Compare Bank & Credit Union Rates
Best CD rates in Illinois
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 166–180 results in Illinois
- Partnership Financial Credit UnionTerm Share CertificateCD · 7 months · $1,000 min
Credit union · 7 branches
3.90%APY$226 over 7 months on $10,000Requirements
Product: Partnership Financial Credit Union does not offer term share certificates to other financial institutions. All dividends are paid monthly. A six-month penalty may be imposed for early withdrawal.
Offer: Minimum balance required to earn the corresponding APY. Dividends paid monthly. Funds must be left to compound for one year to earn full APY.
3.83% interest rate · Effective Oct 1, 2025
Rate checked
More details - 3.90%APY$324 over 10 months on $10,000intro rate
Requirements
Product: For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.
Offer: Interest compounded and paid quarterly. No minimum balance required to earn APY.
Promotional rate · 3.84% interest rate · Effective Sep 29, 2026
Rate checked
More details - Select Employees Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.90%APY$390 over 1 year on $10,000Requirements
Product: Select 50 Club Members receive .05% higher dividend rate on all CDs. Penalties for early withdrawal.
Offer: Minimum balance required to receive dividends is $1,000.00.
3.83% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of October 16, 2026 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
Offer: Minimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers.
Promotional rate · 3.83% interest rate · Effective Oct 16, 2026
Rate checked
More details - Bloomington Municipal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.87%APY$387 over 1 year on $10,000Requirements
Product: Minimum balance $1000 required. Penalty for early withdrawal.
Offer: Minimum balance $1000 required.
3.80% interest rate · Effective Oct 22, 2025
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
Offer: Published as 7 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of October 10, 2026. CD product page also describes Special Certificate details and asks callers to inquire about the current special term.
Promotional rate · 3.85% interest rate · Effective Oct 10, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
Offer: PROMO 7 mo Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
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More details - 3.85%APY$223 over 7 months on $10,000intro rate
Promotional rate · 3.78% interest rate · Effective Sep 29, 2026
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More details - 3.85%APY$352 over 11 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. A minimum balance of $5,000.00 is required to obtain the stated APY.
Offer: A penalty may be imposed for early withdrawal. A minimum balance of $5,000.00 is required to obtain the stated APY.
Promotional rate · 3.80% interest rate · Effective Jul 1, 2026
Rate checked
More details - United Trust BankCertificates of DepositsCD · 12 months · $3,000 min · 3.85%–4.05% by balance
Bank · 1 branch
3.85%APY$385 over 1 year on $10,000intro rateRequirements
Product: Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.
Offer: 12 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposits Balance APY $3,000 – $75,000Your amount 3.85% $75,000 – $250,000 4.05% Rate checked
More details - 3.85%APY$418 over 13 months on $10,000intro rate
Requirements
Product: CD accounts are fee free; however, substantial penalties will apply for early withdrawals. APY based on quarterly compounding. Monthly interest checks available for CDs of $25,000 and over; monthly compounding available for CDs of $95,000 and over. Automatically renews at prevailing rate and APY for the same term.
Offer: 13 Month CD Special
Promotional rate · 3.80% interest rate · Effective Feb 7, 2023
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 10 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.84%APY$190 over 6 months on $10,000
Requirements
Offer: APY is based on quarterly compounding and assumes that all interest remains in the account and the rate does not change for one year.
3.80% interest rate · Effective May 15, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Limited to $1,000,000.00 per account type per household or controlled entity. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Balance limited to $1,000,000.00 per account type per household or controlled entity.
3.75% interest rate · Balance cap $1,000,000 · Effective Jun 3, 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 Illinois
2,748 CDs at 307 banks and credit unions · checked Oct 16–23
- Typical
- 2.57%
- Top 10% from
- 4.00%
- Banks, typical
- 2.22%
- Credit unions, typical
- 3.00%
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Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch