Bank · FDIC insured
Byron Bank CD Rates
Byron Bank’s best CD rate is 4.11% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Byron Bank’s CD rates compare
Compared with banks and credit unions near Rochelle, IL, where Byron Bank has the most branches. $10,000, best rate first.
This bank’s best
Byron Bank
4.11%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $376
Certificate of Deposit (CD)
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
Byron Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo0.80%
- 31–60 months31–60 mo1.10%
- QualifiedQualified4.11%
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 Byron Bank 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.
Certificate of Deposit (CD)
Up to 4.11%APY · 9 terms
Consumer CDs for terms of 30 days to 5 years; interest rate increases with term and amount invested. Interest compounded and paid quarterly for terms 6 months and older; 30 to 90 day certificates compound and are paid at maturity. Penalty for early withdrawal; fees may reduce earnings. $1,000 minimum deposit for 1-2-3-4-5 year terms.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 month30 Days term; $1,000 minimum deposit tier | — | 0.40% | — | — | 0.40% | $3 |
| 1 month30 Days term; $100,000 minimum deposit tier | — | — | — | 0.70% | —0.70% from $100k | — |
| 1 month30 Days term; $50,000 minimum deposit tier | — | — | 0.60% | — | —0.60% from $50k | — |
| 3 months91 Days term; $1,000 minimum deposit tier | — | 0.40% | — | — | 0.40% | $10 |
| 3 months91 Days term; $100,000 minimum deposit tier | — | — | — | 0.70% | —0.70% from $100k | — |
| 3 months91 Days term; $50,000 minimum deposit tier | — | — | 0.60% | — | —0.60% from $50k | — |
| 6 months182 Days term; $1,000 minimum deposit tier | — | 0.50% | — | — | 0.50% | $25 |
| 6 months182 Days term; $100,000 minimum deposit tier | — | — | — | 0.80% | —0.80% from $100k | — |
| 6 months182 Days term; $50,000 minimum deposit tier | — | — | 0.70% | — | —0.70% from $50k | — |
| 11 monthsPromotional 11 Month CD. $500 minimum balance required to obtain 4.11% APY. Penalty for early withdrawal may be imposed. Fees may reduce earnings | 4.11% | — | — | — | 4.11% | $376 |
| 12 months12 Months term; $1,000 minimum deposit tier | — | 0.70% | — | — | 0.70% | $70 |
| 12 months12 Months term; $100,000 minimum deposit tier | — | — | — | 1.00% | —1.00% from $100k | — |
| 12 months12 Months term; $50,000 minimum deposit tier | — | — | 0.90% | — | —0.90% from $50k | — |
| 24 months24 Months term; $1,000 minimum deposit tier | — | 0.80% | — | — | 0.80% | $161 |
| 24 months24 Months term; $100,000 minimum deposit tier | — | — | — | 1.10% | —1.10% from $100k | — |
| 24 months24 Months term; $50,000 minimum deposit tier | — | — | 1.00% | — | —1.00% from $50k | — |
| 36 months36 Months term; $1,000 minimum deposit tier | — | 0.90% | — | — | 0.90% | $272 |
| 36 months36 Months term; $100,000 minimum deposit tier | — | — | — | 1.21% | —1.21% from $100k | — |
| 36 months36 Months term; $50,000 minimum deposit tier | — | — | 1.10% | — | —1.10% from $50k | — |
| 48 months48 Months term; $1,000 minimum deposit tier | — | 1.00% | — | — | 1.00% | $406 |
| 48 months48 Months term; $100,000 minimum deposit tier | — | — | — | 1.31% | —1.31% from $100k | — |
| 48 months48 Months term; $50,000 minimum deposit tier | — | — | 1.21% | — | —1.21% from $50k | — |
| 60 months60 Months term; $1,000 minimum deposit tier | — | 1.10% | — | — | 1.10% | $562 |
| 60 months60 Months term; $100,000 minimum deposit tier | — | — | — | 1.41% | —1.41% from $100k | — |
| 60 months60 Months term; $50,000 minimum deposit tier | — | — | 1.31% | — | —1.31% from $50k | — |
Special-purpose accounts
Fixed Rate IRA Certificate
Up to 1.10%APY · 8 terms
Official CDs & Fixed Rate IRAs schedule applies to fixed-rate IRA certificates as well as regular CDs. Same deposit tiers, terms, compounding, and early-withdrawal penalties as the shared table. $1,000 minimum deposit for 1-2-3-4-5 year terms. Fees may reduce earnings. Traditional/Roth/SEP tax wrappers not separately scheduled.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month30 Days term; $1,000 minimum deposit tier. Interest compounded and paid at maturity for 30 to 90 day certificates. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | 0.40% | — | — | 0.40% | $3 |
