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Illinois Savings Rate Trends

Aurora, Illinois (IL) Savings Rates - March 2026

The best savings rates for Aurora, Illinois and the surrounding area include PNC BankPNC Bank251 W Garfield Rd, Aurora, OH 44202A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, The Huntington National BankThe Huntington National Bank2430 W Indian Trl, Aurora, IL 60506A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, Fox Valley Credit UnionFox Valley Credit Union575 N Broadway, Aurora, IL 60505A+5.0 ★Texas Ratio: 4.82% IRA Savings at 2.02% APY, St. Charles Bank & Trust CompanySt. Charles Bank & Trust Company2287 W Galena Blvd, Aurora, IL 60506A+5.0 ★Texas Ratio: 3.69% Statement Savings Advanced Special at 2.00% APY, and Consumers Credit UnionConsumers Credit Union320 E INDIAN TRL, AURORA, IL 60505A5.0 ★Texas Ratio: 7.16% Liquid Savings Account at 0.50% APY.

To see how these savings rates in Aurora, Illinois, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Aurora, Illinois (IL) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Aurora, Illinois and the surrounding area. Last Updated and Verified: March 20, 2026

Aurora, IL Savings Rate Trends

Compare local Aurora, IL savings rate quotes against the statewide average

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

View Full Illinois Savings Trends →
High-Yield Savings — IL Avg
2.524%

Illinois high-yield savings rates currently average 2.524% APY based on data from institutions in our monitoring network.

Standard Savings — IL Avg
0.593%
▲ 0.143 from last week

Illinois standard savings rates rose 0.143 points this week to 0.593% APY, up from 0.450% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Aurora, Illinois & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
251 W Garfield Rd, Aurora, OH 44202
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2430 W Indian Trl, Aurora, IL 60506
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

St. Charles Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2287 W Galena Blvd, Aurora, IL 60506
Statement Savings Advanced Special
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifications Required: Open new Statement Savings Advanced account; mention offer during in-branch account opening or visit URL provided; deposit new money (money not currently held at any Wintrust Financial Corporation location) into the new Statement Savings Advanced account at account opening; Offer subject to change at any time & without notice. APY not available at all locations. Offer available to existing or closed savings account customers of Wintrust Financial Corporation & its subsidiaries or employees. Offer combinable with any Wintrust Financial Corporation checking offer, but not with a Statement Savings deposit bonus offer. May not be available at all locations.

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
Christmas Savings & Club Accounts
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
320 E INDIAN TRL, AURORA, IL 60505
Liquid Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Simply Savings
0.50%
$50
Rate0.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Simply Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
320 E INDIAN TRL, AURORA, IL 60505
Christmas Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3054 E New York St, Aurora, IL 60502
Minor Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Disclosure

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3054 E New York St, Aurora, IL 60502
Easy Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Disclosure

First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3054 E New York St, Aurora, IL 60502
Student Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Disclosure

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Simply Savings
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
320 E INDIAN TRL, AURORA, IL 60505
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
Prime Share
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
320 E INDIAN TRL, AURORA, IL 60505
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
403 Asbury Dr, Aurora, IL 60502
Primary Share
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 15, 2026
Details

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1735 N Farnsworth Ave, Aurora, IL 60505 1511
Regular Tiered Shares
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1735 N Farnsworth Ave, Aurora, IL 60505 1511
Regular Tiered Shares
0.07%
$0
Rate0.07%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Health Savings Account (HSA) Checking
0.07%
$50
Rate0.07%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
Share Draft (Checking)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Health Savings Account (HSA) Checking
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
251 W Garfield Rd, Aurora, OH 44202
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Simply Savings
0.03%
$50
Rate0.03%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Health Savings Account (HSA) Checking
0.03%
$50
Rate0.03%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1575 Ogden Ave, Aurora, IL 60503
Health Savings Account (HSA) Checking
0.02%
$50
Rate0.02%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
251 W Garfield Rd, Aurora, OH 44202
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
242 Wall St, East Dubuque, IL 61025
Snap $tack Savings
5.12%
$1,000
Rate5.00%
Min Deposit$1,000
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $5,000.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $5,000.00

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
Savings Builder - Tier 1
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Digital Advantage Savings
4.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Elite Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL 61710 0001
IRA Savings Accounts
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL 61710 0001
Share Savings Accounts
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL 61710 0001
Electronic Share Accounts
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

when you add Direct Deposit to a new or existing Justice Federal Checking Account.

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
Kids Cash Savings
4.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 18, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
2500 River Dr, Moline, IL 61265 1670
SavingsBooster
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Preferred Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Kids Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 17, 2026
Details

Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
High-Yield Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 17, 2026
Details

Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Business Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 17, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Elite Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2323 S Wentworth Ave, Chicago, IL 60616
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

Terms and Conditions apply.

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2075 Big Timber Rd, Elgin, IL 60123 1140
Business Prosperity Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 18, 2026
Details

Intro rate subject to change

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
Savings Builder - Tier 2
3.62%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
2500 River Dr, Moline, IL 61265 1670
SavingsBooster
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Elite Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Fast Ave, Mackinaw, IL 61755
Health Savings Accounts
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Northwest Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1420 Miner St, Des Plaines, IL 60016
Average daily share balance ranges
3.49%
$0
Rate0.00%
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
Business IMMA - Tier 7
3.35%
$0
Rate0.00%
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
Rate0.00%
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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
Investment Savings
3.35%
$50,000
Rate3.31%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$250,000.00 - $499,999.99

PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
Savings
3.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMar 15, 2026
Details

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

FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
145 E 5th Ave, Clifton, IL 60927
Health Savings Account
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
Structured Savings IRA
3.02%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances Of $5,000-$100,000

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL 60050
Premier Health Savings Account
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Lisle Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1450 Maple Ave, Lisle, IL 60532
High Interest Savings
3.00%
$10
Rate2.96%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
Investment Savings
3.00%
$50,000
Rate2.97%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$150,000.00 - $249,999.99

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.

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 Savings Rate Data: We aggregate savings account rates for Aurora, 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 savings 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 Aurora, Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in IL.

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

Frequently Asked Questions about Savings Accounts in Aurora, Illinois

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Illinois, help your money grow faster through a higher APY.

Are savings accounts in Aurora, 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 savings rates change in Aurora, Illinois?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Aurora, Illinois may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Aurora, Illinois?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Aurora, Illinois offer in-person customer service, which some customers prefer.

How do I open a savings account in Aurora, Illinois?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Aurora, Illinois

Here are recent savings rates observed in Aurora, Illinois and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
  • Fox Valley Credit Union
    IRA Savings — 2.02% APY
  • St. Charles Bank & Trust Company
    Statement Savings Advanced Special — 2.00% APY
  • Consumers Credit Union
    Liquid Savings Account — 0.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Aurora, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026