bloomington, IL 61704
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
No additional details provided.
Bloomington, IL 61704
Minimum Deposit to Open and Obtain APY*: Less than $10,000
Oblong, IL 62449
No additional details provided.
Bethalto, IL 62010
No additional details provided.
Bethalto, IL 62010
No additional details provided.
Bethalto, IL 62010
No additional details provided.
Oblong, IL 62449
No additional details provided.
Camp Grove, IL 61424
$100,000 and above
Mascoutah, IL 62258
No additional details provided.
Camp Grove, IL 61424
$50,000 up to $99,999.99
Quincy, IL 62301
No additional details provided.
Oblong, IL 62449
No additional details provided.
Mascoutah, IL 62258
No additional details provided.
Moline, IL 61265
No additional details provided.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Bloomington, Illinois directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Bloomington, Illinois. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IL.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Bloomington, Illinois earn interest?
Are banks in Bloomington, Illinois FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Bloomington, Illinois
- Citizens Equity First Credit Union
Dividend Checking TIER-1 — 0.65% APY - INB National Association
Power Plus Checking — 0.35% APY - Heartland Bank and Trust Company
Capital Interest Checking — 0.25% APY - University of Illinois Community Credit Union
Loyalty Checking — 0.05% APY - Bank of Pontiac
Interest Checking Tier II — 0.05% APY
