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 226–240 results in Illinois
- First Federal Savings BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · 11 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply (90 days interest for terms <= 1 year; 180 days interest for terms > 1 year). Auto-renewable at interest rate in effect on renewal date.
Offer: Compounded monthly.
3.60% interest rate · Compounded monthly
Rate checked
More details - 3.65%APY$90 over 3 months on $10,000
Requirements
Offer: Early withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate.
3.60% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.65%APY$334 over 11 months on $10,000intro rate
Requirements
Product: 11 month CD reinvests as a 12 month CD. Penalty for early withdrawal.
Offer: 11 month CD reinvests as a 12 month CD. Penalty for early withdrawal. Assumes quarterly compounding and that interest will remain on deposit until maturity.
Promotional rate · Effective Oct 6, 2026
Rate checked
More details - 3.65%APY$552 over 18 months on $10,000intro rate
Requirements
Product: Must be funded with new money (funds transferred from other accounts with Murphy-Wall State Bank and Trust Company are not considered new money). Consumers only (must be held in consumer ownership; businesses and other legal entities are not eligible). Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Penalty may be imposed for early withdrawal.
Promotional rate · 3.62% interest rate · Effective May 13, 2026
Rate checked
More details - 3.64%APY$1,132 over 36 months on $10,000intro rate
Requirements
Product: Low minimum balance of $500 to open. Penalty for early withdrawal.
Offer: Paid at maturity.
Promotional rate · 3.64% interest rate
Rate checked
More details - 3.60%APY$148 over 5 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 5 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of September 12, 2026. CD product page also describes a 6 Month Total T Special with the same features and asks callers for the current special term.
Promotional rate · 3.60% interest rate · Effective Sep 12, 2026
Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 6 months
3.54% interest rate · Effective Dec 1, 2025
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Offer: 7 Month Certificate Special
Promotional rate · 3.57% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.60%APY$330 over 11 months on $10,000
Requirements
Product: $5,000.00 minimum to open and earn APY. Early withdrawal is subject to penalty.
Offer: $5,000.00 minimum to open and earn APY. Early withdrawal subject to penalty.
Effective Sep 1, 2026
Rate checked
More details - Abri Credit UnionShare Certificate Accounts (CD's)CD · 11 months · $5,000 min
Credit union · 8 branches
3.60%APY$330 over 11 months on $10,000intro rateRequirements
Product: Dividends are compounded and paid monthly based on the average daily balance. Early withdrawal penalties apply (less than 24 months: 90 days dividends; 24 to 36 months: 120 days dividends; 48 months or greater: 180 days dividends). 7-day grace period at maturity.
Offer: Limited time Certificate Special.
Promotional rate
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
Requirements
Product: $1,000 Minimum Initial Deposit. Automatically renewable. Terms are 30 Days to 5 Years. For terms less than 31 days, interest is credited at maturity; for all other terms, interest is compounded & credited monthly. Early withdrawal penalty applies.
3.50% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: One year term. May be renewed yearly. Penalty for early withdrawal. Rates are subject to change.
Offer: May be renewed yearly. Penalty for early withdrawal.
3.50% interest rate · Effective Feb 20, 2026
Rate checked
More details - Acme Continental Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · 1 branch
3.56%APY$539 over 18 months on $10,000Requirements
Product: Subject to penalties for early withdrawals.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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
* 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