Credit union · Privately insured
Blackhawk Area Credit Union CD Rates
Blackhawk Area Credit Union’s best CD rate is 1.85% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Blackhawk Area Credit Union’s CD rates compare
Compared with banks and credit unions near Rochelle, IL, where Blackhawk Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blackhawk Area Credit Union
1.85%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $960
Certificates
Top rate
Consumers Credit Union
4.35%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $251
2nd-highest rate
Rock Valley Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Blackhawk Area Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.40%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.85%
- QualifiedQualified1.85%
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 Blackhawk Area 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 1.85%APY · 8 terms
Dividends do not compound.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 0.75% | $37 |
| 12 months | 1.40% | $140 |
| 18 months | 1.45% | $218 |
| 24 months | 1.50% | $302 |
| 36 months | 1.75% | $534 |
| 48 months | 1.75% | $719 |
| 60 months | 1.85% | $960 |
Special-purpose accounts
IRA Certificates
Up to 1.85%APY · 8 terms
IRA certificates pay the same rates as regular certificates. No annual or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 0.75% | $37 |
| 12 months | 1.40% | $140 |
| 18 months | 1.45% | $218 |
| 24 months | 1.50% | $302 |
| 36 months | 1.75% | $534 |
| 48 months | 1.75% | $719 |
| 60 months | 1.85% | $960 |
Who can join Blackhawk Area 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This may be incomplete or out of date, so check with the credit union before you apply.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 lives or works in the Illinois counties of Carroll, JoDaviess, Lee, Ogle, Stephenson, and Whiteside.
Family and household
- Family members of current members are eligible for membership regardless of where they live, including spouses, parents, grandparents, children and legal dependents, brothers, sisters and their spouses, grandchildren, aunts, uncles, nieces, nephews, cousins, and sons- and daughters-in-law.
Cost to join
- A deposit of at least $25.00 ($5.00 for individuals under age 26) in a savings account is required and can be withdrawn upon closing membership.
- There is a $1.00 membership fee to join BACU.
Membership information collected October 5, 2026.