Best Money Market Rates in Ladd, Illinois - June 2026
Brian McKay
Brian McKay
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Current Ladd, Illinois and the surrounding area money market deposit account rates include United Trust BankUnited Trust BankA+5.0 ★Texas Ratio: 2.60% Money Market at 4.00% APY, Waterman BankWaterman BankA+5.0 ★Texas Ratio: 3.95% Business Money Market at 3.82% APY, State Bank of TexasState Bank of TexasA+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, Republic Bank of ChicagoRepublic Bank of ChicagoA+5.0 ★Texas Ratio: 4.71% Business Money Market at 3.75% APY, and First Merchants BankFirst Merchants BankA+5.0 ★Texas Ratio: 2.78% Money Market Special at 3.55% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Ladd is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Illinois area are available to Ladd residents, with money market rates as high as 4.00% APY from United Trust Bank. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Ladd, Illinois and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Ladd, Illinois & the Surrounding Area
New Money Only
New Money Only
Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
APY (Annual Percentage Yield) effective 3/5/2026 for a limited time. Rates may vary by zip code.
Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion and 2.05% APY after the promotion.
$15,000+
New money only
New money only
Balance range: $250,000-$1,000,000
Balance range: $1,000,001-$1,500,000
up to
Variable rate; Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. 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. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% APY. 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). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Interest paid monthly. A monthly fee of $25 will be assessed if the minimum daily balance falls below $10,000. Fees may reduce earnings on the account. Interest rates and APY may change at any time without notice at the Bank's discretion. We use the daily balance method to calculate interest on the account. Accounts closed before the interest payment date will not earn accrued interest for that period. See Deposit Account Agreement and Disclosures for additional terms. New deposits only are defined as not currently on deposit with Centrust Bank.
Must be opened with New Money, defined as new-to-Byline. $25,000 minimum to open account. $25,000 minimum to earn 3.15% APY. Avoids $25 monthly service fee.
Must be opened with New Money, defined as new-to-Byline. $25,000 minimum daily balance to avoid a $25 monthly service fee. No monthly service fee will be assessed on the first statement cycle after account opening. Fees may reduce earnings.
Includes our highest money market rate and the ease of online account opening. If balance falls below $2,500, a $25 maintenance fee will be assessed. Account must be funded with money not currently on deposit with Republic Bank of Chicago. Fees may reduce account earnings. APY is accurate as of 05/13/2026. APY may change and offer may be withdrawn at any time without notice.
$100,000 +
$25,000 - $99,999.99
at least once during each year
Platinum Money Market $500,000.00 & Above
$100,000 +
$1,500,000.00 and up
25000 +
$50,000
$150,000
$25,000 - $99,999.99
Tiered rates: 0.20% for $1.00-$24,999.99, 0.70% for $25,000.00-$99,999.99, 1.21% for $100,000.00-$249,999.99, 1.71% for $250,000.00-$499,999.99
$500,000.00 - $1,499,999.99
Rates can change daily, Daily compounding
Rates can change daily, Daily compounding
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.
Ladd, IL Money Market Rate Trends
Compare local Ladd, 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 currently average 3.199% APY.
Illinois standard MMA rates rose 0.010 points over the past 7 days to 0.660% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ladd, 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 Ladd, 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 Ladd, 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 Ladd, Illinois
What is a Money Market Account (MMA)?
Are Money Market accounts in Ladd, Illinois safe?
How often do MMA rates change in Ladd, Illinois?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Ladd, Illinois?
Best Money Market Rates in Ladd, Illinois
- United Trust Bank
Money Market — 4.00% APY - Waterman Bank
Business Money Market — 3.82% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - Republic Bank of Chicago
Business Money Market — 3.75% APY - First Merchants Bank
Money Market Special — 3.55% APY
