Bank · FDIC insured
Busey Bank CD Rates
A $18.1B bank, the 112th largest of 4,207, headquartered in Champaign, IL, with 80 branches in 10 states.
How Busey Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Busey Bank has the most branches. $10,000, best rate first.
This bank’s best
Busey Bank
4.20%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $456
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.20%APY · 9 terms
$1,000 minimum opening deposit. Early withdrawal penalties apply and fees may reduce earnings. Standard CDs automatically renew for the same term with a 10 calendar day grace period. Promotional CDs renew at standard CD base rate in effect at maturity. Commercial clients, public entities, and brokered accounts are not eligible for promotional rates. Special and promotional offers are subject to change or termination at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$1,000 minimum balance to open and earn APY on 6-month CD. Automatically renews for same term | 0.05% | $2 |
| 7 months$1,000 minimum opening deposit. Early withdrawal penalties apply and fees may reduce earnings | 3.80% | $220 |
| 7 monthsTo earn the highest APY on a 7-month CD special with checking, the primary or joint CD owner must also be a primary or joint owner of an eligible Busey Bank checking account that is open and maintained with a positive balance. $1,000 minimum opening deposit | 4.00% | $231 |
| 12 months$1,000 minimum balance to open and earn APY on 12-month CD. Automatically renews for same term | 0.05% | $5 |
| 13 months$1,000 minimum opening deposit. Early withdrawal penalties apply and fees may reduce earnings | 4.00% | $434 |
| 13 monthsTo earn the highest APY on a 13-month CD special with checking, the primary or joint CD owner must also be a primary or joint owner of an eligible Busey Bank checking account that is open and maintained with a positive balance. $1,000 minimum opening deposit | 4.20% | $456 |
| 18 months$1,000 minimum balance to open and earn APY on 18-month CD. Automatically renews for same term | 0.05% | $8 |
| 24 months$1,000 minimum balance to open and earn APY on 24-month CD. Automatically renews for same term | 0.05% | $10 |
| 36 months$1,000 minimum balance to open and earn APY on 36-month CD. Automatically renews for same term | 0.05% | $15 |
| 48 months$1,000 minimum balance to open and earn APY on 48-month CD. Automatically renews for same term | 0.05% | $20 |
| 60 months$1,000 minimum balance to open and earn APY on 60-month CD. Automatically renews for same term | 0.05% | $25 |
Sources (2)
- busey.com/personal/products-an…current-cd-rate-specials
- busey.com/personal/products-an…t-interest-rates-arizona
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account CD
Up to 4.20%APY · 9 terms
$1,000 minimum opening deposit. Individual Retirement Account (IRA) CDs are eligible for promotional rates and standard terms. Early withdrawal penalties apply and fees may reduce earnings. Commercial clients, public entities, and brokered accounts are not eligible for promotional rates. Special and promotional offers are subject to change or termination at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$1,000 minimum balance to open and earn APY on 6-month CD/IRA. Automatically renews for same term | 0.05% | $2 |
| 7 months$1,000 minimum opening deposit. Eligible for IRA CDs. Early withdrawal penalties apply and fees may reduce earnings | 3.80% | $220 |
| 7 monthsTo earn the highest APY on a 7-month CD special with checking, the primary or joint CD owner must also be the primary or joint owner of an eligible Busey Bank checking account that is open and maintained with a positive balance. $1,000 minimum opening deposit. Eligible for IRA CDs | 4.00% | $231 |
| 12 months$1,000 minimum balance to open and earn APY on 12-month CD/IRA. Automatically renews for same term | 0.05% | $5 |
| 13 months$1,000 minimum opening deposit. Eligible for IRA CDs. Early withdrawal penalties apply and fees may reduce earnings | 4.00% | $434 |
| 13 monthsTo earn the highest APY on a 13-month CD special with checking, the primary or joint CD owner must also be the primary or joint owner of an eligible Busey Bank checking account that is open and maintained with a positive balance. $1,000 minimum opening deposit. Eligible for IRA CDs | 4.20% | $456 |
| 18 months$1,000 minimum balance to open and earn APY on 18-month CD/IRA. Automatically renews for same term | 0.05% | $8 |
| 24 months$1,000 minimum balance to open and earn APY on 24-month CD/IRA. Automatically renews for same term | 0.05% | $10 |
| 36 months$1,000 minimum balance to open and earn APY on 36-month CD/IRA. Automatically renews for same term | 0.05% | $15 |
| 48 months$1,000 minimum balance to open and earn APY on 48-month CD/IRA. Automatically renews for same term | 0.05% | $20 |
| 60 months$1,000 minimum balance to open and earn APY on 60-month CD/IRA. Automatically renews for same term | 0.05% | $25 |
Sources (2)
- busey.com/personal/products-an…current-cd-rate-specials
- busey.com/personal/products-an…t-interest-rates-arizona
All captured Oct 16, 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.