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 271–285 results in Illinois
- 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Applicable to consumers only. No Individual Retirement Accounts (IRAs). Unlimited deposits of $1,000 or more allowed during the initial term.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)24 Month CDCD · 24 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$712 over 24 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 24 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.50%APY$1,087 over 36 months on $10,000
Requirements
Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.
3.44% interest rate
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)36 Month CDCD · 36 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.49%APY$261 over 9 months on $10,000
Requirements
Product: Early withdrawals on CDs are subject to penalty and may affect the annual percentage yields. Fees charged may reduce earnings.
Offer: Special rate. Early withdrawals are subject to penalty.
3.45% interest rate · Effective May 15, 2025
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Early withdrawals subject to penalty. Monthly compounding. Minimum deposit to open is $500. No setup or maintenance fees. Available at all Peoples National Bank locations. Trade Up option available one-time during initial term on Trade-Up CDs. 3 in 1 CD allows adding funds anytime and penalty-free withdrawals.
Offer: CD Special. Monthly compounding. Minimum deposit to open and obtain the APY is $500. Early withdrawal penalty may apply.
Effective Sep 29, 2026
Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-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 - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
Rate checked
More details - Peoria Hiway CUShare Certificates of DepositCD · 24 months · $1,000 min · 3.44%–3.75% by balance
Credit union · 1 branch
3.44%APY$700 over 24 months on $10,000Requirements
Product: Minimum Share Certificate investment - $1,000.00 Regular Share Certificates, $50,000.00 Jumbo Share Certificates. Early Withdrawal Penalties Apply. Dividends are Compounded and Credited Quarterly. Dividend Period is Quarterly.
3.40% interest rate
Rate by balance
Rate by balance for Share Certificates of Deposit Balance APY Any balanceYour amount 3.44% $50,000 and upJumbo (>$50,000) 3.75% Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 2026
Rate checked
More details - 3.40%APY$170 over 6.066666666666666 months on $10,000
Requirements
Product: Interest is compounded daily and credited monthly on all certificates. A penalty may be imposed for early withdrawal. For as little as $500, you can open your CD.
Offer: 182 days term. Penalty applied for early withdrawal based on length of term.
3.34% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · 1 branch
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Interest compounded daily. Early withdrawal penalties apply.
Offer: Interest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs.
3.30% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$81 over 3 months on $10,000intro rate
Requirements
Product: Accepting new funds only. Must indicate deposit is for Preferred Shares. Rate to be paid at end of quarter (9-30-2026). Entire account balance withdrawal permitted after end of term with 30 days notice before end of quarter. Automatic renewal for next quarter unless withdrawn during 10-day grace period.
Offer: Accepting new funds only. Rate to be paid at end of quarter 9-30-2026. 30 days notice before end of quarter required for withdrawal. 10-day grace period after quarter end.
Promotional rate · 3.25% interest rate
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
2,754 CDs at 306 banks and credit unions · checked Oct 22–24
- Typical
- 2.61%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.01%
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