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Best Money Market Rates in Carbondale, Illinois (IL) - April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 5, 2026

Current Carbondale, Illinois and the surrounding area money market rates include De Witt Savings BankDe Witt Savings BankA+5.0 ★Texas Ratio: 3.19% N-Vest Money Market Tier 7 at 4.07% APY, FCB BanksFCB BanksA+5.0 ★Texas Ratio: 3.72% Hometown Money Market (with Direct Deposit) at 4.05% APY, United Trust BankUnited Trust BankA+5.0 ★Texas Ratio: 2.60% Money Market at 4.00% APY, United Equity Credit UnionUnited Equity Credit UnionA+5.0 ★Texas Ratio: 3.09% Money Market Account 12 Months at 3.90% APY, and Waterman BankWaterman BankA+5.0 ★Texas Ratio: 3.95% Business Money Market at 3.82% APY. Money market rates as of April 5, 2026 according to verified data from MonitorBankRates.

Carbondale has 2 local institutions in our database, with money market rates as high as 0.25% APY from First Southern Bank at 301 E Main St, Carbondale, IL 62901. Use the table below to compare all available offers, including options from institutions serving the broader Illinois area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Carbondale, Illinois and surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Money Market Rates Today in Carbondale, Illinois & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
De Witt Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
N-Vest Money Market Tier 7
4.07%
$25,000
View
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (with Direct Deposit)
4.05%
$0
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Money Market
4.00%
$100,000
View
▼
Rate3.92%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details

New Money Only

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Premium Money Market Special
4.00%
$100,000
View
▼
Rate3.92%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (without Direct Deposit)
3.95%
$0
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.95%
$0
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Money Market Account 12 Months
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Premium Money Market Special
3.90%
$10,000
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
Money Market
3.90%
$10,000
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

New Money Only

Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Money Market
3.82%
$2,500
View
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $2,499.99

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details

Minimum of $25,000 not currently deposited at Huntington.

Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Business Money Market
3.82%
$2,500
View
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $2,499.99

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

New money only

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (with Direct Deposit)
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Business Digital Money Market
3.75%
$2,500
View
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 2026
Details

Minimum deposit to open: $2,500; If balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months).; Other terms and conditions may apply

UMB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
UMB Retail Money Market
3.71%
$0
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Gold Coast Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
GCB Money Market Account
3.67%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.66%
$0
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Private Client Account****

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (without Direct Deposit)
3.65%
$0
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.60%
$0
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Huntington Platinum Perks Checking***

De Witt Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
N-Vest Money Market Tier 6
3.56%
$25,000
View
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.55%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Money Market Special
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

180-Day Promo Rate | $10,000 Min. Balance

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Huntington Perks Checking**

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$15,000+

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
6 Months Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
12 Months Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Business Money Markets
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Business Digital Money Market
3.50%
$2,500
View
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 2026
Details

Minimum deposit to open: $2,500; If balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months).; Other terms and conditions may apply

Peoples Bank (IN)
Institution Rating:
A5.0 ★ Texas Ratio: 9.70%
Money Market Special
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Non-Relationship Rate

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 7
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 8
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 9
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Alumni MMDA (Money Market)
3.34%
$10,000
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Alumni Money Market*
3.34%
$10,000
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.30%
$0
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (with Direct Deposit)
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
18 Months Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
24 Months Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Peoples Bank (IN)
Institution Rating:
A5.0 ★ Texas Ratio: 9.70%
Money Market Special
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

PeopleFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Account
3.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details

$2,500 minimum to open; $0.01 minimum to earn APY; APY is paid on entire balance in accounts

Central Federal SLA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
Premier High Yield Money Market
3.25%
$100,000
View
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 2, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Optimum Money Market
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Digital Money Market
3.22%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details

Minimum of $25,000 not currently deposited at Huntington.

Inland Bank & Trust
Institution Rating:
A+5.0 ★
Advantage Money Market Account
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 2, 2026
Details

$25,000 minimum to open account. $25,000 minimum to earn 3.20% APY.

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (with Direct Deposit)
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (without Direct Deposit)
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Advantage Money Market Account
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details

$25,000 minimum to open account. $25,000 minimum to earn 3.20% APY.

CenTrust Bank
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
Platinum Money Market Account
3.15%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $10,000.00

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
Insured Money Market
3.14%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $15,000,000.00

OSB Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.81%
Premier Money Market Account
3.14%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Hometown Money Market (with Direct Deposit)
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Platinum Money Market Account
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management Checking (Money Market)
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
Money Market Accounts
3.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Money Market Savings
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Money Market
3.00%
$250,000
View
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Optimum Money Market
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management Checking (Money Market)
2.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Platinum Money Market Account
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Money Market Account
2.75%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
60 Months Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
48 Months Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
36 Months Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Money Market Savings
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
Insured High Yield Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Optimum Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
MAXimum Money Markets
2.71%
$0
View
▼
Rate2.68%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market
2.63%
$0
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Platinum Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
Insured High Yield Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Money Market
2.50%
$100,000
View
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details

The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.29%
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Money Market Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market
2.43%
$0
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 6
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Insured Money Market Account (IMMA) TIER-4
2.35%
$0
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market
2.32%
$0
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Management Checking (Money Market)
2.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Carbondale, Illinois and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Carbondale, IL Money Market Rate Trends

Compare local Carbondale, IL money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Illinois MMA Trends →
High-Yield MMA — IL Avg
1.052%
▼ 0.417 vs 7 days ago

Illinois high-yield MMA rates fell 0.417 points over the past 7 days to 1.052% APY.

Standard MMA — IL Avg
0.890%
▼ 0.448 vs 7 days ago

Illinois standard MMA rates fell 0.448 points over the past 7 days to 0.890% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Carbondale, Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Carbondale, Illinois. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Carbondale, Illinois

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Illinois.

Are Money Market accounts in Carbondale, Illinois safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Illinois up to $250,000 per depositor, per institution.

How often do MMA rates change in Carbondale, Illinois?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Illinois rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Carbondale, Illinois

Here are some of the highest money market account APYs currently available in Carbondale, Illinois and the surrounding area:
  • De Witt Savings Bank
    N-Vest Money Market Tier 7 — 4.07% APY
  • FCB Banks
    Hometown Money Market (with Direct Deposit) — 4.05% APY
  • United Trust Bank
    Money Market — 4.00% APY
  • United Equity Credit Union
    Money Market Account 12 Months — 3.90% APY
  • Waterman Bank
    Business Money Market — 3.82% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Carbondale, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026

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