Federated Bank CD Rates · October 2026

How Federated Bank’s CD rates compare

Compared with banks and credit unions near Chicago, IL-IN, where Federated Bank has the most branches. $10,000, best rate first.

This bank’s best
Federated Bank
4.15%APY
Term
5 months
Minimum
$5,000
Earns on $10,000
$171
Certificate of Deposit Special
Top rate
Vicinity Credit Union
5.15%APY
Term
13 months
Minimum
$1,000
Earns on $10,000
$559
Vicinity Credit Union rates
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
Term
60 months
Minimum
$1,000
Earns on $10,000
$2,836
Whiting Refinery Federal Credit Union rates

Compare CD rates near you →

86

CD score

Higher than 74% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.15%
9–15 months9–15 mo4.05%
16–30 months16–30 mo2.68%
31–60 months31–60 mo2.27%
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.

How the score works →

Where Federated 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 Special

Up to 4.15%APY · 2 termsPromotionalFrom $5,000 to open

CD Specials require minimum deposit of $5,000. Auto-renewal policy applies (see term conditions). Rates may change after account is opened.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
5 months5-Month Term; renews at 6-Month term at maturity	4.15%	$171
11 months11-Month Term; renews at 12-Month term at maturity	4.05%	$371

Sources (1)

federatedbank.com/current-rates · captured Sep 17, 2026

Certificate of Deposit

Up to 2.73%APY · 8 termsFrom $1,000 to open

Rates may change after account is opened. Minimum balance to open and maintain APY applies. Early withdrawal penalties may apply per individual contract terms.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months91-Day Term	2.52%	$62
6 months182-Day Term	2.63%	$131
12 months1-Year Term	2.73%	$273
18 months18-Month Term	2.68%	$405
24 months24-Month Term	2.57%	$521
36 months36-Month Term	2.27%	$697
48 months48-Month Term	2.12%	$875
60 months60-Month Term	2.02%	$1,052

Sources (1)

federatedbank.com/current-rates · captured Sep 17, 2026

Special-purpose accounts

ROTH IRA 1-Year Certificate

2.83%APY · 1 termIRAFrom $100 to open

Minimum balance to open account and maintain APY is $100.00. Substantial penalty for early withdrawal may apply. $50.00 IRA transfer/closing fee.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsInterest compounded quarterly	2.83%	$283
12 monthsInterest compounded quarterly. Earnings assume principal and interest remain on deposit until maturity	2.83%	$283

Sources (3)

All captured Sep 17, 2026

IRA 30-Month Variable Certificate

2.78%APY · 1 termIRAPromotionalFrom $100 to open

Variable rate account; interest rate may change after the account is opened. Minimum balance to open account and maintain APY is $100.00. Penalty for early withdrawal stated on IRA Certificate and may be up to 6 months loss of interest. $50.00 IRA transfer/closing fee.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
30 monthsInterest compounded quarterly	2.78%	$710
30 monthsInterest compounded quarterly. Interest rate may change after the account is opened	2.78%	$710