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 196–210 results in Illinois
- 3.79%APY$411 over 13 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $1,000. Annual APY listed above is an estimate.
Offer: Rates effective as of 10/16/2026. APY assumes principal and interest remain on deposit for a whole year. Penalties may be imposed for early withdrawal.
3.75% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.79%APY$574 over 18 months on $10,000
Requirements
Product: Penalties may apply for early withdrawal. Businesses are not eligible.
Offer: 18 Month CD
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.76%APY$376 over 1 year on $10,000
Requirements
Product: Automatically renews at current bank rate at maturity. Substantial penalty for early withdrawal.
Offer: APY assumes interest remains on deposit until maturity.
3.70% interest rate · Effective Sep 30, 2026
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More details - 3.75%APY$186 over 6 months on $10,000
Rate checked
More details - American Broadcast Employees FCUInvestment Share CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.75%APY$186 over 6 months on $10,000Requirements
Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.
Effective Sep 23, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal.
Offer: Compounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month.
3.70% interest rate · Compounded quarterly · Effective Sep 15, 2026
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More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Automatically renewable. Interest rate may be compounded or paid directly to checking/savings. A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal.
Effective Jul 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Must be opened with new money, not already on deposit with Old Second National Bank. Minimum balance to open and obtain APY is $1,000. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month or 11 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made to the CD during the term. Fees could reduce earnings on the account. CD will automatically renew for a 7 month or 11 month fixed term at the rates and terms then in effect. 7 month and 11 month CDs not available for IRAs.
Offer: Must be opened with new money, not already on deposit with Old Second National Bank. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made during term. Fees could reduce earnings. CD will automatically renew for a 7 month fixed term. Not available for IRAs.
Promotional rate · 3.70% interest rate · Balance cap $1,000,000 · Effective Oct 6, 2026
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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 - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 10 branches
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Requires minimum monthly deposit of $25 automatically transferred from an existing FNB Olney account per customer request. Fixed rate, automatically renewable. Compounded at maturity / annually. Early withdrawal penalty: 6 months interest plus $25 calculation fee.
Offer: Compounding frequency: Annually / at maturity. Requires $25 minimum monthly deposit via automatic transfer from an existing FNB Olney account.
Qualified rate · 3.75% interest rate · Effective Sep 15, 2026
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More details - Prairie Community BankCertificates of Deposit Promotional RatesCD · 13 months · $1,000 min
Bank · 4 branches
3.75%APY$407 over 13 months on $10,000intro rateRequirements
Product: Promotional rates for Certificates of Deposit. Automatically renewable at maturity. 10-day grace period following maturity to withdraw without penalty. Early withdrawal penalty applies.
Offer: Promotional rate. Early withdrawal penalty applies.
Promotional rate · 3.70% interest rate · Effective Sep 17, 2026
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More details - 3.75%APY$439 over 14 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 · 3.70% interest rate · Effective Sep 29, 2026
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More details - 3.75%APY$471 over 15 months on $10,000intro rate
Requirements
Product: Requires $1,000.00 to open & interest is paid monthly. No minimum balance to earn APY*. Rates are subject to change at any time. Substantial penalty for early withdrawal.
Offer: 15 Month Special Rate. 15 Month special does not apply to IRAs.
Promotional rate · 3.69% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
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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 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