Credit union · NCUA insured
Advantage One Credit Union CD Rates
Top CarrotAdvantage One Credit Union’s best CD rate is 3.64% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Advantage One Credit Union’s CD rates compare
Compared with banks and credit unions near Sterling, IL, where Advantage One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage One Credit Union
3.64%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,132
Certificates
Top rate
Cornerstone Credit Union
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Peoples National Bank of Kewanee
4.19%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $599
Advantage One Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.48%
- 9–15 months9–15 mo3.46%
- 16–30 months16–30 mo3.62%
- 31–60 months31–60 mo3.64%
- QualifiedQualified3.64%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Advantage One Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.64%APY · 5 terms
Low minimum balance of $500 to open. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month CD rate is a special promotion - minimum opening amount is $500.00. Paid at maturity | 3.48% | $173 |
| 12 monthsPaid at maturity | 3.46% | $346 |
| 18 monthsPaid at maturity | 3.59% | $543 |
| 24 monthsPaid at maturity | 3.62% | $737 |
| 36 monthsPaid at maturity | 3.64% | $1,132 |
Special-purpose accounts
IRA Certificate
Up to 3.64%APY · 5 terms
Includes Traditional, Roth (Conversion and Contributory), Coverdell and SEP accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid at maturity | 3.48% | $173 |
| 12 monthsDividends paid at maturity | 3.46% | $346 |
| 18 monthsDividends paid at maturity | 3.59% | $543 |
| 24 monthsDividends paid at maturity | 3.62% | $737 |
| 36 monthsDividends paid at maturity | 3.64% | $1,132 |
Who can join Advantage One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who resides, works, worships, or attends school in Bureau, Carroll, Henry, Lee, Ogle, Rock Island, or Whiteside County, IL, or within a 35-mile radius of the main branch in Morrison, IL.
Cost to join
- Joining requires depositing $25 or more into a new share account (savings account).
Membership information collected October 5, 2026.