The best savings rates for Champaign, Illinois and the surrounding area include PNC BankPNC Bank302 S 1st St, Champaign, IL 61820A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, INB National AssociationINB National Association217 S Neil St, Champaign, IL 61820A+5.0 ★Texas Ratio: 2.04% Structured Savings IRA at 3.02% APY, University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union2201 S 1ST ST, Champaign, IL 61820 7402A+5.0 ★Texas Ratio: 5.86% Jump Start Savings at 2.00% APY, Fisher National BankFisher National Bank3105 S Staley Rd, Champaign, IL 61822A5.0 ★Texas Ratio: 6.71% Regular Savings at 0.50% APY, and Heartland Bank and Trust CompanyHeartland Bank and Trust Company2101 W Springfield Ave, Champaign, IL 61821A+5.0 ★Texas Ratio: 1.53% Simply Savings at 0.50% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Champaign, 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 Champaign, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Champaign, Illinois and the surrounding area. Last Updated and Verified: March 25, 2026
Daily Balances Of $5,000-$100,000
Daily Balances Of up to $4,999.99
Qualifying balance up to $5000.00
Daily Balances of $250,000.00 and up
Daily Balances of $50,000.00-$249,999.99
Daily Balances of $10,000.00-$49,999.99
$100.00 minimum balance to avoid a $10.00 quarterly service charge; Interest Compounded Quarterly; Account includes 15 free w/d per quarter. $1 service charge for each additional w/d in same quarter
$250,000.00 and up
$50,000.00-$249,999.99
Daily Balances of $1,000.00-$9,999.99
$10,000.00-$49,999.99
up to $999.99
Qualifying balance up to $4,999.99
Daily Balances of up to $999.99
$300.00 Minimum to Open
$25.00 Minimum to Open
Pocket Change Match Offer: We will match 100% of your Pocket Change transfers for the first 90 days of enrollment, up to $100.00. Matching funds will be paid at the end of the 90 day period on accounts that remain open and enrolled.
Qualifying balance up to $5,000.00
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Intro rate subject to change
Compare local Champaign, 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.
Illinois high-yield savings rates rose 1.083 points this week to 2.306% APY, up from 1.223% last week.
Illinois standard savings rates fell 0.075 points this week to 0.500% APY, down from 0.575% last week.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Champaign, 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 Champaign, 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.