Highest IRA Savings Account Rates in Illinois
43 Illinois-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Illinois Rate:4.49% APYFDIC or NCUA Insured

The Illinois market

Illinois accounts

Institutions

Top Illinois APY

4.49% APY

Nationally: 2.00% APY

FDIC national average

0.37%

As of Sep 2026

43 IRA savings accounts are open only to Illinois residents, from 34 institutions. The highest advertised APY among them is 4.49%.

The highest nationally available rate is 2.00% APY, 249 basis points below the Illinois leader.

24 of the 43 Illinois IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Illinois-Specific IRA Savings Accounts

IRA Savings accounts specifically available to Illinois residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Lindell Bank & Trust Company 18-Month Special Variable Rate IRA 4.49%APY Observed: Oct 13, 2026 Show Details	+$449per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#2	The First National Bank of Okawville IRA Savings 2.68%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$268per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#3	State Bank of Graymont IRA Savings 2.50%APY Observed: Oct 7, 2026 Show Details	+$250per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1
#4	West Central Bank IRA 48 Month Fixed 1,4 2.47%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$247per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#5	West Central Bank IRA 24 Month Fixed 1,4 2.32%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$232per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#6	CENTRAL CREDIT UNION OF ILLINOIS Smart-Saver Money Market IRA 2.25%APY Min. balance: $10,000 Observed: Oct 7, 2026 Show Details	+$225per year	We could not confirm: minimum deposit. Requires High Minimum Features In-Person Access	N/A
#7	Raritan State Bank IRA 2.22%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details	+$222per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#8	Fidelity Bank & Trust IRA Savings Up to2.52%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$202per yearEffective: 2.02%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#9	West Central Bank IRA Variable Rate 1,5 2.02%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$202per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#10	First National Bank of Steeleville IRA Savings 2.00%APY Min. balance: $10 Observed: Oct 13, 2026 Show Details	+$200per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#11	Petefish, Skiles & Co. IRA Floating Rate 1.96%APY Min. balance: $1,000 Observed: Oct 7, 2026 Show Details	+$196per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#12	Hickory Point Bank and Trust Money Market IRA 1.56%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$156per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#13	HomeBank IRA Time Open Savings 1.16%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$116per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#14	First FSB of Mascoutah IRA Savings 1.00%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$100per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#15	Alliance Community Bank Individual Retirement Account 0.70%APY Observed: Oct 7, 2026 Show Details	+$70per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	Armed Forces Bank, National Association Premier Money Market IRA Up to1.75%APY Needs at least $250,000 Observed: Oct 7, 2026 Show Details	+$70per yearEffective: 0.70%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#17	Lisle Savings Bank IRA Statement Savings 0.70%APY Min. balance: $2,500 Observed: Oct 7, 2026 Show Details	+$70per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$2,500
#18	The Gerber State Bank IRA Savings Up to0.90%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details	+$70per yearEffective: 0.70%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#19	Teutopolis State Bank IRA's 0.65%APY Min. balance: $500 Observed: Oct 7, 2026 Show Details	+$65per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#20	Hometown National Bank Your Way IRA Up to0.60%APY Needs at least $10,000 Observed: Oct 12, 2026 Show Details	+$60per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#21	DUPACO COMMUNITY Roth IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#22	DUPACO COMMUNITY Traditional IRA Savings Up to0.60%APY Needs at least $15,000 No min. balance for APY Observed: Oct 13, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#23	Liberty Bank IRA Savings 0.35%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details	+$35per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#24	The First National Bank in Amboy IRA Golden Savings 0.35%APY Observed: Oct 7, 2026 Show Details	+$35per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#25	Prairie Community Bank IRA Savings 0.30%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#26	Central Bank Illinois IRA Roth Up to0.25%APY Needs at least $1,000 Observed: Oct 13, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#27	Central Bank Illinois IRA Traditional Up to0.25%APY Needs at least $1,000 Observed: Oct 13, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#28	Community Bank of Elmhurst IRA Savings Account 0.25%APY Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#29	EMPEOPLE IRA Accumulation Share 0.25%APY Min. balance: $25 Observed: Oct 13, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Features Low MinimumsIn-Person Access	N/A
#30	Farmers State Bank of Western Illinois IRA Savings 0.25%APY Min. balance: $25 Observed: Oct 9, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#31	North Side Federal Savings and Loan Association of Chicago IRA Account 0.25%APY Min. balance: $250 Observed: Oct 7, 2026 Show Details	+$25per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#32	First Bank Chicago IRA Savings 0.20%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#33	First Community Bank of Hillsboro TDOA IRA 0.20%APY Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#34	Murphy-Wall State Bank and Trust Company Personal IRA 0.20%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#35	Murphy-Wall State Bank and Trust Company Roth IRA 0.20%APY Min. balance: $250 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$250
#36	CENTRAL CREDIT UNION OF ILLINOIS Market Rate IRA 0.15%APY Observed: Oct 7, 2026 Show Details	+$15per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#37	La Salle State Bank IRA Savings 0.10%APY Min. balance: $25 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#38	COMMUNITY TRUST Variable IRA 0.05%APY Observed: Oct 4, 2026 Show Details	+$5per year	We could not confirm: minimum deposit. Features No MinimumsIn-Person Access	N/A
#39	First Savings Bank of Hegewisch IRA Statement Savings 0.03%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#40	CREDIT UNION 1 Savings IRA 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Features No MinimumsIn-Person Access	$0
#41	CREDIT UNION 1 Savings ROTH IRA 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Features No MinimumsIn-Person Access	$0
#42	CENTRAL CREDIT UNION OF ILLINOIS Investor's Choice IRA Account 2.25%APY Min. balance: $25,000 Observed: Oct 7, 2026 Show Details	+$0per yearEffective: 0.00%	We could not confirm: minimum deposit. Requires High Minimum Features In-Person Access	N/A

