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Best Money Market Rates in Illinois (IL) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The 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.
| ✓Fact Checked | Last Updated: April 19, 2026

Current Illinois money market rates include United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% Money Market at 4.00% APY, United Equity Credit UnionUnited Equity Credit Union687 Lincoln St, Galesburg, IL 61401A+5.0 ★Texas Ratio: 3.09% Money Market Account 12 Months at 3.90% APY, Waterman BankWaterman Bank248 W Lincoln Hwy, Waterman, IL 60556A+5.0 ★Texas Ratio: 3.95% Business Money Market at 3.82% APY, State Bank of TexasState Bank of Texas2615 W Devon Ave, Chicago, IL 60659A+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, and Together Credit UnionTogether Credit Union1153 Blue Spring Plz, Shiloh, IL 62269 7397A+5.0 ★Texas Ratio: 5.65% Money Market (IRA) at 3.75% APY. Money market rates as of April 19, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Illinois side-by-side. Illinois money market rates currently reach as high as 4.00% APY from United Trust Bank at 12330 S Harlem Ave, Palos Heights, IL 60463. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Illinois and surrounding area. Last Updated and Verified: April 19, 2026

Compare the Best Money Market Rates Today in Illinois

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Money Market
4.00%
$100,000
View
▼
Rate3.92%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details

New Money Only

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Premium Money Market Special
4.00%
$100,000
View
▼
Rate3.92%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
Money Market Account 12 Months
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Premium Money Market Special
3.90%
$10,000
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details

United Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Money Market
3.90%
$10,000
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details

New Money Only

Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Money Market
3.82%
$2,500
View
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $2,499.99

Waterman Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Business Money Market
3.82%
$2,500
View
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $2,499.99

State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo Money Market
3.76%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account. **$100,000.00 minimum balance required to earn stated rate.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Money Market
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Money Market (IRA)
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New money only

Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
101 Main St, West Chicago, IL 60185
Business Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Gold Coast Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
1165 N Clark St, Chicago, IL 60610
GCB Money Market Account
3.67%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3301 Vollmer Rd, Flossmoor, IL 60422
Money Market Special
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

Promo Rate

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Verve Optimum Money Market BUNDLED
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL 61401
12 Months Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2525 Green Bay Rd, North Chicago, IL 60064
Business Money Markets
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
2525 Green Bay Rd, North Chicago, IL 60064
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
3.34%
$10,000
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
3.34%
$10,000
View
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

up to

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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Central Federal SLA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.92%
5953 W Cermak Rd, Cicero, IL 60804
Premier High Yield Money Market
3.25%
$100,000
View
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Republic Bank of Chicago
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
101 Main St, West Chicago, IL 60185
Digital Money Market
3.22%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Premier Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
6945 N Clark St, Chicago, IL 60626
Advantage Money Market Account
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 16, 2026
Details

$25,000 minimum to open account. $25,000 minimum to earn 3.20% APY.

Inland Bank & Trust
Institution Rating:
A+5.0 ★
2805 Butterfield Rd, Oak Brook, IL 60523
Advantage Money Market Account
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 16, 2026
Details

$25,000 minimum to open account. $25,000 minimum to earn 3.20% APY.

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 16, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
Huntington Relationship Money Market Account
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 16, 2026
Details

Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99.

CenTrust Bank
Institution Rating:
B+4.7 ★ Texas Ratio: 18.83%
385 Waukegan Rd, Northbrook, IL 60062
Platinum Money Market
3.15%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $10,000.00

Vibrant Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
Insured Money Market
3.14%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $15,000,000

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
3.08%
$10,000
View
▼
Rate3.04%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
3.08%
$10,000
View
▼
Rate3.04%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
Money Management (Money Market)
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Money Market Account
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
26 Farragut Avenue, Great Lakes, IL 60088
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Diamond
3.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
Money Market
3.00%
$250,000
View
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedApr 18, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL 60050
Premier Money Market
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Savings
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Platinum
2.99%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
Money Management (Money Market)
2.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

First National Bank in Olney
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
High Yield Money Market
2.89%
$25,000
View
▼
Rate2.85%
Min Deposit$25,000
Min Balance—
UpdatedApr 17, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Diamond
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Base
2.84%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Diamond
2.83%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Platinum
2.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Platinum
2.78%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Optimum Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Savings
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL 61032 7610
Insured High Yield Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

