Compare Bank & Credit Union Rates
Best CD rates in Champaign, IL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–29 results in Champaign, IL
- Morton Community BankCertificate of DepositCD · 60 months · $1,000 min · 3.05%–3.11% by balance
Bank · 1 branch
3.05%APY$1,621 over 60 months on $10,000Requirements
Product: Rates apply to consumer deposits only. Rates may be unavailable in counties where the Bank does not maintain a branch facility. Specials cannot be combined with any other offers. Interest begins to accrue on the business day you deposit non-cash items. Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal.
Offer: Under $100,000.
3.01% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $100,000Your amount 3.05% $100,000 and up$100,000 and Over. 3.11% Rate checked
More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
Rate checked
More details - 2.12%APY$875 over 48 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 2.12%. Rates current as of 9/17/2026.
Offer: Last 12 months (months 37-48). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal.
Qualified rate · 2.35% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$761 over 48 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
Offer: Next 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal.
Promotional rate · 1.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
Offer: Penalty will be imposed for early withdrawal.
1.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for CD Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up 1.95% Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.85% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (5 year) Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up$100k+ balance tier. 1.95% Rate checked
More details - 1.65%APY$590 over 42 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (42 Mos) Balance APY $1,000 – $100,000Your amount 1.65% $100,000 and up$100k+ balance tier. 1.75% Rate checked
More details - 1.53%APY$308 over 24 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 1.53%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal.
Qualified rate · 1.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.45%APY$292 over 24 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (2 year) Balance APY $1,000 – $100,000Your amount 1.45% $100,000 and up$100k+ balance tier. 1.55% Rate checked
More details - 1.41%APY$725 over 60 months on $10,000
Requirements
Product: All rates subject to change. Annual percentage yield assumes interest remains on deposit until maturity. Daily balance method used to calculate interest. Additional deposits and principal withdrawals not permitted prior to maturity. Automatic renewal with a 10-day grace period. Early withdrawal penalties apply.
Offer: CD 5 Year. Compound APY. Compounded and credited quarterly. Earned interest must be greater than $10.00 to withdraw; otherwise it is compounded. Automatically renews for a 60-month term.
Effective May 1, 2026
Rate checked
More details - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (1 year) Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up$100k+ balance tier. 1.35% Rate checked
More details - 1.22%APY$245 over 24 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.22%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal.
Promotional rate · 1.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - Central Illinois Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
1.00%APY$100 over 1 year on $10,0001.00% interest rate · Effective May 1, 2023
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Champaign, IL
230 CDs at 16 banks and credit unions · checked Oct 16–22
- Typical
- 1.85%
- Top 10% from
- 4.00%
- Banks, typical
- 1.59%
- Credit unions, typical
- 3.18%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Champaign, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- U of I Community Credit UnionCredit union · 5 branches
- CEFCUCredit union · 1 branch
- Credit Union 1Credit union · 1 branch