Credit union · NCUA insured
Illinois Educators CU CD Rates
Top CarrotIllinois Educators CU’s best CD rate is 4.26% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Illinois Educators CU’s CD rates compare
Compared with banks and credit unions near Springfield, IL, where Illinois Educators CU has the most branches. $10,000, best rate first.
This credit union’s best
Illinois Educators CU
3.51%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $87
Certificate Rates
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Illinois Educators CU CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.51%
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 Illinois Educators CU 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.
Birthday CD Special
4.26%APY · 1 term
Updated: Our Birthday CD's are sold out! Offer valid from February 2-13, 2026 or until maximum dollar amount set by ALCO has been reached. Offer valid from February 2-13, 2026 or until maximum dollar amount set by ALCO has been reached.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsCertificate is open for 8 months from open date. Offer valid from February 2-13, 2026 or until maximum dollar amount set by ALCO has been reached | 4.26% | $282 |
Sources (1)
- iecumember.org/investments/birthday-cd · captured Oct 16, 2026
Certificate Rates
3.51%APY · 10 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum Deposit $1,000.00 | 3.51% | $87 |
| 6 monthsMinimum Deposit $1,000.00 | 3.51% | $174 |
| 9 monthsMinimum Deposit $1,000.00 | 3.51% | $262 |
| 12 monthsMinimum Deposit $1,000.00 | 3.51% | $351 |
| 18 monthsMinimum Deposit $1,000.00 | 3.51% | $531 |
| 24 monthsMinimum Deposit $1,000.00 | 3.51% | $714 |
| 30 monthsMinimum Deposit $1,000.00 | 3.51% | $901 |
| 36 monthsMinimum Deposit $1,000.00 | 3.51% | $1,090 |
| 48 monthsMinimum Deposit $1,000.00 | 3.51% | $1,480 |
| 60 monthsMinimum Deposit $1,000.00 | 3.51% | $1,883 |
Sources (1)
- iecumember.org/savings-rates · captured Oct 16, 2026
Future Me CD
2.07%APY · 1 term
Our Future Me CD allows you to save for a goal. With a smaller beginning deposit than our typical CD's and the ability to make deposits, this is an easy investment in YOU! Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.07% | $207 |
Sources (1)
- iecumember.org/savings-rates · captured Oct 16, 2026
Who can join Illinois Educators CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Open to individuals employed by Horace Mann Companies, Illinois Education Association (IEA/NEA), or subsidiaries and affiliates of IEA/NEA.
Military, government and schools
- Open to employees, retired employees, current students, and alumni of any school in Sangamon, Menard, Morgan, Cass, Brown, Adams, Pike, Ford, Champaign, and Scott County, Illinois.
Family and household
- Open to immediate family members of current members.
Cost to join
- A minimum deposit of $5.00 is required to establish membership.
Membership information collected October 5, 2026.