Best Money Market Rates in Oregon, Illinois - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Oregon, Illinois and the surrounding area money market deposit account rates include FSB of ForrestFSB of ForrestA5.0 ★Texas Ratio: 7.75% Money Market Account at 4.00% APY, United Trust BankUnited Trust BankA+5.0 ★Texas Ratio: 2.60% Money Market at 4.00% APY, Waterman BankWaterman BankA+5.0 ★Texas Ratio: 3.95% Business Money Market at 3.82% APY, State Bank of TexasState Bank of TexasA+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, and Republic Bank of ChicagoRepublic Bank of ChicagoA+5.0 ★Texas Ratio: 4.71% Business Money Market at 3.75% APY. Money market rates as of July 11, 2026 according to verified data from MonitorBankRates.
Oregon is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Illinois area are available to Oregon residents, with money market rates as high as 4.00% APY from FSB of Forrest. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Oregon, Illinois and surrounding area. Last Updated and Verified: July 11, 2026
Compare the Best Money Market Rates Today in Oregon, Illinois & the Surrounding Area
New Money Only
Special rate as of 4/9/2025
New Money Only
Special rate as of 4/9/2025
Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
Business Money Market Account
Balance range: $250,000-$1,000,000
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Balance range: $1,000,001-$1,500,000
As Low As
Variable rate; based on your zip code. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier.
Special interest rate for balances between $25,000.00 to $2,000,000.99. Variable rate and subject to change at any time. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Interest paid monthly. A monthly fee of $25 will be assessed if the minimum daily balance falls below $10,000. Fees may reduce earnings on the account. Interest rates and APY may change at any time without notice at the Bank's discretion. We use the daily balance method to calculate interest on the account. Accounts closed before the interest payment date will not earn accrued interest for that period. See Deposit Account Agreement and Disclosures for additional terms. New deposits only are defined as not currently on deposit with Centrust Bank.
Average Daily Balance up to $15,000,000
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Available exclusively online; Fees may reduce account earnings. APY is accurate as of 05/13/2026. APY may change and offer may be withdrawn at any time without notice. 8x based on FDIC monthly interest savings rate as of 05/12/2026.
Includes our highest money market rate and the ease of online account opening. Minimum balance to avoid $25 monthly maintenance fee. Variable rate, tiered product. Interest rates may change at any time without notice. Fees may reduce earnings. We determine the interest rate based on current market conditions, and changes are made at our discretion. Account must be funded with money not currently on deposit with Republic Bank of Chicago. Fees may reduce account earnings. APY is accurate as of 05/13/2026. APY may change and offer may be withdrawn at any time without notice.
Qualifying balance up to $99,999.99+
Balance: $250,000.00 and up
*
Qualifying balance up to $99,999.99
at least once during each year
Platinum Money Market $500,000.00 & Above
Qualifying balance up to $99,999.99+
Valid Thru: 06/28/2026
Compounding: Monthly; V,F
Qualifying balance up to $99,999.99
$250,000 and above
Tiered rates based on balance: $1.00-$24,999.99 (0.20% Interest, 0.20% APY), $25,000.00-$99,999.99 (0.70% Interest, 0.70% APY), $100,000.00-$249,999.99 (1.20% Interest, 1.21% APY), $250,000.00-$499,999.99 (1.70% Interest, 1.71% APY), $500,000.00 and up (2.20% Interest, 2.22% APY)
HCU
Rates can change daily, Daily compounding
Rates can change daily, Daily compounding
Qualifying balance up to $24,999.99
$100,000 - $249,999
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.
Oregon, IL Money Market Rate Trends
Compare local Oregon, 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.
Illinois high-yield MMA rates fell 0.008 points over the past 7 days to 3.182% APY.
Illinois standard MMA rates rose 0.078 points over the past 7 days to 0.728% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oregon, Illinois money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Oregon, 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 Oregon, 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 Oregon, Illinois
What is a Money Market Account (MMA)?
Are Money Market accounts in Oregon, Illinois safe?
How often do MMA rates change in Oregon, Illinois?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oregon, Illinois?
Best Money Market Rates in Oregon, Illinois
- FSB of Forrest
Money Market Account — 4.00% APY - United Trust Bank
Money Market — 4.00% APY - Waterman Bank
Business Money Market — 3.82% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - Republic Bank of Chicago
Business Money Market — 3.75% APY
