Credit union · NCUA insured
U of I Community Credit Union CD Rates
Top CarrotU of I Community Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How U of I Community Credit Union’s CD rates compare
Compared with banks and credit unions near Champaign, IL, where U of I Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
U of I Community Credit Union
4.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $858
Silver Share Certificate
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
U of I Community Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.20%
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 U of I Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Silver Share Certificate
Up to 4.20%APY · 7 terms
Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty of 90 day dividend | 0.15% | — | 0.15% | $4 |
| 6 monthsEarly withdrawal penalty of 90 day dividend | 4.00% | — | 4.00% | $198 |
| 12 monthsEarly withdrawal penalty of 180 day dividend | 4.10% | — | 4.10% | $410 |
| 24 months2 years jumbo. Early withdrawal penalty of 180 day dividend | — | 4.25% | —4.25% from $100k | — |
| 24 monthsEarly withdrawal penalty of 180 day dividend | 4.20% | — | 4.20% | $858 |
| 36 monthsEarly withdrawal penalty of 180 day dividend | 3.80% | — | 3.80% | $1,184 |
| 48 monthsEarly withdrawal penalty of 180 day dividend | 3.80% | — | 3.80% | $1,609 |
| 60 monthsEarly withdrawal penalty of 180 day dividend | 3.80% | — | 3.80% | $2,050 |
Sources (2)
All captured Oct 6, 2026
33-Month Add-on Certificate
3.30%APY · 1 term
Limit one per person. Minimum opening deposit $100. Additional deposits allowed during term with a minimum of $25. Total balance may not exceed $100,000; excess funds moved automatically to primary share account. No Loyalty Checking bonus. At maturity converts to a 36 month Silver Share Certificate. Early withdrawal penalty of 180 day dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 33 monthsLimit one per person. Minimum $100 opening deposit, $25 minimum add-on deposit, maximum balance $100,000. Early withdrawal penalty of 180 day dividend | 3.30% | $934 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 5 terms
Available for Traditional IRAs and Roth IRAs. Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies in addition to IRA regulations/IRS law.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty of 180 day dividend | 3.65% | $365 |
| 24 monthsEarly withdrawal penalty of 180 day dividend | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty of 180 day dividend | 3.60% | $1,119 |
| 48 monthsEarly withdrawal penalty of 180 day dividend | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalty of 180 day dividend | 3.60% | $1,934 |
Sources (2)
All captured Oct 6, 2026
Who can join U of I Community 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 can join based on their home address.
Employers and groups
- Individuals can join through their employer.
Family and household
- Individuals can join through another member.
Other ways
- Individuals can join through The Community Impact Fund.
Cost to join
- Join for just $1.
Membership information collected October 5, 2026.