Lindell Bank & Trust Company

18-Month Special Variable Rate IRA

+$449

per year

4.49% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1073)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

7 days

↘︎ 0.03%

30 days

↗︎ 0.34%

90 days

↗︎ 0.32%

Official SiteLindell Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The First National Bank of Okawville

IRA Savings

+$268

per year

2.68% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3826)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe First National Bank of Okawville

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

State Bank of Graymont

IRA Savings

+$250

per year

2.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10434)
Eligibility	Trust customers only
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.50%

Since 30 days ago

Official SiteState Bank of Graymont

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

West Central Bank

IRA 48 Month Fixed 1,4

+$247

per year

2.47% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10853)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteWest Central Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

West Central Bank

IRA 24 Month Fixed 1,4

+$232

per year

2.32% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10853)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteWest Central Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

CENTRAL CREDIT UNION OF ILLINOIS

Smart-Saver Money Market IRA

+$225

per year

2.25% APY

Oct 7, 2026

High MinimumIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$10,000
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL CREDIT UNION OF ILLINOIS

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Raritan State Bank

IRA

+$222

per year

2.22% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	$10
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10438)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.15%

Since 30 days ago

Official SiteRaritan State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Fidelity Bank & Trust

IRA Savings

+$202

per year

2.52% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 2.02% – 2.52%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14382)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFidelity Bank & Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

West Central Bank

IRA Variable Rate 1,5

+$202

per year

2.02% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10853)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteWest Central Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

First National Bank of Steeleville

IRA Savings

+$200

per year

2.00% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate and APY can change after the account is opened.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$10
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1049)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteFirst National Bank of Steeleville

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Petefish, Skiles & Co.

IRA Floating Rate

+$196

per year

1.96% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10829)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePetefish, Skiles & Co.

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Hickory Point Bank and Trust

Money Market IRA

+$156

per year

1.56% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 22874)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHickory Point Bank and Trust

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

HomeBank

IRA Time Open Savings

+$116

per year

1.16% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each account is limited to a balance of $249,000.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14492)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteHomeBank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

First FSB of Mascoutah

IRA Savings

+$100

per year

1.00% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30969)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst FSB of Mascoutah

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Alliance Community Bank

Individual Retirement Account

+$70

per year

0.70% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9631)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteAlliance Community Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

Armed Forces Bank, National Association

Premier Money Market IRA

+$70

per year

1.75% APY

Oct 7, 2026

Needs at least $250,000

APY Range: 0.65% – 1.75%

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4666)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteArmed Forces Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Lisle Savings Bank

IRA Statement Savings

+$70

per year

0.70% APY

Oct 7, 2026

FDIC InsuredMod. MinimumIn-Person Access

Show Fine Print & Trends

Min. Deposit	$2,500
Min. Balance	$2,500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29800)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLisle Savings Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

The Gerber State Bank

IRA Savings

+$70

per year

0.90% APY

Oct 7, 2026

Needs at least $50,000

APY Range: 0.70% – 0.90%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 899)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteThe Gerber State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

