Bank · FDIC insured
Wintrust Bank, N.A. CD Rates
Wintrust Bank, N.A.’s best CD rate is 4.00% APY on a 13-month CD. Rates checked October 16, 2026.
How Wintrust Bank, N.A.’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Wintrust Bank, N.A. has the most branches. $10,000, best rate first.
This bank’s best
Wintrust Bank, N.A.
4.00%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $434
13-Month CD Special
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 bank’s website. Earnings assume the rate doesn’t change.
13-Month CD Special
4.00%APY · 1 term
New money only (money not currently held at any Wintrust Financial Corporation location). APY assumes funds remain on deposit until maturity. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate and APY in effect on maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires minimum daily balance of $0.01 to obtain APY. Requires $1,000 to open with new money only. APY assumes funds remain on deposit until maturity. Early withdrawal penalties apply | 4.00% | $434 |
Sources (1)
- wintrustbank.com/personal/bank…-market-cd-wintrust.html · captured Sep 27, 2026
Opening an account
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