Waterloo, 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 Waterloo, Illinois and the surrounding area include First Community Credit UnionFirst Community Credit Union971 N Illinois Route 3, Waterloo, IL 62298 1074A+5.0 ★Texas Ratio: 3.72% Health Savings Accounts (HSA) at 3.05% APY, Dieterich BankDieterich Bank1405 N Illinois Route 3, Waterloo, IL 62298A+5.0 ★Texas Ratio: 0.95% Green Savings Duo Savings Account at 0.55% APY, Scott Credit UnionScott Credit Union1019 N Illinois Route 3, Waterloo, IL 62298 3288A5.0 ★Texas Ratio: 6.09% Youth Share Savings at 0.45% APY, FNB of WaterlooFNB of Waterloo228 S Main St, Waterloo, IL 62298A+5.0 ★Texas Ratio: 2.35% FNB Premier MMA at 0.40% APY, and State Bank Waterloo, ILState Bank Waterloo, IL885 N Illinois Route 3, Waterloo, IL 62298B4.6 ★Texas Ratio: 20.21% Regular Savings at 0.15% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Waterloo, 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 Waterloo, Illinois (IL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Waterloo, Illinois and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Waterloo, Illinois & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
971 N Illinois Route 3, Waterloo, IL 62298 1074
Health Savings Accounts (HSA)
3.05%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
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Funds can be withdrawn.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%
1405 N Illinois Route 3, Waterloo, IL 62298
Duo Savings Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$3 fee if below $25
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1019 N Illinois Route 3, Waterloo, IL 62298 3288
Youth Share Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Kidz Club and Teen Share
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Scott Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1019 N Illinois Route 3, Waterloo, IL 62298 3288
Share Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
Save Green Personal Savings (Quarterly)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
n/a
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA - Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA -Public Funds
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA - Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
971 N Illinois Route 3, Waterloo, IL 62298 1074
Share Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
971 N Illinois Route 3, Waterloo, IL 62298 1074
Business Savings
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
971 N Illinois Route 3, Waterloo, IL 62298 1074
Secondary Share
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
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%
1405 N Illinois Route 3, Waterloo, IL 62298
Save Green Personal Savings (Quarterly)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
n/a
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA - Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA -Public Funds
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA - Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
Business Savings (Quarterly)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA -Public Funds
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
Regular Savings
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
Business Savings (Quarterly)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1405 N Illinois Route 3, Waterloo, IL 62298
Save Green Personal Savings (Quarterly)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$3.00 fee if balance below $25
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB First Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA - Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
FNB Premier MMA -Public Funds
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
228 S Main St, Waterloo, IL 62298
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
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
Premier 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
Elite 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
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
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
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
Kids Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 24, 2026
Details
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.
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
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
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
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
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
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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.
Waterloo, IL Savings Rate Trends
Compare local Waterloo, 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 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 Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, Illinois?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Waterloo, Illinois offer in-person customer service, which some customers prefer.
How do I open a savings account in Waterloo, 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 Waterloo, Illinois
Here are recent savings rates observed in Waterloo, Illinois and the surrounding area:
- First Community Credit Union
Health Savings Accounts (HSA) — 3.05% APY - Dieterich Bank
Green Savings Duo Savings Account — 0.55% APY - Scott Credit Union
Youth Share Savings — 0.45% APY - FNB of Waterloo
FNB Premier MMA — 0.40% APY - State Bank Waterloo, IL
Regular Savings — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waterloo, Illinois. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
