Compare Bank & Credit Union Rates
Best CD rates in Decatur, IL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Decatur, IL
- 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
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 - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: Annual Percentage Yield of 4.40% for 12 Months. Min deposit $1000.
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 4.10%APY$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
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More details - 3.98%APY$230 over 7 months on $10,000intro rate
Requirements
Product: Dividends will be credited at maturity.
Offer: Dividends will be credited at maturity.
Promotional rate · 3.95% interest rate · Effective Nov 28, 2025
Rate checked
More details - Land of Lincoln Credit UnionShare Certificates (CDs)CD · 11 months · $10,000 min
Credit union · 3 branches
3.97%APY$363 over 11 months on $10,000Requirements
Offer: SPECIAL RATE: 11 MONTH. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.90% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.96%APY$430 over 13 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: CD Special. Penalty may be imposed for early withdrawal.
Promotional rate · 3.95% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
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More details - 3.52%APY$263 over 9 months on $10,000
Requirements
Product: The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full period until maturity. Some accounts may require a Minimum Balance to open and/or a minimum daily balance. A penalty may be imposed for early withdrawal.
Offer: Special CD. Compounding: At Maturity. Minimum balance to obtain APY: $10,000.
3.50% interest rate · Effective Nov 6, 2025
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More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
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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 - Decatur Earthmover Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Credit union · 2 branches
1.21%APY$121 over 1 year on $10,000Requirements
Product: Dividends can be paid monthly and reinvested, mailed monthly, paid at maturity, or other combinations. No deposits or withdrawals allowed. Early withdrawal penalty is twelve months of dividends (or accounts closed prior to payment results in loss of accrued dividends) but will not cause loss of initial deposit. Interest is compounded monthly.
1.20% interest rate · Compounded monthly
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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 Decatur, IL
130 CDs at 13 banks and credit unions · checked Oct 16–22
- Typical
- 2.75%
- Top 10% from
- 4.11%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.00%
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Decatur, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- United Equity Credit UnionCredit union · 1 branch
- Decatur Earthmover Credit UnionCredit union · 3 branches