Best Banks & Credit Unions in Champaign, Illinois

Banks and credit unions serving Champaign, Illinois. Compare up to 3.35% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Champaign, Illinois. All rankings inherit from the Illinois state directory — every institution listed is licensed to serve Champaign residents and is either headquartered in Illinois or operates branches in the metro.

Top options in Champaign

• Consumers Credit Union — 5.00% APY. Rewards Checking: Tier A on balances up to $10,000 (0.20% APY on $10,000.01–$25,000, 0.10% above); requires eDocuments, 12+ debit card purchases and $500+ in direct deposits or ACH credits each month plus $1,000+ monthly spend on a CCU Visa credit card; 3.00% APY with the basic requirements only; 0.01% APY if requirements are not met; no monthly fee; rates effective March 26, 2025 per the page. Re
• Connexus Credit Union — 4.50% APY. Xtraordinary Checking: On balances up to $25,000 (0.25% APY above) when monthly requirements are met: 15 debit card purchases or $500 in debit spending, eStatements, and a $500 direct deposit or external ACH deposit; no yield in a month the requirements are not met; no monthly fees or minimum balance; Simply Free Checking pays 0.00% APY with no requirements. Read Sep 7, 2026 on connexuscu.org. Rat
• NASA Federal Credit Union — 4.05% APY. 12 months Share Certificate: $1,000 minimum; 12-month Add-On certificate pays 3.95% APY with $250. Read Sep 7, 2026 on nasafcu.com. Rates as of 2026-09-01 per the page.
• BCU — 4.00% APY. PowerPlus Checking: Level 2 ongoing APY on balances up to $15,000 (8.00% introductory APY for the first 3 months) with $3,000 monthly direct deposit and 30 qualifying transactions; Level 1 pays 1.00% APY with $1,000 direct deposit and 15 transactions; 0.01% APY over $15,000 or when requirements are not met; no minimum balance or monthly maintenance fee. Read Sep 7, 2026 on bcu.org. Rates as of 202
• First Midwest Bank (Old National) — 4.00% APY. 11-Month CD: No 12-month rate printed; 7-, 11- and 17-month CDs earn 4.00% APY with a $500 minimum, opened in a banking center; maximum $5,000,000; rates accurate as of August 28, 2026 per the page. Read Sep 7, 2026 on oldnational.com.
• Selfreliance Federal Credit Union — 4.00% APY. 12-Month Certificate (1 Year): $500 minimum; maximum $1,000,000 per member; dividends compound quarterly. Read Sep 7, 2026 on selfreliance.com. Rates as of 2026-09-07 per the page.

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See the full Illinois banks directory for every institution we've verified in the state, plus the underlying methodology.