Credit union · NCUA insured
Community Trust Credit Union CD Rates
Community Trust Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community Trust Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Trust Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Community Trust Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo1.01%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo1.36%
- QualifiedQualified4.00%
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 Community Trust 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.
Share Certificates
Up to 4.00%APY · 9 terms
Must meet credit union membership guidelines and have a primary savings account. Fixed dividend rate. Early withdrawal penalty applies (3 months interest on certificates of 12 months or less; 6 months interest on certificates of more than 12 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 4.00% | $198 |
| 12 months | 1.01% | $101 |
| 16 months16 Month Special. Non-renewable. Not available for IRA deposits. APY assumes dividends remain on deposit until maturity | 3.50% | $469 |
| 18 months | 1.11% | $167 |
| 24 months | 1.21% | $243 |
| 36 months | 1.26% | $383 |
| 48 months | 1.31% | $534 |
| 60 months | 1.36% | $699 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.00%APY · 8 terms
CTCU membership required. Rate is fixed throughout the term. Minimum deposit is $500. 90-180 day credit union penalty for early withdrawal. IRS assesses a 10% penalty on withdrawals prior to age 59 1/2. 16-month special term is not available for IRA deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 4.00% | $198 |
| 12 months | 1.01% | $101 |
| 18 months | 1.11% | $167 |
| 24 months | 1.21% | $243 |
| 36 months | 1.26% | $383 |
| 48 months | 1.31% | $534 |
| 60 months | 1.36% | $699 |
Sources (2)
All captured Sep 25, 2026
Who can join Community Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin are eligible for membership.
Family and household
- Individuals who have a relative who is a CTCU member are eligible for membership.
Cost to join
- Opening a membership requires $5.00.
Membership information collected October 5, 2026.