Bank · FDIC insured
BankChampaign CD Rates
BankChampaign’s best CD rate is 4.16% APY on a 22-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How BankChampaign’s CD rates compare
Compared with banks and credit unions near Champaign, IL, where BankChampaign has the most branches. $10,000, best rate first.
This bank’s best
BankChampaign
4.16%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $776
Certificates of Deposit
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
BankChampaign CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.16%
- 31–60 months31–60 mo1.00%
- QualifiedQualified4.16%
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 BankChampaign 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.
Certificates of Deposit
Up to 4.16%APY · 13 terms
Early withdrawal penalties apply. Fees could reduce earnings. Maintain daily minimum balance to earn interest.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMaintain daily minimum balance of $2,500 or more to earn interest | — | 0.30% | 0.30% | $7 |
| 6 monthsMaintain daily minimum balance of $2,500 or more to earn interest | — | 3.00% | 3.00% | $149 |
| 9 monthsMaintain daily minimum balance of $2,500 or more to earn interest | — | 0.40% | 0.40% | $30 |
| 11 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.45% | — | 0.45% | $41 |
| 12 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.50% | — | 0.50% | $50 |
| 15 monthsLimited time CD special. Maintain daily minimum balance of $500 or more to earn interest | 4.06% | — | 4.06% | $510 |
| 18 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.60% | — | 0.60% | $90 |
| 22 monthsMaintain daily minimum balance of $500 or more to earn interest | 4.16% | — | 4.16% | $776 |
| 24 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.70% | — | 0.70% | $140 |
| 30 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.70% | — | 0.70% | $176 |
| 36 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.80% | — | 0.80% | $242 |
| 48 monthsMaintain daily minimum balance of $500 or more to earn interest | 0.90% | — | 0.90% | $365 |
| 60 monthsMaintain daily minimum balance of $500 or more to earn interest | 1.00% | — | 1.00% | $510 |
Sources (3)
All captured Sep 25, 2026
Jumbo Certificates of Deposit
Up to 3.51%APY · 5 terms
Early withdrawal penalties apply. Fees could reduce earnings. Maintain daily minimum balance of $100,000 or more to earn interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMaintain daily minimum balance of $100,000 or more to earn interest | 0.30% | — |
| 6 monthsMaintain daily minimum balance of $100,000 or more to earn interest | 3.00% | — |
| 11 monthsMaintain daily minimum balance of $100,000 or more to earn interest | 3.51% | — |
| 12 monthsMaintain daily minimum balance of $100,000 or more to earn interest | 0.50% | — |
| 24 monthsMaintain daily minimum balance of $100,000 or more to earn interest | 0.70% | — |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.16%APY · 12 terms
Early withdrawal penalties apply. Fees could reduce earnings. Maintain daily minimum balance of $100 or more to earn interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.30% | $7 |
| 6 monthsMaintain daily minimum balance of $100 or more to earn interest | 3.00% | $149 |
| 11 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.45% | $41 |
| 12 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.50% | $50 |
| 15 monthsMaintain daily minimum balance of $100 or more to earn interest | 4.06% | $510 |
| 18 monthsVariable rate IRA. Variable rate accounts are subject to interest rate changes after the accounts are opened. Maintain daily minimum balance of $100 or more to earn interest | 0.60% | $90 |
| 22 monthsMaintain daily minimum balance of $100 or more to earn interest | 4.16% | $776 |
| 24 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.70% | $140 |
| 30 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.70% | $176 |
| 36 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.80% | $242 |
| 48 monthsMaintain daily minimum balance of $100 or more to earn interest | 0.90% | $365 |
| 60 monthsMaintain daily minimum balance of $100 or more to earn interest | 1.00% | $510 |
Sources (2)
All captured Sep 25, 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.