Credit union · NCUA insured
Illinois State Credit Union CD Rates
Top CarrotIllinois State Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Illinois State Credit Union’s CD rates compare
Compared with banks and credit unions near Bloomington, IL, where Illinois State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Illinois State Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Share Certificates
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
First State Bank
4.25%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $1,020
Illinois State Credit Union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- 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 Illinois State 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 · 8 terms
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.45% | $85 |
| 6 months | 3.80% | $188 |
| 9 months | 3.80% | $284 |
| 12 months | 3.85% | $385 |
| 18 months | 3.85% | $583 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
| 48 months | 3.70% | $1,564 |
Sources (1)
- itsmycreditunion.org/rates.asp · captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Accounts Certificates
Up to 4.00%APY · 4 terms
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term. Dividend paid monthly on the average daily balance. Subject to availability.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.85% | $385 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
Sources (1)
- itsmycreditunion.org/rates.asp · captured Sep 17, 2026
Who can join Illinois State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.