Compare Bank & Credit Union Rates
Top-rated banks and credit unions
Ranked by Carrot Score: how each one’s CD, savings, auto loan and credit card rates compare with every U.S. bank and credit union.
Each institution’s best rate at every CD term and savings balance is placed among every U.S. bank and credit union’s; its Carrot Score blends its best offers with how it does across the board. Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions.
Payment never changes a score or a rank. Rankings are a preview, not awards.
Top-rated in Effingham, IL metro
Showing 1–9 of 9 scored for CDs
- First State Bank of Beecher City3–8 mo 3.80% · 9–15 mo 4.08% · 16–30 mo 4.08% · 31–60 mo 3.82%
Bank · 1 branch
88CD score#1 in Effingham, IL metro - 84CD score#2 in Effingham, IL metro
- First National Bank of Waterloo3–8 mo 3.70% · 9–15 mo 3.91% · 16–30 mo 3.96% · 31–60 mo 3.39%
Bank · 1 branch
84CD score#3 in Effingham, IL metro - Washington Savings Bank3–8 mo 3.55% · 9–15 mo 3.60% · 16–30 mo 3.70% · 31–60 mo 3.75%
Bank · 2 branches
82CD score#4 in Effingham, IL metro - Teutopolis State Bank3–8 mo 3.53% · 9–15 mo 3.55% · 16–30 mo 3.79% · 31–60 mo 3.02%
Bank · 2 branches
79CD score#5 in Effingham, IL metro - 79CD score#6 in Effingham, IL metro
- Land of Lincoln Credit Union3–8 mo 3.07% · 9–15 mo 3.97% · 16–30 mo 2.86% · 31–60 mo 2.58%
Credit union · 2 branches
74CD score#7 in Effingham, IL metro - 72CD score#8 in Effingham, IL metro
- First Mid Bank & Trust3–8 mo 0.30% · 9–15 mo 0.40% · 16–30 mo 2.75% · 31–60 mo 2.75%
Bank · 3 branches
65CD score#9 in Effingham, IL metro
Ranked by CD score: how each institution’s CD rates compare with every U.S. bank and credit union. Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. 5 of the 14 institutions with a branch in Effingham, IL metro have too few rates published or captured to score. Rankings are a preview, not awards.