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Illinois Savings Rate Trends

Sycamore, Illinois (IL) Savings Rates - March 2026

The best savings rates for Sycamore, Illinois and the surrounding area include Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL508 W State St, Sycamore, IL 60178A5.0 ★Texas Ratio: 8.23% High Yield Savings Plus at 3.00% APY, Heartland Bank and Trust CompanyHeartland Bank and Trust Company1985 Dekalb Ave, Sycamore, IL 60178A+5.0 ★Texas Ratio: 1.53% Simply Savings at 0.50% APY, First State Bank (IL)First State Bank (IL)1940 Dekalb Ave, Sycamore, IL 60178A+5.0 ★Texas Ratio: 5.02% FSBSavings at 0.15% APY, Rock Valley Credit UnionRock Valley Credit Union2676 DeKalb Ave, Sycamore, IL 60178 3110A+5.0 ★Texas Ratio: 5.65% Secondary Savings at 0.15% APY, and Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)242 Wall St, East Dubuque, IL 61025A+5.0 ★Texas Ratio: 1.72% Snap $tack Savings at 5.12% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Sycamore, 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 Sycamore, Illinois (IL) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Sycamore, Illinois and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Sycamore, Illinois & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
508 W State St, Sycamore, IL 60178
High Yield Savings Plus
3.00%
$100,000
Rate0.00%
Min Deposit$100,000
Min Balance
UpdatedMar 25, 2026
Details

$1,000 bonus

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
508 W State St, Sycamore, IL 60178
High-Yield Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1985 Dekalb Ave, Sycamore, IL 60178
Simply Savings
0.50%
$50
Rate0.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1985 Dekalb Ave, Sycamore, IL 60178
Simply Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1940 Dekalb Ave, Sycamore, IL 60178
FSBSavings
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

$25.00 Minimum to Open

Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2676 DeKalb Ave, Sycamore, IL 60178 3110
Secondary Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2676 DeKalb Ave, Sycamore, IL 60178 3110
Primary Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2676 DeKalb Ave, Sycamore, IL 60178 3110
Health Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1985 Dekalb Ave, Sycamore, IL 60178
Simply Savings
0.15%
$50
Rate0.15%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1940 Dekalb Ave, Sycamore, IL 60178
Business Savings
0.15%
$300
Rate0.15%
Min Deposit$300
Min Balance
UpdatedMar 20, 2026
Details

$300.00 Minimum to Open

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1985 Dekalb Ave, Sycamore, IL 60178
Health Savings Account (HSA) Checking
0.07%
$50
Rate0.07%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1985 Dekalb Ave, Sycamore, IL 60178
Health Savings Account (HSA) Checking
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%
1985 Dekalb Ave, Sycamore, IL 60178
Health Savings Account (HSA) Checking
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%
1985 Dekalb Ave, Sycamore, IL 60178
Simply Savings
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%
1985 Dekalb Ave, Sycamore, IL 60178
Health Savings Account (HSA) Checking
0.02%
$50
Rate0.02%
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
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
Electronic Share 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

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

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

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

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

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

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

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

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2323 S Wentworth Ave, Chicago, IL 60616
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Terms and Conditions apply.

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

First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Fast Ave, Mackinaw, IL 61755
Health Savings Accounts
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMar 24, 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

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
Investment Savings
3.35%
$50,000
Rate3.31%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$250,000.00 - $499,999.99

FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
145 E 5th Ave, Clifton, IL 60927
Health Savings Account
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
145 N 4th St, De Kalb, IL 60115
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 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

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
Structured Savings IRA
3.02%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances Of $5,000-$100,000

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1689 N Curran Rd, Mchenry, IL 60050
Premier Health Savings Account
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Lisle Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1450 Maple Ave, Lisle, IL 60532
High Interest Savings
3.00%
$10
Rate2.96%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
Investment Savings
3.00%
$50,000
Rate2.97%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

$150,000.00 - $249,999.99

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3333 W 26th St, Chicago, IL 60623
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
104 E Main St, Elmwood, IL 61529
Vacation Club Savings
2.95%
$25
Rate2.95%
Min Deposit$25
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
IRA Preferred Rate Savings
2.78%
$50,000
Rate2.75%
Min Deposit$50,000
Min Balance
UpdatedMar 25, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
Icon High-Yield Savings
2.75%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 18, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
664 Raymond Dr, Naperville, IL 60563
Simple Savings
2.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
104 E Main St, Elmwood, IL 61529
Christmas Club Savings
2.70%
$25
Rate2.70%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

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.

Sycamore, IL Savings Rate Trends

Compare local Sycamore, 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.

View Full Illinois Savings Trends →
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 26, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, 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 Sycamore, Illinois?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sycamore, Illinois offer in-person customer service, which some customers prefer.

How do I open a savings account in Sycamore, 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 Sycamore, Illinois

Here are recent savings rates observed in Sycamore, Illinois and the surrounding area:
  • Credit Union 1 Credit Union Rantoul, IL
    High Yield Savings Plus — 3.00% APY
  • Heartland Bank and Trust Company
    Simply Savings — 0.50% APY
  • First State Bank (IL)
    FSBSavings — 0.15% APY
  • Rock Valley Credit Union
    Secondary Savings — 0.15% APY
  • Fidelity Bank & Trust (IA)
    Snap $tack Savings — 5.12% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sycamore, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026