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Illinois Savings Rate Trends

Roscoe, Illinois (IL) Savings Rates - March 2026

The best savings rates for Roscoe, Illinois and the surrounding area include Bank First, NABank First, NA5360 Bridge St, Roscoe, IL 61073A+5.0 ★Texas Ratio: 0.91% Investment Savings at 3.35% APY, MembersAlliance Credit UnionMembersAlliance Credit Union5110 Rockrose Ct, Roscoe, IL 61073A+5.0 ★Texas Ratio: 2.78% Savings Account at 0.15% APY, First Mid Bank & TrustFirst Mid Bank & Trust5506 Clayton Cir, Roscoe, IL 61073A+5.0 ★Texas Ratio: 2.74% Retail Savings at 0.05% APY, 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, and Together Credit UnionTogether Credit Union1153 Blue Spring Plz, Shiloh, IL 62269 7397A+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Roscoe, Illinois and the surrounding area. Last Updated and Verified: March 24, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Investment Savings
3.35%
$50,000
Rate3.31%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$250,000.00 - $499,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Investment Savings
3.00%
$50,000
Rate2.97%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$150,000.00 - $249,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Investment Savings
2.50%
$50,000
Rate2.48%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$50,000.00 - $149,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Savings Elite
1.66%
$0
Rate1.65%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$100,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Savings Elite
1.41%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 to $99,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Savings Elite
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Health Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Savings Elite
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
IRA Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 to $99,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Health Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
IRA Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Holiday Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$25,000.00 & Over

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
5110 Rockrose Ct, Roscoe, IL 61073
Savings Account
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
5110 Rockrose Ct, Roscoe, IL 61073
Business Savings Account
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Health Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,500.00 to $9,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Holiday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$10,000.00 to $24,999.99

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
First Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Holiday Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5506 Clayton Cir, Roscoe, IL 61073
Retail Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Investment Savings
0.00%
$50,000
Rate0.00%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$49,999.99 & Under

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
5360 Bridge St, Roscoe, IL 61073
Savings Elite
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

$2,499.99 & Under

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 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
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
Elite Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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

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 22, 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 24, 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

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

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
Premier Savings
3.50%
$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
3.50%
$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
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

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
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

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.

Roscoe, IL Savings Rate Trends

Compare local Roscoe, 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
2.304%
▲ 0.794 from last week

Illinois high-yield savings rates rose 0.794 points this week to 2.304% APY, up from 1.510% last week.

Standard Savings — IL Avg
0.481%
▼ 0.166 from last week

Illinois standard savings rates fell 0.166 points this week to 0.481% APY, down from 0.647% last week.

As of Mar 25, 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 Roscoe, 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 Roscoe, 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 Roscoe, 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 Roscoe, 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 Roscoe, 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 Roscoe, 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 Roscoe, Illinois?

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

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

Here are recent savings rates observed in Roscoe, Illinois and the surrounding area:
  • Bank First, NA
    Investment Savings — 3.35% APY
  • MembersAlliance Credit Union
    Savings Account — 0.15% APY
  • First Mid Bank & Trust
    Retail Savings — 0.05% APY
  • Fidelity Bank & Trust (IA)
    Snap $tack Savings — 5.12% APY
  • Together Credit Union
    Accelerate It Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Roscoe, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026