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Illinois Savings Rate Trends

Bloomington, Illinois (IL) Savings Rates - March 2026

The best savings rates for Bloomington, Illinois and the surrounding area include State Farm Federal Credit UnionState Farm Federal Credit Union1 State Farm Plz, Bloomington, IL 61710 0001A+5.0 ★Texas Ratio: 0.27% Electronic Share Accounts at 4.08% APY, IAA Credit UnionIAA Credit Union808 Iaa Dr, Bloomington, IL 61701 2214A+5.0 ★Texas Ratio: 1.88% Premier Savings at 4.00% APY, PNC BankPNC Bank202 E Washington St, Bloomington, IL 61701A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, INB National AssociationINB National Association2402 E Washington St, Bloomington, IL 61704A+5.0 ★Texas Ratio: 2.04% Structured Savings IRA at 3.02% APY, and Illinois State Credit UnionIllinois State Credit Union1408 Airport Rd, Bloomington, IL 61704 2566A+5.0 ★Texas Ratio: 4.44% My Fortune Savings at 2.89% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Bloomington, 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 Bloomington, Illinois (IL) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Bloomington, Illinois and the surrounding area. Last Updated and Verified: March 27, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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

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

IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Premier Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

4th Quarter 2025; Qualifying balance up to $20,000.00

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
202 E Washington St, Bloomington, IL 61701
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Structured Savings IRA
3.02%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

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

Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1408 Airport Rd, Bloomington, IL 61704 2566
My Fortune Savings
2.89%
$20
Rate2.89%
Min Deposit$20
Min Balance
UpdatedMar 24, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Structured Savings IRA
2.55%
$0
Rate2.52%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances Of up to $4,999.99

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
1722 E Hamilton Rd, Bloomington, IL 61704
Jump Start Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5000.00

Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1408 Airport Rd, Bloomington, IL 61704 2566
Kids Club Savings
1.90%
$20
Rate1.90%
Min Deposit$20
Min Balance
UpdatedMar 24, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
Christmas and Vacation Shares
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Premier Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $250,000.00 and up

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Premier Money Market Savings
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $50,000.00-$249,999.99

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL 61704
christmas club Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
Shares
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Premier Money Market Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $10,000.00-$49,999.99

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
401 N Hershey Rd, Bloomington, IL 61704
Simply Savings
0.50%
$50
Rate0.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1408 Airport Rd, Bloomington, IL 61704 2566
Savings Account
0.50%
$20
Rate0.50%
Min Deposit$20
Min Balance
UpdatedMar 24, 2026
Details

Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1408 Airport Rd, Bloomington, IL 61704 2566
IRA Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Money Market Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $250,000.00 and up

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Health Savings Accounts (Interest-Bearing Checking)
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Bloomington Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1511 E EMPIRE ST, BLOOMINGTON, IL 61701
Special Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bloomington Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
1511 E EMPIRE ST, BLOOMINGTON, IL 61701
Regular Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Money Market Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $50,000.00-$249,999.99

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Premier Money Market Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $1,000.00-$9,999.99

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
401 N Hershey Rd, Bloomington, IL 61704
Simply Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Money Market Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of $10,000.00-$49,999.99

IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

4th Quarter 2025

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Youth/Minor Savings
0.20%
$10
Rate0.20%
Min Deposit$10
Min Balance
UpdatedMar 27, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Business Savings
0.20%
$100
Rate0.20%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Premier Money Market Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of up to $999.99

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Health Savings Accounts (Interest-Bearing Checking)
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2402 E Washington St, Bloomington, IL 61704
Money Market Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Daily Balances of up to $999.99

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
401 N Hershey Rd, Bloomington, IL 61704
Simply Savings
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4001 General Electric Rd, Bloomington, IL 61704
Health Savings Tier III
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

$25 annual fee

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
502 N Hershey Rd, Bloomington, IL 61704
Business Savings
0.15%
$300
Rate0.15%
Min Deposit$300
Min Balance
UpdatedMar 26, 2026
Details

$300.00 Minimum to Open

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
502 N Hershey Rd, Bloomington, IL 61704
FSBSavings
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

$25.00 Minimum to Open

Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4001 General Electric Rd, Bloomington, IL 61704
Health Savings Tier II
0.10%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

$25 annual fee

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
401 N Hershey Rd, Bloomington, IL 61704
Health Savings Account (HSA) Checking
0.07%
$50
Rate0.07%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 13.29%
1811 Eastland Dr, Bloomington, IL 61704
Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
401 N Hershey Rd, Bloomington, IL 61704
Health Savings Account (HSA) Checking
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Morton Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
2807 E Empire St, Bloomington, IL 61704
Classic Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Morton Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
2807 E Empire St, Bloomington, IL 61704
Health Savings Accounts
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Full Balance

Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4001 General Electric Rd, Bloomington, IL 61704
Health Savings Tier I
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

$25 annual fee

Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
4001 General Electric Rd, Bloomington, IL 61704
Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
2401 E Washington St, Bloomington, IL 61704
Regular Savings
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 26, 2026
Details

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
1722 E Hamilton Rd, Bloomington, IL 61704
IRA Share Savings
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
1722 E Hamilton Rd, Bloomington, IL 61704
Share Savings
0.01%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 22, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
Share Drafts
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

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 22, 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 22, 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 22, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Premier Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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 22, 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 27, 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 27, 2026
Details

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

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 22, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Premier Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

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 25, 2026
Details

Intro rate subject to change

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.

Bloomington, IL Savings Rate Trends

Compare local Bloomington, 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
2.306%
▲ 0.755 from last week

Illinois high-yield savings rates rose 0.755 points this week to 2.306% APY, up from 1.551% last week.

Standard Savings — IL Avg
0.499%
▼ 0.181 from last week

Illinois standard savings rates fell 0.181 points this week to 0.499% APY, down from 0.680% last week.

As of Mar 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, 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 Bloomington, Illinois?

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

How do I open a savings account in Bloomington, 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 Bloomington, Illinois

Here are recent savings rates observed in Bloomington, Illinois and the surrounding area:
  • State Farm Federal Credit Union
    Electronic Share Accounts — 4.08% APY
  • IAA Credit Union
    Premier Savings — 4.00% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • INB National Association
    Structured Savings IRA — 3.02% APY
  • Illinois State Credit Union
    My Fortune Savings — 2.89% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bloomington, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026