Aurora, Illinois Money Market Rates - October 2026
Brian McKay
Brian McKay
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Aurora, Illinois money market account rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Aurora, Illinois and the surrounding area money market deposit account rates include Consumers Credit UnionConsumers Credit Union320 E INDIAN TRL, AURORA, IL 60505A5.0 ★Texas Ratio: 6.15%Real return: +1.02%APY minus 2.8% CPI (February 2026) Business Money Market at 3.82% APY, US BankUS Bank941 S Havana St, Aurora, CO 80012A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, The Huntington National BankThe Huntington National Bank2430 W Indian Trl, Aurora, IL 60506A+5.0 ★Texas Ratio: 3.66%Real return: +0.55%APY minus 2.8% CPI (February 2026) Relationship Money Market Account - With Huntington Perks Checking at 3.35% APY, NuMark Credit UnionNuMark Credit Union403 Asbury Dr, Aurora, IL 60502A5.0 ★Texas Ratio: 8.07%Real return: +0.20%APY minus 2.8% CPI (February 2026) Money Market at 3.00% APY, and Heartland Bank and Trust CompanyHeartland Bank and Trust Company1575 Ogden Ave, Aurora, IL 60503A+5.0 ★Texas Ratio: 0.84%Real return: -0.53%APY minus 2.8% CPI (February 2026) Capital Money Market at 2.27% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Aurora has 11 local institutions in our database, with money market rates as high as 3.82% APY from Consumers Credit Union at 320 E INDIAN TRL, AURORA, IL 60505. Use the table below to compare all available offers, including options from institutions serving the broader Illinois area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Aurora, Illinois and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Aurora, Illinois & the Surrounding Area
Balance: $500,000+
Balance: $25,000 - $49,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000 and over
Balance: $250,000 - $499,999.99
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $250,000 and over. Limited withdrawals.
Balance: $250,000 and over.
Balance: $100,000 - $249,999.99
Balance: More than $500,000
Balance: $100,000 - $500,000
Balance: $100,000 - $249,999.99. Limited withdrawals.
Balance: $100,000 - $249,999.99.
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99.999.99. Limited withdrawals.
Balance: $50,000 - $99.999.99.
Balance: $50,000.01 and above
Tier 5; Balance: >$100,001; Dividends Paid: Monthly
Tier 4; Balance: $50,001 - $100,000; Dividends Paid: Monthly
Balance: $25,000.01-50,000
Tier 3; Balance: $20,001 - $50,000; Dividends Paid: Monthly
Balance: $250,000+
Balance: $250,000+
Tier 2; Balance: $10,001 - $20,000; Dividends Paid: Monthly
Balance: $10,000.01-25,000
Balance: $1,500-10,000
Balance: >= $250,000
Balance: $25,000 - $49,999.99. Limited withdrawals.
- Oct 9, 20261.00%▲ from 0.85%
- Sep 29, 20260.85%first recorded
Balance: $25,000 - $49,999.99.
- Oct 9, 20261.00%▲ from 0.85%
- Sep 29, 20260.85%first recorded
Business Partner Money Market Accounts will remain at 1.00% APY, regardless of balance.
Tier 1; Balance: $1,000 - $10,000; Dividends Paid: Monthly
Balance: $2,000 - $24,999.99. Limited withdrawals.
Balance: $0.01 - $24,999.99.
Balance: $2,000 - $24,999.99
Balance: $100,000 or more
Balance: $25,000 - $99,999.99
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $500 - $24,999.99
Balance: $25,000 - $99,999.99
Balance: $25,000 - $99,999.99
Balance: >= $50,000
Balance: $0.00 - $24,999.99
Balance: $0.00 - $24,999.99
Balance: $10,000 - $49,999.99
Balance: $50,000 and $99,999.99
Transaction Limits: Limited
Balance: >= $25,000
Balance: $0.01 - $1,999.99. Limited withdrawals.
Balance: $.01 - $1,999.99
Balance: $2,000,001.00 to $99,999,999,999.99
- Oct 7, 20260.25%▲ from 0.05%
- Sep 27, 20260.05%▼ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $25,000 - $49,999.99
Balance: >= $5,000
Balance: >= $1,000
Balance: $10,000 - $24,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $1.00 - $9,999.99
Balance: $1.00 - $9,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Standard interest rate tier. APYs may vary by location. Restrictions apply.
- Oct 7, 20260.05%▼ from 3.40%
- Oct 4, 20263.40%first recorded
Balance: $25,000.00 to $99,999.99
- Sep 27, 20260.05%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1.00 - $9,999.99
Balance: Less Than $10,000
Balance: $0 - $9,999.99
Balance: Less than $10,000
Qualifications Required: 40 or more transactions per month; enrolled in e-statements; Tier 3: Accounts with 40 or more transactions per month and e-statements will earn 5.00% APY on balances from $0-$10,000. Balances $10,001 and above will earn .05% APY.
