Compare Bank & Credit Union Rates
Best CD rates in Chicago, IL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Chicago, IL
- 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 - 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
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
4.33% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - International Bank of ChicagoCertificate of DepositCD · 12 months · $1,000 min · 1.50%–4.35% by balance
Bank · 2 branches
4.35%APY$435 over 1 year on $10,000Requirements
Offer: Credit frequency: Quarterly. Early withdrawal penalty may apply.
1.49% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and up 1.50% $5,000 – $500,000Your amountPromotional rate. Applies to customers opening new accounts at Branches in Illinois. Eligible for IRAs. Not available to brokers or financial institutions. $5,000 minimum to open and to obtain promotional rate. Funds must be new to International Bank of Chicago based on customer's total balances as of 09/18/2026. 4.35% Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.27% interest rate · Balance cap $5,000,000 · Effective Sep 22, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 6 branches
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% Rate checked
More details - 4.33%APY$396 over 11 months on $10,000intro rate
Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalty applies and reduces earnings. Federally insured up to $250,000.
Offer: Special 11-month certificate. Funds must be new money derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts transferred no more than 30 days prior to establishment.
Promotional rate · 4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chicago Firefighters Credit UnionShare CertificateCD · 12 months · $10,000 min
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000Requirements
Product: Share rates effective as of October 1, 2026. All share and loan rates are subject to change at any time at the discretion of the Board of Directors. Fees could reduce the earnings on accounts. Withdrawals made prior to maturity are subject to loss of dividend days specified in offer.
Offer: Withdrawals made prior to maturity are subject to a loss of 120 days dividend
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Limited-time promotional CD offer. Minimum investment $1,000. IRAs and commercial accounts are not eligible. Interest will not be compounded and will be posted at maturity. Automatically renews at maturity into a 6-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.
Offer: Limited-time offer. Automatically renews at maturity into a 6-month CD at the then current rate. IRAs and commercial accounts are not eligible. Early withdrawal penalty applies. Interest will not be compounded; posted at maturity.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited time CD Rate Special. Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Offer: Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Promotional rate · Compounded quarterly · Effective Sep 17, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 35 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Must be eligible and qualify for membership at Verve, a Credit Union; purchase and maintain 1 share at par value of $5.00 in a savings account. Penalty for early withdrawal.
Offer: Special rate certificate. Dividends compound monthly. Automatic renewal upon maturity.
Promotional rate · 4.17% interest rate · Effective Sep 23, 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 Chicago, IL
473 CDs at 48 banks and credit unions · checked Oct 16–22
- Typical
- 1.75%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.21%
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Find your bank or credit union to see all its rates and how they compare near you.
Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches