Mattoon, Illinois (IL) Savings Rates - March 2026
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The savings 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.
The best savings rates for Mattoon, Illinois and the surrounding area include Area Educational Credit UnionArea Educational Credit Union812 CHARLESTON AVE, MATTOON, IL 61938A+5.0 ★Texas Ratio: 0.95% Shares at 2.01% APY, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union720 Broadway Ave, Mattoon, IL 61938A5.0 ★Texas Ratio: 6.84% Health Savings Account (HSA) at 1.00% APY, Washington Savings Bank Effingham, ILWashington Savings Bank Effingham, IL1111 Charleston Ave, Mattoon, IL 61938A+5.0 ★Texas Ratio: 2.45% Business savings account at 0.40% APY, First Mid Bank & TrustFirst Mid Bank & Trust1515 Charleston Ave, Mattoon, IL 61938A+5.0 ★Texas Ratio: 2.74% Retail Savings at 0.05% APY, and Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)242 Wall St, East Dubuque, IL 61025A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY.
To see how these savings rates in Mattoon, 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 Mattoon, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Mattoon, Illinois and the surrounding area. Last Updated and Verified: March 20, 2026
Mattoon, IL Savings Rate Trends
Compare local Mattoon, 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.
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 Mattoon, Illinois & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Area Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL 61938
Shares
2.01%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL 61938
Health Savings Account (HSA)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Business savings account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Business savings account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Business savings account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
personal savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Health Savings Accounts (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
personal savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Health Savings Accounts (HSA)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Business savings account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Health Savings Accounts (HSA)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
Business savings account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1111 Charleston Ave, Mattoon, IL 61938
personal savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL 61938
Share Draft Plus/Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL 61938
Regular Shares
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1515 Charleston Ave, Mattoon, IL 61938
Retail Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 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
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
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
Electronic Share Accounts
4.08%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
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
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.
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
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.
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
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
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
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
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
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
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
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
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 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
IMMA - Tier 9
3.25%
$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
IMMA - Tier 8
3.25%
$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
IMMA - Tier 7
3.25%
$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
IMMA
3.25%
$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
Community Business Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11375 Oldenburg Ln, Galena, IL 61036 8104
Launchpad Savings
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
145 N 4th St, De Kalb, IL 60115
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
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
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
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
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.
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
104 E Main St, Elmwood, IL 61529
Vacation Club Savings
2.95%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
242 Wall St, East Dubuque, IL 61025
IRA Preferred Rate Savings
2.78%
$50,000
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
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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.
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 Mattoon, 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 Mattoon, 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 Mattoon, 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 Mattoon, 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 Mattoon, 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 Mattoon, 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 Mattoon, Illinois?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Mattoon, Illinois offer in-person customer service, which some customers prefer.
How do I open a savings account in Mattoon, 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 Mattoon, Illinois
Here are recent savings rates observed in Mattoon, Illinois and the surrounding area:
- Area Educational Credit Union
Shares — 2.01% APY - Land Of Lincoln Credit Union
Health Savings Account (HSA) — 1.00% APY - Washington Savings Bank Effingham, IL
Business savings account — 0.40% APY - First Mid Bank & Trust
Retail Savings — 0.05% APY - Fidelity Bank & Trust (IA)
Snap $tack Savings — 5.12% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Mattoon, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
