Normal, 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 Normal, Illinois and the surrounding area include PNC BankPNC Bank1501 E College Ave, Normal, IL 61761A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Illinois State Credit UnionIllinois State Credit Union1309 S Center St, Normal, IL 61761 3458A+5.0 ★Texas Ratio: 4.44% My Fortune Savings at 2.89% APY, University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union416 Kays Dr, Normal, IL 61761A+5.0 ★Texas Ratio: 5.86% Jump Start Savings at 2.00% APY, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union115 Susan Dr, Normal, IL 61761A5.0 ★Texas Ratio: 6.84% Health Savings Account (HSA) at 1.00% APY, and Citizens Bank of ChatsworthCitizens Bank of Chatsworth1710 E College Ave, Normal, IL 61761B+4.7 ★Texas Ratio: 18.96% Savings Account at 0.50% APY.
To see how these savings rates in Normal, 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 Normal, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Normal, Illinois and the surrounding area. Last Updated and Verified: March 21, 2026
Normal, IL Savings Rate Trends
Compare local Normal, 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
2.533%
Illinois high-yield savings rates currently average 2.533% APY based on data from institutions in our monitoring network.
Standard Savings — IL Avg
0.413%
Illinois standard savings rates currently average 0.413% APY based on data from institutions in our monitoring network.
As of Mar 21, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Normal, 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%
1501 E College Ave, Normal, IL 61761
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
My Fortune Savings
2.89%
$20
▼
Rate2.89%
Min Deposit$20
Min Balance—
UpdatedMar 17, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
416 Kays Dr, Normal, IL 61761
Jump Start Savings
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $5000.00
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
Kids Club Savings
1.90%
$20
▼
Rate1.90%
Min Deposit$20
Min Balance—
UpdatedMar 17, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
115 Susan Dr, Normal, IL 61761
Health Savings Account (HSA)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Savings Account
0.50%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Balance of $10,000+
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
Savings Account
0.50%
$20
▼
Rate0.50%
Min Deposit$20
Min Balance—
UpdatedMar 17, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
IRA Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
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%
200 W College Ave, Normal, IL 61761
Simply Savings
0.35%
$50
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Savings Goal
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Direct deposit into your account; Choose your savings goal
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Savings Account
0.25%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Balance of $5,000 - $9,999.99
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
Simply Savings
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Smart Savings
0.10%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $4999.99
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
115 Susan Dr, Normal, IL 61761
Share Draft Plus/Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Savings Account
0.10%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Balance of $1,000 - $4,999.99
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
115 Susan Dr, Normal, IL 61761
Regular Shares
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
Health Savings Account (HSA) Checking
0.07%
$50
▼
Rate0.07%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
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%
1508 Fort Jesse Rd, Normal, IL 61761
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%
1508 Fort Jesse Rd, Normal, IL 61761
Health Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Full Balance
Citizens Bank of Chatsworth
Institution Rating:
B+4.7 ★Texas Ratio: 18.96%
1710 E College Ave, Normal, IL 61761
Regular Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
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%
200 W College Ave, Normal, IL 61761
Simply Savings
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1501 E College Ave, Normal, IL 61761
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1501 E College Ave, Normal, IL 61761
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
200 W College Ave, Normal, IL 61761
Health Savings Account (HSA) Checking
0.02%
$50
▼
Rate0.02%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1500 E College Ave, Normal, IL 61761
myRewards Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
416 Kays Dr, Normal, IL 61761
IRA Share Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
416 Kays Dr, Normal, IL 61761
Share Savings
0.01%
$1
▼
Rate0.00%
Min Deposit$1
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
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
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
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
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.
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
Business 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
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 21, 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
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
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
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
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
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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.
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 Normal, 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 Normal, 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 Normal, 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 Normal, 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 Normal, 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 Normal, 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 Normal, Illinois?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Normal, Illinois offer in-person customer service, which some customers prefer.
How do I open a savings account in Normal, 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 Normal, Illinois
Here are recent savings rates observed in Normal, Illinois and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Illinois State Credit Union
My Fortune Savings — 2.89% APY - University of Illinois Community Credit Union
Jump Start Savings — 2.00% APY - Land Of Lincoln Credit Union
Health Savings Account (HSA) — 1.00% APY - Citizens Bank of Chatsworth
Savings Account — 0.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Normal, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
