Bank · FDIC insured
MidAmerica National Bank CD Rates
MidAmerica National Bank’s best CD rate is 2.47% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MidAmerica National Bank’s CD rates compare
Compared with banks and credit unions near Canton, IL, where MidAmerica National Bank has the most branches. $10,000, best rate first.
This bank’s best
MidAmerica National Bank
2.47%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,298
Certificates of Deposit (CDs)
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Bank of Farmington
4.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $231
MidAmerica National Bank CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo1.71%
- 16–30 months16–30 mo2.12%
- 31–60 months31–60 mo2.47%
- QualifiedQualified2.47%
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 MidAmerica National Bank 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.
Certificates of Deposit (CDs)
Up to 2.47%APY · 11 terms
Interest is paid quarterly or at maturity. CDs may be automatically renewed. Terms range from 90 days (3 months) to 5 years. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.41% | $35 |
| 6 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.51% | $75 |
| 9 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.61% | $121 |
| 12 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.71% | $171 |
| 16 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.81% | $242 |
| 18 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 1.91% | $288 |
| 24 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 2.02% | $408 |
| 30 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 2.12% | $538 |
| 36 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 2.22% | $681 |
| 48 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 2.37% | $982 |
| 60 monthsA penalty may be imposed for early withdrawal. APY compounded quarterly | 2.47% | $1,298 |
Sources (2)
- midnatbank.com/bank/personal/c…ficates-of-deposit-(cds)
- midnatbank.com/bank/personal/deposit-interest-rates
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) Fixed
Up to 3.03%APY · 6 terms
Fixed-rate IRA Certificates available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY compounded quarterly | 2.02% | $202 |
| 18 monthsAPY compounded quarterly | 2.12% | $320 |
| 24 monthsAPY compounded quarterly | 2.27% | $459 |
| 36 monthsAPY compounded quarterly | 2.52% | $775 |
| 48 monthsAPY compounded quarterly | 2.78% | $1,159 |
| 60 monthsAPY compounded quarterly | 3.03% | $1,610 |
Sources (2)
- midnatbank.com/bank/personal/deposit-interest-rates
- midnatbank.com/bank/personal/i…tirement-accounts-(iras)
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.