Bank · FDIC insured
Central Bank Illinois CD Rates
Central Bank Illinois’s best CD rate is 4.15% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Central Bank Illinois’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where Central Bank Illinois has the most branches. $10,000, best rate first.
This bank’s best
Central Bank Illinois
4.15%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $665
Certificates of Deposit (CDs)
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
Central Bank Illinois CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.15%
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 Central Bank Illinois 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 (CDs)
Up to 4.15%APY · 9 terms
No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 1.50% | $37 |
| 6 monthsPenalty for early withdrawal | 1.75% | $87 |
| 7 monthsSpecial Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 7-Month CD will automatically renew to a term of 182-Day | 3.85% | $223 |
| 12 monthsPenalty for early withdrawal | 2.00% | $200 |
| 13 monthsSpecial Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 13-Month CD will automatically renew to a term of 12-Months | 4.10% | $445 |
| 18 monthsPenalty for early withdrawal | 3.75% | $568 |
| 19 monthsSpecial Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 19-Month CD will automatically renew to a term of 18-Months | 4.15% | $665 |
| 30 monthsPenalty for early withdrawal | 3.75% | $964 |
| 60 monthsPenalty for early withdrawal | 3.75% | $2,021 |
Sources (3)
All captured Oct 6, 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.