Effingham, Illinois (IL) Savings Rates - March 2026
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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 Effingham, Illinois and the surrounding area include Land Of Lincoln Credit UnionLand Of Lincoln Credit Union2302 S Banker St, Effingham, IL 62401A5.0 ★Texas Ratio: 6.84% Health Savings Account (HSA) at 1.00% APY, Dieterich BankDieterich Bank300 Sur Woods Dr, Effingham, IL 62401A+5.0 ★Texas Ratio: 0.95% Green Savings Duo Savings Account at 0.55% APY, FNB of WaterlooFNB of Waterloo210 E Fayette Ave, Effingham, IL 62401A+5.0 ★Texas Ratio: 2.35% FNB Premier MMA at 0.40% APY, Washington Savings Bank Effingham, ILWashington Savings Bank Effingham, IL200 S Banker St, Effingham, IL 62401A+5.0 ★Texas Ratio: 2.45% Business savings account at 0.40% APY, and Crossroads Bank Effingham, ILCrossroads Bank Effingham, IL2000 S Banker St, Effingham, IL 62401A+5.0 ★Texas Ratio: 0.00% Personal / Business Savings (Quarterly) at 0.35% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Effingham, 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 Effingham, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Effingham, Illinois and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Effingham, Illinois & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2302 S Banker St, Effingham, IL 62401
Health Savings Account (HSA)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Green Savings Duo Savings Account
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Funds can be withdrawn. Must deposit in this account in conjunction with a deposit to a Duo CD.
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Duo Savings Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$3 fee if below $25
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Business savings account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Save Green Personal Savings (Quarterly)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
n/a
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Business savings account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
Personal / Business Savings (Quarterly)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA - Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Business savings account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Health Savings Accounts (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $10,000.00
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
personal savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA - Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA -Public Funds
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
personal savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA -Public Funds
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA - Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Business savings account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Health Savings Accounts (HSA)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $10,000.00
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
Personal / Business Savings (Quarterly)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Business Savings (Quarterly)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Save Green Personal Savings (Quarterly)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
n/a
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Business Savings (Quarterly)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Business savings account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
200 S Banker St, Effingham, IL 62401
Health Savings Accounts (HSA)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
900 W Jefferson Ave, Effingham, IL 62401
Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA - Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
210 E Fayette Ave, Effingham, IL 62401
FNB Premier MMA -Public Funds
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2302 S Banker St, Effingham, IL 62401
Share Draft Plus/Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
300 Sur Woods Dr, Effingham, IL 62401
Business Savings (Quarterly)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2302 S Banker St, Effingham, IL 62401
Regular Shares
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
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
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
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
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
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 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
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 27, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Premier Savings
4.00%
$0
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
4th Quarter 2025; Qualifying balance up to $20,000.00
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
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
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
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
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 27, 2026
Details
Northwest Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1420 Miner St, Des Plaines, IL 60016
Average daily share balance ranges
3.49%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
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
Community Business Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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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.
Effingham, IL Savings Rate Trends
Compare local Effingham, 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%
▲ 0.755 from last week
Illinois high-yield savings rates rose 0.755 points this week to 2.306% APY, up from 1.551% last week.
Standard Savings — IL Avg
0.499%
▼ 0.181 from last week
Illinois standard savings rates fell 0.181 points this week to 0.499% APY, down from 0.680% last week.
As of Mar 27, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, 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 Effingham, Illinois?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Effingham, Illinois offer in-person customer service, which some customers prefer.
How do I open a savings account in Effingham, 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 Effingham, Illinois
Here are recent savings rates observed in Effingham, Illinois and the surrounding area:
- Land Of Lincoln Credit Union
Health Savings Account (HSA) — 1.00% APY - Dieterich Bank
Green Savings Duo Savings Account — 0.55% APY - FNB of Waterloo
FNB Premier MMA — 0.40% APY - Washington Savings Bank Effingham, IL
Business savings account — 0.40% APY - Crossroads Bank Effingham, IL
Personal / Business Savings (Quarterly) — 0.35% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Effingham, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
