Compare Bank & Credit Union Rates
Best CD rates in O'Fallon, IL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in O'Fallon, IL
- 4.35%APY$2,865 over 71 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance to earn interest is $1,000.
4.28% interest rate · Effective Oct 16, 2026
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 This is a limited time offer and may be withdrawn at any time without notice.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 - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Rates subject to change without notice. Penalty for early withdrawal. No compounding, interest paid at maturity. Renews automatically upon maturity after 10-day grace period.
Offer: No compounding, interest paid at maturity. Penalty for early withdrawal.
4.05% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 3.96%APY$808 over 24 months on $10,000
Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.80%APY$412 over 13 months on $10,000
Requirements
Product: Automatically renewable time account. Interest compounded monthly, deposited to another account, or payable by check. No deposits can be made before maturity. Interest penalty and bank service charge for early withdrawals.
Offer: 13 Month CD Special. A penalty may be imposed for early withdrawal.
3.74% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
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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
Rate checked
More details - 3.20%APY
Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal determined by the CD term. Interest compounded and credited quarterly.
Offer: Seven Years (84+ months). Minimum balance to earn interest/APY is $1,000.
3.16% interest rate · Effective Sep 11, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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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 O'Fallon, IL
116 CDs at 10 banks and credit unions · checked Oct 4–22
- Typical
- 2.97%
- Top 10% from
- 4.05%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.35%
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St. Louis, MO-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 42 branches
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch