Bank · FDIC insured
Bank of Pontiac CD Rates
Bank of Pontiac’s best CD rate is 3.75% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked September 17, 2026.
How Bank of Pontiac’s CD rates compare
Compared with banks and credit unions near Pontiac, IL, where Bank of Pontiac has the most branches. $10,000, best rate first.
This bank’s best
Bank of Pontiac
3.75%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $186
FUNRates CD "Specials"
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
Bank of Pontiac CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.49%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo1.10%
- QualifiedQualified3.75%
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 Bank of Pontiac ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
FUNRates CD "Specials"
Up to 3.75%APY · 2 terms
Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 3.75% | $186 |
| 15 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 3.49% | $438 |
Sources (2)
- bankofpontiac.com/personal/convenience/deposit-rates
- bankofpontiac.com/wealth-manag…tment-solutions/cd-rates
All captured Sep 17, 2026
CD "Specials"
Up to 3.70%APY · 2 terms
Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal. The CD specials may renew into different lengths of maturity upon renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month. May renew into different lengths of maturity upon renewal | 3.70% | $183 |
| 15 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month. May renew into different lengths of maturity upon renewal | 3.44% | $432 |
Sources (2)
- bankofpontiac.com/personal/convenience/deposit-rates
- bankofpontiac.com/wealth-manag…tment-solutions/cd-rates
All captured Sep 17, 2026
Certificates of Deposit
Up to 1.10%APY · 10 terms
Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. Compounded at Maturity, paid at Maturity. Early withdrawal interest penalty: 31 Day | 0.10% | $1 |
| 3 monthsCompounded at Maturity, paid at Maturity. Early withdrawal interest penalty: 3 Month | 0.20% | $5 |
| 6 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.30% | $15 |
| 12 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.35% | $35 |
| 15 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.40% | $50 |
| 18 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.45% | $68 |
| 24 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.50% | $100 |
| 30 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.60% | $151 |
| 36 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 12 Month | 0.70% | $211 |
| 60 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 12 Month | 1.10% | $562 |
Sources (2)
- bankofpontiac.com/personal/convenience/deposit-rates
- bankofpontiac.com/wealth-manag…tment-solutions/cd-rates
All captured Sep 17, 2026
FunTimers FunRates CDs
Up to 1.10%APY · 10 terms
Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. Compounded at Maturity, paid at Maturity. Early withdrawal interest penalty: 31 Day | 0.10% | $1 |
| 3 monthsCompounded at Maturity, paid at Maturity. Early withdrawal interest penalty: 3 Month | 0.20% | $5 |
| 6 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.30% | $15 |
| 12 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.35% | $35 |
| 15 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month | 0.40% | $50 |
| 18 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.45% | $68 |
| 24 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.50% | $100 |
| 30 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 6 Month | 0.60% | $151 |
| 36 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 12 Month | 0.70% | $211 |
| 60 monthsCompounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 12 Month | 1.10% | $562 |
Sources (2)
- bankofpontiac.com/personal/convenience/deposit-rates
- bankofpontiac.com/wealth-manag…tment-solutions/cd-rates
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.