Balance: $100,000 and over
New Money Only; Balance: $100,000 and over
Balance: $10,000-99,999.99
New Money Only; Balance: $10,000-99,999.99
- Oct 7, 20263.90%▲ from 0.18%
- Sep 14, 20260.18%first recorded
Balance: $1,000,000+
Balance: $0.01-$2,499.99; Balance: $2,500.00+
Balance: $0.01-$2,499.99; Balance: $2,500.00+
Balance: $250,000-$1,000,000
- Sep 24, 20263.80%▲ from 3.40%
- Sep 19, 20263.40%first recorded
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. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
APY may change after account opening. Limited to 6 preauthorized transfers or withdrawals per monthly statement cycle. Excess withdrawal fee for more than 6 withdrawals or transfers per month may reduce earnings on the account.
Balance: $500,000 - $999,999.99
Balance: $1,000,000+
Balance: $1,000,000+
- Sep 24, 20263.75%▲ from 3.35%
- Sep 8, 20263.35%first recorded
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%
- Sep 24, 20263.70%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Balance: $1,000,001-$1,500,000
- Sep 24, 20263.70%▲ from 3.30%
- Sep 8, 20263.30%first recorded
Balance: $500,000 - $999,999.99
Valid Thru: 10/18/2026
Valid Thru: 10/18/2026
Valid Thru: 10/18/2026
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $500,000+; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current
- Oct 10, 20263.40%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: up to $15,000,000
Balance: $250,000 - $499,999.99; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th o
- Oct 10, 20263.30%▲ from 3.15%
- Sep 27, 20263.15%first recorded
Balance: $500,000 and up
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.
Aurora, IL Money Market Rate Trends
Compare local Aurora, IL 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.
Illinois high-yield MMA rates rose 0.023 points over the past 7 days to 3.132% APY.
Illinois standard MMA rates rose 0.012 points over the past 7 days to 0.594% APY.
Aurora, Illinois Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current IL high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current IL high-yield money market average of 3.132% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Aurora, Illinois.
Money Market Account Earnings in Aurora, Illinois
Annual interest earnings at current IL average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.132% APY) | Monthly Earnings | Standard MMA (0.594% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $313.19 / year | $26.10 | $59.44 / year | $4.95 |
| $25,000 | $782.98 / year | $65.25 | $148.60 / year | $12.38 |
| $50,000 | $1,565.95 / year | $130.50 | $297.20 / year | $24.77 |
| $100,000 | $3,131.90 / year | $260.99 | $594.40 / year | $49.53 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Aurora, Illinois money market rate averages as of October 13, 2026. | ||||
About Our Aurora, Illinois Money Market Rate Database
MonitorBankRates found 11 institutions with branches in Aurora (7 banks, 4 credit unions), plus 33 additional state-chartered and national online institutions available to Aurora residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Consumers Credit Union offers a money market account at 3.82% APY. Use the rate table above to compare all current offers in Aurora, Illinois.
How to Find the Best Money Market Rates in Aurora, Illinois
What to compare when shopping for a money market account in Aurora, Illinois
To find the best money market APYs in Aurora, Illinois, start with credit unions and online-only banks: Aurora, Illinois has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current IL high-yield money market average is 3.132% but top local institutions are offering as high as 3.82%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Aurora, Illinois high-yield money market rates currently average 3.132% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Aurora, Illinois institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 44 institutions in Aurora, Illinois report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Aurora, Illinois CD rates
- You don’t need check writing and want a lower minimum Aurora, Illinois savings rates
- You need daily transaction access Aurora, Illinois checking rates
Aurora, Illinois Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.1% of residents are 65 or older, below the national average of 17.3%. At today’s IL high-yield money market average of 3.132%, saving 10% of the local median salary ($4,239/year) would earn an additional $133 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Aurora, Illinois Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Aurora, Illinois.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IL Avg APY | 3.132% | View Savings Rates | 0.594%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Aurora, Illinois averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Aurora, Illinois Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Aurora, Illinois rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Aurora, Illinois
At IL’s top money market rate of 3.82% from Consumers Credit Union, a $10,000 deposit earns $382 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Aurora, Illinois earner is roughly $10,600. At 3.132% APY in a money market account, saving $880/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIllinois’s high-yield money market average is 3.132% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Aurora, Illinois earner makes $42,393/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.132% APY.
Retirement PlannerA $25,000 money market balance earning 3.132% APY grows to roughly $46,323 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Aurora, Illinois money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Aurora, 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 Aurora, 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 Aurora, Illinois
What is a Money Market Account (MMA)?
Are Money Market accounts in Aurora, Illinois safe?
How often do MMA rates change in Aurora, Illinois?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Aurora, Illinois?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Aurora, Illinois for money market accounts?
Best Money Market Rates in Aurora, Illinois
- Consumers Credit Union
Business Money Market: 3.82% APY - US Bank
Elite Money Market Account: 3.40% APY - The Huntington National Bank
Relationship Money Market Account - With Huntington Perks Checking: 3.35% APY - NuMark Credit Union
Money Market: 3.00% APY - Heartland Bank and Trust Company
Capital Money Market: 2.27% APY
Aurora, Illinois Rates & Resources