North Shore Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL 60050
Premier Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL 62040 4179
Money Market Account
2.75%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
MAXimum Money Markets
2.71%
$0
View
▼
Rate2.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Diamond
2.68%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
2.67%
$10,000
View
▼
Rate2.64%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
2.67%
$10,000
View
▼
Rate2.64%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni PLUS Money Market*
2.67%
$10,000
View
▼
Rate2.64%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

F&M Bank of Hutsonville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
108 S Main St, Hutsonville, IL 62433
Platinum Money Market
2.66%
$1,500
View
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Base
2.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Platinum
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Base
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL 60446 5345
Edge Money Market Account
2.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

for 6 month

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Money Market Account
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Acme Continental Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
Money Market Accounts
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
money market
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Business Alumni Money Market*
2.52%
$10,000
View
▼
Rate2.49%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

First FSB of Mascoutah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
Alumni MMDA (Money Market)
2.52%
$10,000
View
▼
Rate2.49%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
Money Market
2.50%
$100,000
View
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details

Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Verve Optimum Money Market NON-BUNDLED
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL 61032 7610
Insured High Yield Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Alliance Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
Alliance Money Market
2.48%
$0
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$1,500,000.00 and up

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
Money Market account details Base
2.48%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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 6
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Insured Money Market Account (IMMA) TIER-4
2.35%
$0
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
Money Management (Money Market)
2.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
Money Market Accounts
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
money market
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL 62704 4260
Money Market
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

25000 +

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Platinum Money Market Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
730 Engineering Ave, Springfield, IL 62703
Money Market Checking
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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. Rates reflect recent market quotes and representative offers available to depositors in Illinois and the surrounding area.

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.

Illinois Money Market Rate Trends

Compare local Illinois money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Illinois MMA Trends →
High-Yield MMA — IL Avg
3.148%
▼ 0.234 vs 7 days ago

Illinois high-yield MMA rates fell 0.234 points over the past 7 days to 3.148% APY.

Standard MMA — IL Avg
0.640%
▼ 0.045 vs 7 days ago

Illinois standard MMA rates fell 0.045 points over the past 7 days to 0.640% APY.

As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for 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 money market 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 Illinois. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Illinois

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Illinois.

Are Money Market accounts in 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 MMA rates change in Illinois?

Money market 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.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Illinois

Here are some of the highest money market account APYs currently available in Illinois:
  • United Trust Bank
    Money Market — 4.00% APY
  • United Equity Credit Union
    Money Market Account 12 Months — 3.90% APY
  • Waterman Bank
    Business Money Market — 3.82% APY
  • State Bank of Texas
    High-Rate Jumbo Money Market — 3.76% APY
  • Together Credit Union
    Money Market (IRA) — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 19, 2026

Illinois Rates & Resources

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Cities in Illinois

  • Abingdon
  • Adair
  • Addieville
  • Addison
  • Adrian
  • Akin
  • Albany
  • Albers
  • Albion
  • Alden
  • Aledo
  • Alexander
  • Alexis
  • Algonquin
  • Alhambra
  • Allendale
  • Allerton
  • Alma
  • Alpha
  • Alsey
  • Alsip
  • Altamont
  • Alto Pass
  • Alton
  • Altona
  • Alvin
  • Amboy
  • Amf Ohare
  • Anchor
  • Ancona
  • Andalusia
  • Andover
  • Anna
  • Annapolis
  • Annawan
  • Antioch
  • Apple River
  • Arcola
  • Arenzville
  • Argenta
  • Arlington
  • Arlington Heights
  • Armington
  • Armstrong
  • Aroma Park
  • Arrowsmith
  • Arthur
  • Ashkum
  • Ashland
  • Ashley
  • Ashmore
  • Ashton
  • Assumption
  • Astoria
  • Athens
  • Atkinson
  • Atlanta
  • Atwater
  • Atwood
  • Auburn
  • Augusta
  • Aurora
  • Ava
  • Aviston
  • Avon
  • Baileyville
  • Baldwin
  • Bardolph
  • Barnhill
  • Barrington
  • Barry
  • Barstow
  • Bartelso
  • Bartlett
  • Basco
  • Batavia
  • Batchtown
  • Bath
  • Baylis
  • Beardstown
  • Beason
  • Beaverville
  • Beckemeyer
  • Bedford Park
  • Beecher
  • Beecher City
  • Belknap
  • Belle Rive
  • Belleville
  • Bellflower
  • Bellmont
  • Bellwood
  • Belvidere
  • Bement
  • Benld
  • Bensenville
  • Benson
  • Benton
  • Berkeley
  • Berwick
  • Berwyn
  • Bethalto
  • Bethany
  • Big Rock
  • Biggsville
  • Bingham
  • Birds
  • Bishop Hill
  • Bismarck
  • Blackstone
  • Blandinsville
  • Bloomingdale
  • Bloomington
  • Blue Island
  • Blue Mound
  • Bluff Springs
  • Bluffs
  • Bluford
  • Boles
  • Bolingbrook
  • Bondville
  • Bone Gap
  • Bonfield
  • Bonnie
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  • Bradford
  • Bradley
  • Braidwood
  • Breese
  • Bridgeport
  • Bridgeview
  • Brighton
  • Brimfield
  • Bristol
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  • Broadview
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  • Brookport
  • Broughton
  • Browning
  • Browns
  • Brownstown
  • Brushy Mound
  • Brussels
  • Bryant
  • Buckingham
  • Buckley
  • Buckner
  • Buda
  • Buffalo
  • Buffalo Grove
  • Buffalo Prairie
  • Bulpitt
  • Buncombe
  • Bunker Hill
  • Burbank
  • Bureau
  • Burlington
  • Burnside
  • Burnt Prairie
  • Bushnell
  • Butler
  • Byron
  • Cabery
  • Cache
  • Cairo
  • Caledonia
  • Calhoun
  • Calumet City
  • Camargo
  • Cambria
  • Cambridge
  • Camden
  • Cameron
  • Camp Grove
  • Camp Point
  • Campbell Hill
  • Campus
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  • Cantrall
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  • Carbondale
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  • Carlock
  • Carlyle
  • Carman
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  • Carrollton
  • Carterville
  • Carthage
  • Cary
  • Casey
  • Caseyville
  • Castleton
  • Catlin
  • Cave In Rock
  • Cedar Point
  • Cedarville
  • Centralia
  • Cerro Gordo
  • Chadwick
  • Chambersburg
  • Champaign
  • Chana
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  • Channahon
  • Chapin
  • Charleston
  • Chatham
  • Chatsworth
  • Chebanse
  • Chenoa
  • Cherry
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  • Chester
  • Chesterfield
  • Chestnut
  • Chicago
  • Chicago Heights
  • Chicago Ridge
  • Chillicothe
  • Chrisman
  • Christopher
  • Cicero
  • Cisco
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  • Clarendon Hills
  • Clay City
  • Clayton
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  • Clifton
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  • Coatsburg
  • Cobden
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  • Creston
  • Crete
  • Creve Coeur
  • Cropsey
  • Crossville
  • Crystal Lake
  • Cuba
  • Cullom
  • Cutler
  • Cypress
  • Dahinda
  • Dahlgren
  • Dakota
  • Dale
  • Dallas City
  • Dalton City
  • Dalzell
  • Dana
  • Danforth
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  • Darien
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  • Davis Junction
  • Dawson
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  • Decatur
  • Deer Creek
  • Deer Grove
  • Deerfield
  • Dekalb
  • Delavan
  • Dement
  • Dennison
  • Depue
  • Des Plaines
  • Dewey
  • Dewitt
  • Dieterich
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  • Dixon
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  • Downs
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  • Easton
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  • Ewing
