Credit union · NCUA insured
Northern Illinois Federal Credit Union CD Rates
Northern Illinois Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked October 16, 2026.
How Northern Illinois Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Northern Illinois Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Illinois Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Certificates 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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.50%APY · 2 terms
Fixed-term investment (6 or 12 months). Member must complete deposit of $25 in regular share account as a condition of membership. 90-day dividend early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 2.25% | $225 |
Add-on CD
2.25%APY · 1 term
Add-on CDs are available for 12-month term only. Member must complete deposit of $25 in regular share account as a condition of membership. 90-day dividend early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for twelve-month term only | 2.25% | $225 |
Who can join Northern Illinois Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, or worship in DeKalb County are eligible for membership.
- Individuals who live, work, attend school, or worship in Lee County are eligible for membership.
- Individuals who live, work, attend school, or worship in Ogle County are eligible for membership.
Military, government and schools
- Employees of DeKalb Public Library are eligible for membership.
- Members or employees of Illinois Association of School Business Officials are eligible for membership.
- Employees or affiliates of Northern Illinois University are eligible for membership.
2 more ways to join
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relations) of current members are eligible for membership.
- Members of the same household as current members (defined as persons living in the same residence forming a single economic unit) are eligible for membership.
Cost to join
- An opening deposit of $25 by cash, check, or card is required to open a membership account.
Membership information collected October 5, 2026.