Compare Bank & Credit Union Rates
Best CD rates in Illinois
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Illinois
- 5.15%APY$559 over 13 months on $10,000intro rate
Requirements
Product: Dividends compounded daily. Minimum deposit and balance requirements vary by term.
Promotional rate · 5.05% interest rate · Compounded daily · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - 4.75%APY$2,612 over 60 months on $10,000intro rate
Requirements
Product: Guaranteed returns on deposit; early withdrawals subject to penalty; no setup or maintenance fees. Rates effective as of 2026-03-23.
Offer: Limited Time Special! New Money Only.
Promotional rate · 4.65% interest rate · Effective Mar 23, 2026
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More details - 4.71%APY$1,481 over 36 months on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.60% interest rate · Effective Oct 5, 2026
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More details - 4.70%APY$591 over 15 months on $10,000
Requirements
Offer: Interest paid at maturity (Renewable)
4.62% interest rate
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More details - 4.61%APY$422 over 11 months on $10,000with conditions
Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - 4.59%APY$898 over 23 months on $10,000
Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
4.50% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.58%APY$1,395 over 35 months on $10,000intro rate
Requirements
Product: Early withdrawal on share certificates may affect dividends earned.
Offer: 35 Month *Special*
Promotional rate · 4.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.50%APY$336 over 9 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.48% interest rate · Effective Oct 6, 2026
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More details - 4.50%APY$412 over 11 months on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Offer: CD Special - expires 10/31/26
Promotional rate · Effective Sep 15, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
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More details - 4.50%APY$488 over 13 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.43% interest rate · Effective Oct 6, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Must be opened with new money transferred from lower-paying accounts at other financial institutions. Transfers between Tech Credit Union accounts do not qualify. Requires $25.00 in Membership Savings. Penalty imposed for early withdrawal. Principal and interest transfer to Membership Savings at end of term.
Offer: Requires minimum $1,000 new money to open.
Promotional rate
Rate checked
More details - Abbott Laboratories Employees Credit UnionCertificatesCD · 20 months · $500 min
Credit union · 8 branches
4.50%APY$761 over 20 months on $10,000Requirements
Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
Offer: Special certificate rate; early withdrawal penalty may apply.
4.41% interest rate · Effective Feb 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Illinois
2,750 CDs at 307 banks and credit unions · checked Oct 16–22
- Typical
- 2.57%
- Top 10% from
- 4.00%
- Banks, typical
- 2.22%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch