Land of Lincoln Credit Union CD Rates

How Land of Lincoln Credit Union’s CD rates compare

Compared with banks and credit unions near Decatur, IL, where Land of Lincoln Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Land of Lincoln Credit Union
3.97%APY
Term
11 months
Minimum
—
Earns on $10,000
$363
Share Certificates (CDs)
Top rate
United Equity Credit Union
4.75%APY
Term
60 months
Minimum
$1,000
Earns on $10,000
$2,612
United Equity Credit Union rates
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
Term
35 months
Minimum
—
Earns on $10,000
$1,395
1st MidAmerica Credit Union rates

Compare CD rates near you →

CD score

Higher than 35% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.07%
9–15 months9–15 mo3.97%
16–30 months16–30 mo2.86%
31–60 months31–60 mo2.58%
QualifiedQualified3.97%

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.

How the score works →

Where Land of Lincoln Credit Union ranks

By CD score, in each area where it has branches

And 3 more areas →

Every rate

Current CD rates

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

Share Certificates (CDs)

Up to 3.97%APY · 10 terms

Earnings on $10,000 over the term.
Term	APY · $100 and up	APY · $1,000 – $50,000	APY · $10,000 and up	APY · $50,000 and up	APY	Earns on $10,000Earns
3 months3-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings	—	3.07%	—	—	3.07%	$76
3 months3-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.43%	—3.43% from $50k	—
6 months6-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings	—	3.02%	—	—	3.02%	$150
6 months6-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.32%	—3.32% from $50k	—
11 monthsSPECIAL RATE: 11 MONTH. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings	—	—	3.97%	—	3.97%	$363
12 months12-month - Share Certificate Starter. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings	2.01%	—	—	—	2.01%	$201
12 months12-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	3.00%	—	—	3.00%	$300
12 months12-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.35%	—3.35% from $50k	—
18 months18-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.86%	—	—	2.86%	$432
18 months18-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.20%	—3.20% from $50k	—
24 months24-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.68%	—	—	2.68%	$543
24 months24-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.08%	—3.08% from $50k	—
30 months30-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.68%	—	—	2.68%	$684
30 months30-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.08%	—3.08% from $50k	—
36 months36-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.58%	—	—	2.58%	$794
36 months36-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.03%	—3.03% from $50k	—
48 months48-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.58%	—	—	2.58%	$1,073
48 months48-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.03%	—3.03% from $50k	—
60 months60-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	2.58%	—	—	2.58%	$1,358
60 months60-month - Share Certificates $50,000.00 or Greater. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. Fees could reduce earnings	—	—	—	3.03%	—3.03% from $50k	—

Sources (2)

All captured Oct 6, 2026

Who can join Land of Lincoln Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to anyone who works or resides in 28 specified Illinois counties.

Employers and groups

Membership is open to current employees of Land of Lincoln Credit Union's Premier Partners.

Family and household

Membership is open to immediate family members of a current Land of Lincoln Credit Union member (children, parents, spouses, siblings, grandparents, and grandchildren), regardless of residence.

Other ways

Membership is open to members, associate members, clergy, pastors, or affiliates of a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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