| 1 month30 Days term; $100,000 minimum deposit tier. Interest compounded and paid at maturity for 30 to 90 day certificates. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | — | 0.70% | —0.70% from $100k | — |
| 1 month30 Days term; $50,000 minimum deposit tier. Interest compounded and paid at maturity for 30 to 90 day certificates. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | 0.60% | — | —0.60% from $50k | — |
| 3 months91 Days term; $1,000 minimum deposit tier. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | 0.40% | — | — | 0.40% | $10 |
| 3 months91 Days term; $100,000 minimum deposit tier. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | — | 0.70% | —0.70% from $100k | — |
| 3 months91 Days term; $50,000 minimum deposit tier. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | 0.60% | — | —0.60% from $50k | — |
| 6 months182 Days term; $1,000 minimum deposit tier. Interest compounded and paid quarterly for terms 6 months and older. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | 0.50% | — | — | 0.50% | $25 |
| 6 months182 Days term; $100,000 minimum deposit tier. Interest compounded and paid quarterly for terms 6 months and older. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | — | 0.80% | —0.80% from $100k | — |
| 6 months182 Days term; $50,000 minimum deposit tier. Interest compounded and paid quarterly for terms 6 months and older. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | 0.70% | — | —0.70% from $50k | — |
| 12 months12 Months term; $1,000 minimum deposit for CD term 1-2-3-4-5 years. Interest compounded and paid quarterly. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | 0.70% | — | — | 0.70% | $70 |
| 12 months12 Months term; $100,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | — | 1.00% | —1.00% from $100k | — |
| 12 months12 Months term; $50,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 90 days of interest for maturity of 1 year or less. Fees may reduce earnings | — | 0.90% | — | —0.90% from $50k | — |
| 24 months24 Months term; $1,000 minimum deposit for CD term 1-2-3-4-5 years. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | 0.80% | — | — | 0.80% | $161 |
| 24 months24 Months term; $100,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | — | — | 1.10% | —1.10% from $100k | — |
| 24 months24 Months term; $50,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | — | 1.00% | — | —1.00% from $50k | — |
| 36 months36 Months term; $1,000 minimum deposit for CD term 1-2-3-4-5 years. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | 0.90% | — | — | 0.90% | $272 |
| 36 months36 Months term; $100,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | — | — | 1.21% | —1.21% from $100k | — |
| 36 months36 Months term; $50,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 182 days of interest for maturity of more than 1 year through 36 months. Fees may reduce earnings | — | 1.10% | — | —1.10% from $50k | — |
| 48 months48 Months term; $1,000 minimum deposit for CD term 1-2-3-4-5 years. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | 1.00% | — | — | 1.00% | $406 |
| 48 months48 Months term; $100,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | — | — | 1.31% | —1.31% from $100k | — |
| 48 months48 Months term; $50,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | — | 1.21% | — | —1.21% from $50k | — |
| 60 months60 Months term; $1,000 minimum deposit for CD term 1-2-3-4-5 years. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | 1.10% | — | — | 1.10% | $562 |
| 60 months60 Months term; $100,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | — | — | 1.41% | —1.41% from $100k | — |
| 60 months60 Months term; $50,000 minimum deposit tier. Interest compounded and paid quarterly. Early withdrawal penalty: 365 days of interest for maturity greater than 36 months. Fees may reduce earnings | — | 1.31% | — | —1.31% from $50k | — |
Sources (1)
- byronbank.com/personal/deposit-rates · captured Sep 17, 2026
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