Highest Savings Rates in Illinois
153 Illinois-specific accounts

A linked Kasasa Cash or Kasasa Cash Back checking account is required. The top rate applies to balances up to $50,000 in a month when the linked checking account meets its qualifications: debit card purchases, one direct deposit or ACH transaction, and e-statements. The portion above $50,000 earns a lower rate, and a month without the qualifications earns the base rate on the whole balance. Each withdrawal after the third in a month costs $1.

The rate is the 3-month Treasury bill rate (secondary market) minus 1%, and the rate and APY change monthly on the first business day. The $10 monthly service fee is waived with an average daily balance of $10,000 or with enrollment in online statements. Each withdrawal or transfer after 6 per month costs $1.

Eligibility restricted to select states.

The stated APY applies to balances up to $75,000, and the part of the balance above that cap earns a lower rate. The account must be linked to a Kasasa Cash or Kasasa Cash Back checking account, and that account must post one ACH payment, twelve debit card purchases and an eStatement enrollment each monthly qualification cycle. A cycle that misses the qualifications earns the base rate instead.

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. A High Interest Checking or Mortgage Advantage Checking account is required to open this account. The top rate applies to balances up to $250,000. The portion of a balance above $250,000 earns a lower rate.

Rewards account. The stated rate requires a linked RewardsPLUS Checking account and the monthly qualification activities; every month the qualifications are not met, the account earns a lower rate.

Balances below $10,000 earn the Regular Savings rate. The minimum withdrawal is $1,000. Interest is paid each Tuesday, and funds withdrawn on another day forfeit the interest earned on them since the prior Tuesday.

The account maintenance fee is waived for a statement cycle in which the account holds a daily balance of $10,000 or an average daily balance of $25,000 at any time in the cycle. The bank does not publish the fee amount online. Only one Max Rate Savings account is allowed for each customer, and a paper statement fee of $2.00 applies while the balance is below $25,000.

The stated APY applies to the first $50,000 of the balance; the part above that earns the bank's low posted rate. A Hometown HYPE Checking account is required, and each statement cycle the account must have online or mobile banking with e-statements, ten signature or PIN debit card transactions and two automatic transfers. If those are not met, the whole balance earns the low rate for that cycle.

A linked Premium Checking or Real Rewards checking account is required. The stated rate applies when that checking account meets its monthly qualifications. Otherwise the account pays a lower base rate.

New account and new money only (funds not currently held at Wintrust Financial Corporation). Mention the offer when opening in a branch, or open through the offer link. Variable rate.

New money only: the deposit must be money not currently held at Wintrust Financial Corporation or any of its subsidiaries. The offer must be mentioned during in-branch account opening, or opened through the URL the bank provides. The advertised APY is not available at all locations.

The account must be funded with money not currently held at any Wintrust Financial Corporation location. The advertised rate also requires the offer to be mentioned during in-branch account opening, or the account to be opened through the offer's own link.

Rate applies when the linked Kasasa Cash checking account meets its monthly qualifications: 12 debit card purchases, eStatement enrollment and an online banking login. Otherwise all balances earn a lower base rate. The stated APY applies to balances up to $7,500. The portion of the balance above $7,500 earns a lower rate.

A $2 service charge applies when the balance falls below $200.

Minors on the account can earn a $20 reward once a year for completing an approved online financial education course.

The stated APY applies to balances under $50,000. A balance of $50,000 or more earns a blended rate that falls as the balance grows. The APY is paid only for a statement cycle in which the account product requirements are met; a lower rate applies in a cycle in which they are not. The bank does not publish the requirements for this account online.

A $5.00 service fee is charged if the $10.00 minimum balance is not maintained.

Requires a Hometown Rewards Interest or Cash Back checking account. Limit one account per Social Security number.

Six withdrawals are allowed each month, and each further withdrawal in the same month is charged $1.

A linked Kasasa Cash checking account is required. The stated APY applies to daily balances up to $15,000, and the part of the balance above $15,000 earns a lower rate. The stated rate is earned in a monthly qualification cycle in which the linked Kasasa Cash account posts at least 10 debit card purchases and 1 direct deposit, ACH payment or bill pay transaction, with enrollment in eStatements. A cycle that misses the qualifications earns a lower base rate.

Three withdrawals each month are free, and each further ATM or personal withdrawal in the same month is charged $1. Keeping a minimum average daily balance of $250 avoids the monthly maintenance charge, whose amount the bank does not publish online. A child under 18 pays no monthly charge and opens with no minimum, and an adult must be named on the account with them.

A $5 service fee applies each quarter unless a $200 minimum daily balance is kept. No opening deposit is required for holders under age 18.