Decatur, Illinois (IL) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
Editorial Disclosure
The savings 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.
The best savings rates for Decatur, Illinois and the surrounding area include PNC BankPNC Bank2004 6th Ave Se, Decatur, AL 35601A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union3130 E Mound Rd, Decatur, IL 62526A5.0 ★Texas Ratio: 6.84% Health Savings Account (HSA) at 1.00% APY, 1st MidAmerica Credit Union1st MidAmerica Credit Union202 E Ash Ave, Decatur, IL 62526A+5.0 ★Texas Ratio: 3.01% Reward Savings at 0.75% APY, SSB Scott State BankSSB Scott State Bank3950 Fountain Ln, Decatur, IL 62522A+5.0 ★Texas Ratio: 0.97% Health Savings Accounts at 0.75% APY, and Heartland Bank and Trust CompanyHeartland Bank and Trust Company303 N Main St, Decatur, IL 62523A+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 Decatur, 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 Decatur, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Decatur, Illinois and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Decatur, Illinois & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2004 6th Ave Se, Decatur, AL 35601
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
Health Savings Account (HSA)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
Reward Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifications Required; Qualifying balance up to $15,000.00
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Health Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Health Savings Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Simply Savings
0.50%
$50
▼
Rate0.50%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Health Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Simply Savings
0.35%
$50
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
IRA Share Accounts
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Simply Savings
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL 62526
Regular Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
Share Draft Plus/Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
IBEW Local #146 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3390 N Woodford St, Decatur, IL 62526
Share Deposits
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$10,000 - and up
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Structured Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4855 Aldi Dr, Decatur, IL 62521
Savings
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
Regular Shares
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Health Savings Account (HSA) Checking
0.07%
$50
▼
Rate0.07%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Health Savings Account
0.07%
$50
▼
Rate0.07%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
455 N Main St, Decatur, IL 62523
Retail Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
Regular Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
1130 E Pershing Rd, Decatur, IL 62526
Share Draft Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
IBEW Local #146 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3390 N Woodford St, Decatur, IL 62526
Share Deposits
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$5.00 - $4,999.99
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
SCU Regular Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Health Savings Account
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Health Savings Account (HSA) Checking
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Health Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Savings Account
0.05%
$200
▼
Rate0.05%
Min Deposit$200
Min Balance—
UpdatedMar 20, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Structured Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Health Savings Account (HSA) Checking
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2004 6th Ave Se, Decatur, AL 35601
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Health Savings Account
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Simply Savings
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2004 6th Ave Se, Decatur, AL 35601
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
Health Savings Account (HSA) Checking
0.02%
$50
▼
Rate0.02%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
Health Savings Account
0.01%
$50
▼
Rate0.01%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
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 25, 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
Elite 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
Premier 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
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
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
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
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
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
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
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
Kids Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 24, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
High-Yield Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 24, 2026
Details
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
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 25, 2026
Details
Intro rate subject to change
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
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
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
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
Powered by
MonitorBankRates
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.
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.
Decatur, IL Savings Rate Trends
Compare local Decatur, 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.
High-Yield Savings — IL Avg
2.306%
▲ 1.083 from last week
Illinois high-yield savings rates rose 1.083 points this week to 2.306% APY, up from 1.223% last week.
Standard Savings — IL Avg
0.500%
▼ 0.075 from last week
Illinois standard savings rates fell 0.075 points this week to 0.500% APY, down from 0.575% 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 Decatur, 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 Decatur, 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 Decatur, 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 Decatur, 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 Decatur, 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 Decatur, 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 Decatur, Illinois?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Decatur, Illinois offer in-person customer service, which some customers prefer.
How do I open a savings account in Decatur, 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 Decatur, Illinois
Here are recent savings rates observed in Decatur, Illinois and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Land Of Lincoln Credit Union
Health Savings Account (HSA) — 1.00% APY - 1st MidAmerica Credit Union
Reward Savings — 0.75% APY - SSB Scott State Bank
Health Savings Accounts — 0.75% APY - Heartland Bank and Trust Company
Simply Savings — 0.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Decatur, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