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  • Farina
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  • Fowler
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  • Franklin
  • Franklin Grove
  • Franklin Park
  • Frederick
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  • Fulton
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  • Garrett
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  • Genoa
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  • Gerlaw
  • German Valley
  • Germantown
  • Gibson City
  • Gifford
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  • Gillespie
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  • Gilson
  • Girard
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  • Glen Carbon
  • Glen Ellyn
  • Glenarm
  • Glencoe
  • Glendale Heights
  • Glenview
  • Glenview Nas
  • Glenwood
  • Godfrey
  • Golconda
  • Golden
  • Golden Eagle
  • Golden Gate
  • Golf
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  • Goodfield
  • Goodwine
  • Goreville
  • Gorham
  • Grafton
  • Grand Chain
  • Grand Ridge
  • Grand Tower
  • Granite City
  • Grant Park
  • Grantsburg
  • Granville
  • Graymont
  • Grayslake
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  • Great Lakes
  • Green Valley
  • Greenfield
  • Greenup
  • Greenview
  • Greenville
  • Gridley
  • Griggsville
  • Groveland
  • Gurnee
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  • Hamburg
  • Hamel
  • Hamilton
  • Hamletsburg
  • Hammond
  • Hampshire
  • Hampton
  • Hanna City
  • Hanover
  • Hanover Park
  • Hardin
  • Harmon
  • Harrisburg
  • Harristown
  • Hartford
  • Hartsburg
  • Harvard
  • Harvel
  • Harvey
  • Harwood Heights
  • Havana
  • Hazel Crest
  • Hebron
  • Hecker
  • Henderson
  • Hennepin
  • Henning
  • Henry
  • Herald
  • Herod
  • Herrick
  • Herrin
  • Herscher
  • Hettick
  • Heyworth
  • Hickory Hills
  • Hidalgo
  • Highland
  • Highland Park
  • Highwood
  • Hillsboro
  • Hillsdale
  • Hillside
  • Hillview
  • Hillyard
  • Hinckley
  • Hindsboro
  • Hines
  • Hinsdale
  • Hoffman
  • Hoffman Estates
  • Holcomb
  • Homer
  • Hometown
  • Homewood
  • Hoopeston
  • Hooppole
  • Hopedale
  • Hopkins Park
  • Hoyleton
  • Hudson
  • Huey
  • Hull
  • Humboldt
  • Hume
  • Huntley
  • Huntsville
  • Hurst
  • Hutsonville
  • Illinois City
  • Illiopolis
  • Ina
  • Indianola
  • Industry
  • Ingleside
  • Ingraham
  • Iola
  • Ipava
  • Iroquois
  • Irving
  • Irvington
  • Island Lake
  • Itasca
  • Iuka
  • Ivesdale
  • Jacksonville
  • Jacob
  • Janesville
  • Jerseyville
  • Jewett
  • Johnsonville
  • Johnston City
  • Joliet
  • Jonesboro
  • Joppa
  • Joy
  • Junction
  • Justice
  • Kampsville
  • Kane
  • Kaneville
  • Kankakee
  • Kansas
  • Karbers Ridge
  • Karnak
  • Kasbeer
  • Keenes
  • Keensburg
  • Keithsburg
  • Kell
  • Kempton
  • Kenilworth
  • Kenney
  • Kent
  • Kewanee
  • Keyesport
  • Kilbourne
  • Kincaid
  • Kinderhook
  • Kingston
  • Kingston Mines
  • Kinmundy
  • Kinsman
  • Kirkland
  • Kirkwood
  • Knoxville
  • La Fayette
  • La Grange
  • La Grange Park
  • La Harpe
  • La Moille
  • La Place
  • La Prairie
  • La Rose
  • La Salle
  • Lacon
  • Ladd
  • Lafox
  • Lake Bluff
  • Lake Forest
  • Lake Fork
  • Lake in the Hills
  • Lake Villa
  • Lake Zurich
  • Lakewood
  • Lanark
  • Lancaster
  • Lane
  • Lansing
  • Latham
  • Laura
  • Lawndale
  • Lawrenceville
  • Le Roy
  • Leaf River
  • Lebanon
  • Lee
  • Lee Center
  • Leland
  • Lemont
  • Lena
  • Lenzburg
  • Leonore
  • Lerna
  • Lewistown
  • Lexington
  • Liberty
  • Libertyville
  • Lima
  • Lincoln
  • Lincoln S New Salem
  • Lincolnshire
  • Lincolnwood
  • Lindenwood
  • Lisle
  • Litchfield
  • Literberry
  • Little York
  • Littleton
  • Liverpool
  • Livingston
  • Loami
  • Lockport
  • Loda
  • Logan
  • Lomax
  • Lombard
  • London Mills
  • Long Grove
  • Long Point
  • Longview
  • Loogootee
  • Loraine
  • Lostant
  • Louisville
  • Lovejoy
  • Loves Park
  • Lovington
  • Lowder
  • Lowpoint
  • Ludlow
  • Lyndon
  • Lynn Center
  • Lyons
  • Macedonia
  • Machesney Park
  • Mackinaw
  • Macomb
  • Macon
  • Madison
  • Maeystown
  • Magnolia
  • Mahomet
  • Makanda
  • Malden
  • Malta
  • Manchester
  • Manhattan
  • Manito
  • Manlius
  • Mansfield
  • Manteno
  • Maple Park
  • Mapleton
  • Maquon
  • Marengo
  • Marietta
  • Marine
  • Marion
  • Marissa
  • Mark
  • Maroa
  • Marseilles
  • Marshall
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