Teutopolis State Bank

IRA's

+$65

per year

0.65% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11708)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteTeutopolis State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

Hometown National Bank

Your Way IRA

+$60

per year

0.60% APY

Oct 12, 2026

Needs at least $10,000

APY Range: 0.20% – 0.60%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3691)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteHometown National Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

DUPACO COMMUNITY

Roth IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

DUPACO COMMUNITY

Traditional IRA Savings

+$50

per year

0.60% APY

Oct 13, 2026

Needs at least $15,000

APY Range: 0.45% – 0.60%

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDUPACO COMMUNITY

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

Liberty Bank

IRA Savings

+$35

per year

0.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$10
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11719)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLiberty Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

The First National Bank in Amboy

IRA Golden Savings

+$35

per year

0.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 14674)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe First National Bank in Amboy

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

Prairie Community Bank

IRA Savings

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service fee is charged quarterly, not monthly, and is waived by a $100 minimum daily balance.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$6.00 quarterly fee if below the minimum daily balance
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34526)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePrairie Community Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

Central Bank Illinois

IRA Roth

+$25

per year

0.25% APY

Oct 13, 2026

Needs at least $1,000

APY Range: 0.05% – 0.25%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11670)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCentral Bank Illinois

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

Central Bank Illinois

IRA Traditional

+$25

per year

0.25% APY

Oct 13, 2026

Needs at least $1,000

APY Range: 0.05% – 0.25%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11670)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCentral Bank Illinois

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#28

Community Bank of Elmhurst

IRA Savings Account

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A service charge applies when the balance falls below $100.

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 33805)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCommunity Bank of Elmhurst

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#29

EMPEOPLE

IRA Accumulation Share

+$25

per year

0.25% APY

Oct 13, 2026

Low MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change after account opening.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteEMPEOPLE

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#30

Farmers State Bank of Western Illinois

IRA Savings

+$25

per year

0.25% APY

Oct 9, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 11680)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFarmers State Bank of Western Illinois

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#31

North Side Federal Savings and Loan Association of Chicago

IRA Account

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$250
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29449)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteNorth Side Federal Savings and Loan Association of Chicago

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#32

First Bank Chicago

IRA Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No transfers may be made from this account to another of your accounts or to a third party by preauthorized, automatic, online banking or telephone transfer.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 17470)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Bank Chicago

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#33

First Community Bank of Hillsboro

TDOA IRA

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34752)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Community Bank of Hillsboro

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#34

Murphy-Wall State Bank and Trust Company

Personal IRA

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10860)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteMurphy-Wall State Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#35

Murphy-Wall State Bank and Trust Company

Roth IRA

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$250
Min. Balance	$250
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 10860)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteMurphy-Wall State Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#36

CENTRAL CREDIT UNION OF ILLINOIS

Market Rate IRA

+$15

per year

0.15% APY

Oct 7, 2026

No MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL CREDIT UNION OF ILLINOIS

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#37

La Salle State Bank

IRA Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$25
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12410)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteLa Salle State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#38

COMMUNITY TRUST

Variable IRA

+$5

per year

0.05% APY

Oct 4, 2026

No MinimumsIn-Person Access

What to Watch

Variable rate. The APY can change.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCOMMUNITY TRUST

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#39

First Savings Bank of Hegewisch

IRA Statement Savings

+$3

per year

0.03% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29809)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Savings Bank of Hegewisch

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#40

CREDIT UNION 1

Savings IRA

+$1

per year

0.01% APY

Oct 7, 2026

No MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCREDIT UNION 1

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#41

CREDIT UNION 1

Savings ROTH IRA

+$1

per year

0.01% APY

Oct 7, 2026

No MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCREDIT UNION 1

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#42

CENTRAL CREDIT UNION OF ILLINOIS

Investor's Choice IRA Account

+$0

per year

2.25% APY

Oct 7, 2026

High MinimumIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$25,000
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	Check Terms
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteCENTRAL CREDIT UNION OF ILLINOIS

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available IRA Savings Accounts

The 3 highest-rate ira savings accounts available nationwide, including in Illinois.

Institution	Product / Term	APY	Min. Deposit
nbkc Bank	Personal IRA Savings	2.00%	$0
Synchrony Bank	IRA Money Market Account	2.00%	$0
Carver Bank	Savings Liquit IRA	0.10%	$100

See the full national list