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Illinois Savings Rate Trends

Peru, Illinois (IL) Savings Rates - March 2026

The best savings rates for Peru, Illinois and the surrounding area include Heartland Bank and Trust CompanyHeartland Bank and Trust Company925 Shooting Park Rd, Peru, IL 61354A+5.0 ★Texas Ratio: 1.53% Simply Savings at 0.50% APY, Eureka Savings BankEureka Savings Bank2959 Peoria St, Peru, IL 61354A5.0 ★Texas Ratio: 7.10% Health Savings Account at 0.50% APY, Peru Federal Savings BankPeru Federal Savings Bank1730 4th St, Peru, IL 61354A+5.0 ★Texas Ratio: 1.93% Health Savings Account Tier at 0.50% APY, Central Bank IllinoisCentral Bank Illinois1721 Midtown Rd, Peru, IL 61354A+5.0 ★Texas Ratio: 0.63% Health Savings Account (HSA) at 0.25% APY, and First State Bank (IL)First State Bank (IL)4351 Venture Dr, Peru, IL 61354A+5.0 ★Texas Ratio: 5.02% Business Savings at 0.15% APY.

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

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

Peru, IL Savings Rate Trends

Compare local Peru, 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 Peru, Illinois & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
Simply Savings
0.50%
$50
Rate0.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2959 Peoria St, Peru, IL 61354
Health Savings Account
0.50%
$50
Rate0.50%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Health Savings Account Tier
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
Simply Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Health Savings Account Tier
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1721 Midtown Rd, Peru, IL 61354
Health Savings Account (HSA)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1721 Midtown Rd, Peru, IL 61354
Statement Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Health Savings Account Tier
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
Simply Savings
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
4351 Venture Dr, Peru, IL 61354
Business Savings
0.15%
$300
Rate0.15%
Min Deposit$300
Min Balance
UpdatedMar 20, 2026
Details

$300.00 Minimum to Open

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
4351 Venture Dr, Peru, IL 61354
FSBSavings
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

$25.00 Minimum to Open

Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1721 Midtown Rd, Peru, IL 61354
Health Savings Account (HSA)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1311 Shooting Park Rd, Peru, IL 61354
Regular Shares (Savings 01
0.14%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Minimum $25.00

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2959 Peoria St, Peru, IL 61354
Essential Savings
0.10%
$50
Rate0.10%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
901 Wenzel Rd, Peru, IL 61354
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
901 Wenzel Rd, Peru, IL 61354
Statement Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
2107 Marquette Rd, Peru, IL 61354
Savings
0.10%
$50
Rate0.10%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Health Savings Account Tier
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Passbook Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Statement Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2813 Plaza Dr, Peru, IL 61354
Regular Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

No interest below $100.00

Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1721 Midtown Rd, Peru, IL 61354
Health Savings Account (HSA)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
Health Savings Account (HSA) Checking
0.07%
$50
Rate0.07%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1311 Shooting Park Rd, Peru, IL 61354
Regular Shares (Savings 01
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Minimum $25.00

Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
E-Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1721 Midtown Rd, Peru, IL 61354
Health Savings Account (HSA)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
Health Savings Account (HSA) Checking
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
925 Shooting Park Rd, Peru, IL 61354
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%
925 Shooting Park Rd, Peru, IL 61354
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%
925 Shooting Park Rd, Peru, IL 61354
Health Savings Account (HSA) Checking
0.02%
$50
Rate0.02%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1311 Shooting Park Rd, Peru, IL 61354
Regular Shares (Savings 01
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Minimum $25.00

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
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

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

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

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

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

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

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 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

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

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

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 - 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 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
IRA-HSA IMMA
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
IRA-HSA IMMA - Tier 7
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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 Peru, 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 Peru, 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 Peru, 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 Peru, 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 Peru, 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 Peru, 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 Peru, Illinois?

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

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

Here are recent savings rates observed in Peru, Illinois and the surrounding area:
  • Heartland Bank and Trust Company
    Simply Savings — 0.50% APY
  • Eureka Savings Bank
    Health Savings Account — 0.50% APY
  • Peru Federal Savings Bank
    Health Savings Account Tier — 0.50% APY
  • Central Bank Illinois
    Health Savings Account (HSA) — 0.25% APY
  • First State Bank (IL)
    Business Savings — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Peru, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026