Bank · FDIC insured
First Bank Chicago CD Rates
Top CarrotFirst Bank Chicago’s best CD rate is 4.20% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Bank Chicago’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Bank Chicago has the most branches. $10,000, best rate first.
This bank’s best
First Bank Chicago
4.20%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,284
Certificates of Deposit (CD)
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
First Bank Chicago CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 First Bank Chicago 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 (CD)
Up to 4.20%APY · 8 terms
Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 91 Days | 3.50% | $0 |
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 3.80% | $575 |
| 24 months | 3.95% | $806 |
| 36 months | 4.05% | $1,265 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.20% | $2,284 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA) Certificate of Deposit
Up to 4.20%APY · 8 terms
Available as Traditional IRA and Roth IRA. Minimum deposit to open an Individual Retirement Account (IRA) Certificate of Deposit and obtain stated APY is $1,000.00. Early withdrawal penalty may be imposed for withdrawal prior to maturity. Fees may reduce earnings. APY assumes interest remains on deposit until maturity. Rates are variable and subject to change at any time. Please see a Banker for details regarding account restrictions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 3.80% | $575 |
| 24 months | 3.95% | $806 |
| 36 months | 4.05% | $1,265 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.20% | $2,284 |
Sources (1)
- firstbankchicago.com/Deposit-Rates · 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.