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 211–225 results in Illinois
- 3.75%APY$731 over 23 months on $10,000
Requirements
Product: Individual Retirement Accounts (IRAs) do not qualify for these rates.
Offer: Individual Retirement Accounts (IRAs) do not qualify for these rates.
3.70% interest rate · Effective Jul 24, 2026
Rate checked
More details - 3.75%APY$1,587 over 48 months on $10,000
Requirements
Product: Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.
Offer: 48 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest.
3.70% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.74%APY$406 over 13 months on $10,000with conditions
Requirements
Product: Interest compounded and credited annually. Penalty for early withdrawal. Rates current as of 10/6/2026.
Offer: Relationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period.
Qualified rate · 3.74% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.73%APY$187 over 6.066666666666666 months on $10,000intro rate
Requirements
Product: Substantial penalty on early withdrawal. Rates effective September 23, 2026 through September 29, 2026. Rates subject to change.
Offer: Term: 182 Day. Minimum Balance to Obtain APY: $500.
Promotional rate · 3.70% interest rate · Effective Sep 23, 2026
Rate checked
More details - Morton Community BankCertificate SpecialsCD · 14 months · $10,000 min · 3.73%–3.79% by balance
Bank · 48 branches
3.73%APY$437 over 14 months on $10,000intro rateRequirements
Product: Rates apply to consumer deposits only. Rates may be unavailable in counties where the Bank does not maintain a branch facility. Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal.
Offer: Under $100,000. $10,000 minimum deposit. Upon maturity 14 month special will renew at current 12-month rate.
Promotional rate · 3.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY Up to $100,000Your amount 3.73% $100,000 and up$100,000 and Over. 3.79% Rate checked
More details - 3.71%APY$403 over 13 months on $10,000
Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: Minimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members.
3.65% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$183 over 6 months on $10,000intro rate
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. The CD specials may renew into different lengths of maturity upon renewal.
Offer: Compounded Quarterly, paid Quarterly. Early withdrawal interest penalty: 3 Month. May renew into different lengths of maturity upon renewal.
Promotional rate · 3.65% interest rate · Compounded quarterly · Effective Sep 15, 2026
Rate checked
More details - 3.70%APY$214 over 7 months on $10,000intro rate
Requirements
Product: Must be 18 years of age to open. Penalty will be assessed for early withdrawal.
Offer: 7 Month Promo. Automatically renewed for 182 days (6 months) on maturity date. Daily Minimum Ledger Balance to earn APY is $1,000.00.
Promotional rate · 3.67% interest rate · Effective Dec 11, 2025
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: We are not accepting financial institution's deposits at this time. A penalty will or may be imposed for early withdrawal.
Offer: Early withdrawal penalty is 365 days.
3.64% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.70%APY$401 over 13 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings. Not valid for IRA's. All accounts compounded quarterly and automatically renew. These rates are effective through October 22, 2026.
Offer: $5,000 Minimum Opening and $250,000 Maximum Deposit. All accounts compounded quarterly and automatically renew. Penalty for early withdrawal. Not valid for IRA's.
Promotional rate · Compounded quarterly · Balance cap $250,000
Rate checked
More details - 3.70%APY$401 over 13 months on $10,000intro rate
Requirements
Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.
Offer: In-branch rate special; limited time offer
Promotional rate
Rate checked
More details - 3.70%APY$560 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Returns may be higher than regular savings for the length of the term. Terms range from 3 months to 5 years. Early withdrawal penalties apply. FDIC insured up to $250,000.
Offer: Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding.
3.65% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.67%APY$182 over 6 months on $10,000
Requirements
Product: Dividends calculated daily, paid quarterly. Available terms: 3 to 60 months.
3.60% interest rate · Effective Jun 30, 2026
Rate checked
More details - Raritan State BankCertificates of DepositCD · 12 months · $1,000 min · 3.67%–3.98% by balance
Bank · 3 branches
3.67%APY$367 over 1 year on $10,000Requirements
Product: Automatically renewable CDs are available. Interest on 91 and 182 day CDs is paid at maturity only. On all other terms, interest may be paid monthly, quarterly, semi-annually, or annually. Penalty assessed for early withdrawal of funds.
Offer: 12 Month CD.
3.60% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $25,000Your amount 3.67% $25,000 – $50,000 3.77% $50,000 – $100,000 3.87% $100,000 and up 3.98% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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