Bank · FDIC insured
Spring Valley Bank CD Rates
Spring Valley Bank’s best CD rate is 3.81% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Spring Valley Bank’s CD rates compare
Compared with banks and credit unions near Ottawa, IL, where Spring Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Spring Valley Bank
3.81%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $777
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
Spring Valley Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.81%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.81%
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 Spring Valley 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
Up to 3.81%APY · 6 terms
Fixed rate for the term. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. Simple interest. Fixed rate for the term (T). Penalty for early withdrawal (P) | 0.10% | $2 |
| 6 months182 Day CD. Simple interest. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.72% | $184 |
| 11 months11 Month CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 0.30% | $27 |
| 12 months1 Year CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.80% | $380 |
| 24 months24 Month CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.81% | $777 |
| 60 months60 Month CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.30% | $1,763 |
Special-purpose accounts
Individual Retirement Accounts
Up to 3.81%APY · 7 terms
Contributory Traditional and Roth Individual Retirement Accounts (IRAs). Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day IRA. Simple interest. Fixed rate for the term (T). Penalty for early withdrawal (P) | 0.10% | $2 |
| 6 months182 Day IRA. Simple interest. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.72% | $184 |
| 11 months11 Month IRA. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 0.30% | $27 |
| 12 months1 Year IRA. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.80% | $380 |
| 18 months18 Month IRA (Variable Rate). Compounded daily. Rate may change after account is opened (V). Penalty for early withdrawal (P) | 0.65% | $98 |
| 24 months24 Month IRA. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.81% | $777 |
| 60 months60 Month IRA. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P) | 3.30% | $1,763 |
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.