Best Money Market Rates in O Fallon, Illinois (IL) - March 2026
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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.
Current O Fallon, Illinois and the surrounding area money market rates include De Witt Savings BankDe Witt Savings Bank302 W Main St, Clinton, IL 61727A+5.0 ★Texas Ratio: 3.19% N-Vest Money Market Tier 7 at 4.07% APY, FCB BanksFCB Banks1501 W Highway 50, O Fallon, IL 62269A+5.0 ★Texas Ratio: 3.72% Hometown Money Market (with Direct Deposit) at 4.05% APY, United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% Premium Money Market Special at 4.00% APY, United Equity Credit UnionUnited Equity Credit Union687 Lincoln St, Galesburg, IL 61401A+5.0 ★Texas Ratio: 3.09% Money Market Account 12 Months at 3.90% APY, and Waterman BankWaterman Bank248 W Lincoln Hwy, Waterman, IL 60556A+5.0 ★Texas Ratio: 3.95% Money Market at 3.82% APY.
To see how these money market rates in O Fallon, Illinois and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in O Fallon, Illinois (IL) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in O Fallon, Illinois and surrounding area. Last Updated and Verified: March 20, 2026
O Fallon, IL Money Market Rate Trends
Compare local O Fallon, IL MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — IL Avg
1.415%
▲ 0.731 from last week
Illinois high-yield MMA rates rose 0.731 points this week to 1.415% APY, up from 0.683% last week.
Standard MMA — IL Avg
1.130%
▲ 0.361 from last week
Illinois standard MMA rates rose 0.361 points this week to 1.130% APY, up from 0.768% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in O Fallon, Illinois & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (with Direct Deposit)
4.05%
$0
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (without Direct Deposit)
3.95%
$0
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.95%
$0
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (with Direct Deposit)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (without Direct Deposit)
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.60%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (with Primary Business Checking at FCB)
3.55%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (with Direct Deposit)
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Jumbo Commercial Money Market (without Primary Business Checking at FCB)
3.30%
$0
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (without Direct Deposit)
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (with Direct Deposit)
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (without Direct Deposit)
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FCB Banks
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1501 W Highway 50, O Fallon, IL 62269
Hometown Money Market (with Direct Deposit)
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
2.75%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
450 Regency Park, O Fallon, IL 62269 1886
Insured Money Market Account (IMMA) TIER-4
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
450 Regency Park, O Fallon, IL 62269 1886
Insured Money Market Account (IMMA) TIER-3
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
450 Regency Park, O Fallon, IL 62269 1886
Insured Money Market Account (IMMA) TIER-2
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
450 Regency Park, O Fallon, IL 62269 1886
Insured Money Market Account (IMMA) TIER-1
2.30%
$0
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
712 E Highway 50, O Fallon, IL 62269 2812
Money Market
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
712 E Highway 50, O Fallon, IL 62269 2812
Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
712 E Highway 50, O Fallon, IL 62269 2812
Money Market
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
1.95%
$0
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
1.90%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
1.85%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
712 E Highway 50, O Fallon, IL 62269 2812
Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1119 S Lincoln Ave, O Fallon, IL 62269 2694
Money Market Account
1.80%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
N-Vest Money Market Tier 7
4.07%
$25,000
▼
Rate4.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 13, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Premium Money Market Special
4.00%
$100,000
▼
Rate3.92%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
Money Market Account 12 Months
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Premium Money Market Special
3.90%
$10,000
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedMar 15, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Money Market
3.82%
$2,500
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $2,499.99
Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Business Money Market
3.82%
$2,500
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $2,499.99
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
New money only
Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
101 Main St, West Chicago, IL 60185
Business Digital Money Market
3.75%
$2,500
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 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 apply1.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO 63368
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
New money only
UMB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
9957 Winghaven Blvd, O Fallon, MO 63368
UMB Retail Money Market
3.71%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Gold Coast Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
1165 N Clark St, Chicago, IL 60610
GCB Money Market Account
3.67%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Relationship Money Market Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Private Client Account****
De Witt Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
N-Vest Money Market Tier 6
3.56%
$25,000
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 13, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Relationship Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Platinum Perks Checking***
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Relationship Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
With Huntington Perks Checking**
Peoples Bank (IN)
Institution Rating:
A5.0 ★ Texas Ratio: 9.70%
4824 W 147th Street, Midlothian, IL 60445
Money Market Special
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
101 Main St, West Chicago, IL 60185
Business Digital Money Market
3.50%
$2,500
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 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 apply1.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$15,000+
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2525 Green Bay Rd, North Chicago, IL 60064
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
12 Months Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
6 Months Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Relationship Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Non-Relationship Rate
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
Business IMMA - Tier 7
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
Business IMMA - Tier 8
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
Business IMMA - Tier 9
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
3.34%
$10,000
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
3.34%
$10,000
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IRA-HSA IMMA
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Peoples Bank (IN)
Institution Rating:
A5.0 ★ Texas Ratio: 9.70%
4824 W 147th Street, Midlothian, IL 60445
Money Market Special
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
24 Months Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IRA-HSA IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IRA-HSA IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
18 Months Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IMMA
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IRA-HSA IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Central Federal SLA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
5953 W Cermak Rd, Cicero, IL 60804
Premier High Yield Money Market
3.25%
$100,000
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMar 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
3.24%
$0
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
101 Main St, West Chicago, IL 60185
Digital Money Market
3.22%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Inland Bank & Trust
Institution Rating:
A+5.0 ★
2805 Butterfield Rd, Oak Brook, IL 60523
Advantage Money Market Account
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
$25,000 minimum to open account. $25,000 minimum to earn 3.20% APY.
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
6945 N Clark St, Chicago, IL 60626
Advantage Money Market Account
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
CenTrust Bank
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
385 Waukegan Rd, Northbrook, IL 60062
Platinum Money Market Account
3.15%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $10,000.00
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
3.09%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
3.08%
$10,000
▼
Rate3.04%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
3.08%
$10,000
▼
Rate3.04%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Money Market Account
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
26 Farragut Avenue, Great Lakes, IL 60088
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
APY for 6 months
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Money Management Checking (Money Market)
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Diamond
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
1980 National Blvd, Galesburg, IL 61401
Money Market Accounts
3.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
2.99%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO 63368 8138
Money Management Checking (Money Market)
2.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
36 Months Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL 61032 7610
Insured High Yield Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
48 Months Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
60 Months Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Savings
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
MAXimum Money Markets
2.71%
$0
▼
Rate2.68%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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MonitorBankRates
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 O Fallon, 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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for O Fallon, 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 O Fallon, 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 O Fallon, 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 O Fallon, 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 O Fallon, 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 O Fallon, Illinois
Here are some of the highest money market account APYs currently available in O Fallon, 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
Premium Money Market Special — 4.00% APY - United Equity Credit Union
Money Market Account 12 Months — 3.90% APY - Waterman Bank
Money Market — 3.82% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in O Fallon, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
