First Federal Savings Bank of Champaign-Urbana CD Rates

How First Federal Savings Bank of Champaign-Urbana’s CD rates compare

Compared with banks and credit unions in Illinois, where First Federal Savings Bank of Champaign-Urbana has the most branches. $10,000, best rate first.

This bank’s best
First Federal Savings Bank of Champaign-Urbana
0.40%APY
Term
48 months
Minimum
$1,000
Earns on $10,000
$161
4 Year CD
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
First Eagle Federal Credit Union
5.00%APY
Term
12 months
Minimum
$500
Earns on $10,000
$500
First Eagle Federal Credit Union rates

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Every rate

Current CD rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Special-purpose accounts

4 Year CD

0.40%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
48 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.40%	$161

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

24 Month CD

0.25%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.25%	$50

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

18 Month CD

0.20%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.20%	$30

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

1 Year CD

0.15%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY · $1,000 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
12 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.15%	0.15%	0.15%	0.15%0.15% from $50k0.15% from $100k	$15

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

18 Month IRA

0.15%APY · 1 termIRAFrom $1,000 to open

Variable Rate - Compounds Monthly. Penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 monthsVariable Rate - Compounds Monthly. Penalty for early withdrawal	0.15%	$23

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

182 Day CD

0.10%APY · 1 termIRAFrom $50,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
6 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.10%	0.10%	—0.10% from $50k0.10% from $100k	—

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

6 month CD

0.08%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.08%	$4

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

30 Day CD

0.05%APY · 1 termIRAFrom $50,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
1 monthQuarterly Compounded Interest. Penalty for early withdrawal	0.05%	0.05%	—0.05% from $50k0.05% from $100k	—

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

60 Day CD

0.05%APY · 1 termIRAFrom $50,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
2 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.05%	0.05%	—0.05% from $50k0.05% from $100k	—

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

90 Day CD

0.05%APY · 1 termIRAFrom $50,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
3 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.05%	0.05%	—0.05% from $50k0.05% from $100k	—

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

91 Day CD

0.05%APY · 1 termIRAFrom $1,000 to open

Quarterly Compounded Interest. Penalty for early withdrawal. Any of our CDs may be self-directed as IRA accounts.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsQuarterly Compounded Interest. Penalty for early withdrawal	0.05%	$1

Sources (1)

356bank.com/borrow-insure-and-invest/cds-iras · captured Oct 6, 2026

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