Compare Bank & Credit Union Rates
Best CD rates in Rockford, IL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Rockford, IL
- 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 - 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 This is a limited time offer and may be withdrawn at any time without notice.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 · 2 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$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000intro rate
Requirements
Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.
Offer: New money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - First Community Credit UnionProsper Max Share CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
3.93% interest rate
Rate checked
More details - St. Charles Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 2 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: Requires new money (money not currently held at any Wintrust Financial Corporation location).
Offer: Requires $1,000 opening deposit of new money (money not currently held at any Wintrust Financial Corporation location) and minimum daily balance of $0.01 to obtain APY. Assumes funds remain on deposit until maturity; early withdrawal penalties apply. Automatically renews into a CD with a different term at standard rate.
Promotional rate · Effective Jun 10, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: $25 minimum deposit required. Every $25 deposited counts as entry into monthly and quarterly prize drawings. No monthly service fee. Early withdrawal penalty applies per account terms.
Offer: Every $25 deposited counts as entry into monthly and quarterly prize drawings.
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: 12-month share certificate. Must be 18 years or older. Every $25 deposit earns an entry into prize drawings (up to 100 entries per month, 300 per quarter).
Offer: Earns monthly dividends. $25 minimum balance required.
Rate checked
More details - MembersAlliance Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 3 branches
3.00%APY$300 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Early withdrawal penalty: 180 Days.
2.96% interest rate
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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 - 1.06%APY$431 over 48 months on $10,000
Requirements
Product: Membership eligibility required. Penalty will be assessed for early withdrawal. Minimum balance to open and obtain the advertised APY is $1,000.
1.05% interest rate · Effective Oct 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 Rockford, IL
182 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.50%
- Top 10% from
- 3.19%
- Banks, typical
- 0.18%
- Credit unions, typical
- 2.03%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rockford, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Rock Valley Credit UnionCredit union · 2 branches
- Illinois State Credit UnionCredit union · 1 branch
- UMB BankBank · 4 branches