Bank · FDIC insured
International Bank of Chicago CD Rates
Top CarrotInternational Bank of Chicago’s best CD rate is 4.35% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How International Bank of Chicago’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where International Bank of Chicago has the most branches. $10,000, best rate first.
This bank’s best
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
Certificate of Deposit
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
International Bank of Chicago CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.35%
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 International Bank of 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.
Certificate of Deposit
Up to 4.35%APY · 11 terms
| Term | APY · $1,000 and up | APY · $5,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthCredit frequency: Monthly. A one-month term is at least 31 days. Early withdrawal penalty may apply | 1.00% | — | 1.00% | $8 |
| 3 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.25% | — | 1.25% | $31 |
| 6 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.25% | — | 1.25% | $62 |
| 9 monthsPromotional rate. Applies to customers opening new accounts at Branches in Illinois. Not available to brokers or financial institutions. $5,000 minimum to open and to obtain promotional rate. Funds are limited to maximum $500,000 per local household or business. Funds must be new to International Bank of Chicago based on customer's total balances as of 09/18/2026. Early withdrawal penalty may apply | — | 4.25% | 4.25% | $317 |
| 12 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.50% | — | 1.50% | $150 |
| 12 monthsPromotional rate. Applies to customers opening new accounts at Branches in Illinois. Eligible for IRAs. Not available to brokers or financial institutions. $5,000 minimum to open and to obtain promotional rate. Funds are limited to maximum $500,000 per local household or business. Funds must be new to International Bank of Chicago based on customer's total balances as of 09/18/2026. Early withdrawal penalty may apply | — | 4.35% | 4.35% | $435 |
| 18 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.50% | — | 1.50% | $226 |
| 24 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.75% | — | 1.75% | $353 |
| 24 monthsPromotional rate. Applies to customers opening new accounts at Branches in Illinois. Eligible for IRAs. Not available to brokers or financial institutions. $5,000 minimum to open and to obtain promotional rate. Funds are limited to maximum $500,000 per local household or business. Funds must be new to International Bank of Chicago based on customer's total balances as of 09/18/2026. Early withdrawal penalty may apply | — | 4.00% | 4.00% | $816 |
| 30 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 1.75% | — | 1.75% | $443 |
| 36 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 2.00% | — | 2.00% | $612 |
| 48 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 2.00% | — | 2.00% | $824 |
| 60 monthsCredit frequency: Quarterly. Early withdrawal penalty may apply | 2.00% | — | 2.00% | $1,041 |
Sources (3)
All captured Oct 6, 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.