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 286–300 results in Illinois
- 3.30%APY$164 over 6 months on $10,000
3.25% interest rate
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Offer: No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. 6 month CD will renew into the same 6 month term with rate determined at time of renewal.
Effective Aug 24, 2026
Rate checked
More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Harvard Community Credit UnionCertificates of DepositCD · 9 months · $1,000 min
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000with conditionsRequirements
Product: CD Rates may change at any time with or without notice. We will match any competitor's CD rates upon proof of rate, same requirements, however ONLY WITHIN OUR MEMBERSHIP AREA.
Qualified rate · 3.25% interest rate
Rate checked
More details - 3.30%APY$274 over 10 months on $10,000intro rate
Requirements
Product: Promotional CD specials. A penalty may be imposed for early withdrawal. Rates subject to change without notice.
Offer: CD Special; min. balance to earn APY $1,000.00.
Promotional rate · 3.25% interest rate · Effective Jun 6, 2026
Rate checked
More details - Funeral Service Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.20%–3.45% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Terms range from 6 months up to 60 months. $1,000 minimum to open. Interest/dividends paid at maturity for terms up to 1 year, and twice annually (6/30 & 12/31) for 2 and 3 year certificates. Dividend checks may be mailed or transferred to a designated account. Certificates can be used as collateral to secure a lower loan rate.
Offer: Interest paid at maturity.
3.15% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.20% $10,000 and upYour amount 3.30% $50,000 and up 3.35% $99,000 and up 3.45% Rate checked
More details - Maroon Financial Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Fixed rates; higher rates for longer terms. No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Early withdrawal penalty for CDs with terms greater than 6 months is 180 days worth of interest.
3.25% interest rate · Effective Jul 28, 2026
Rate checked
More details - U of I Community Credit Union33-Month Add-on CertificateCD · 33 months · $100 min
Credit union · 8 branches
3.30%APY$934 over 33 months on $10,000Requirements
Product: Limit one per person. Minimum opening deposit $100. Additional deposits allowed during term with a minimum of $25. Total balance may not exceed $100,000; excess funds moved automatically to primary share account. No Loyalty Checking bonus. At maturity converts to a 36 month Silver Share Certificate. Early withdrawal penalty of 180 day dividend.
Offer: Limit one per person. Minimum $100 opening deposit, $25 minimum add-on deposit, maximum balance $100,000. Early withdrawal penalty of 180 day dividend.
3.26% interest rate · Balance cap $100,000
Rate checked
More details - 3.29%APY$163 over 6 months on $10,000
Requirements
Offer: Penalty for early withdraw
3.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - ABD Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.29%–4.06% by balance
Credit union · 1 branch
3.29%APY$329 over 1 year on $10,000Requirements
Product: All accounts must maintain the minimum balance stated to receive dividends. A penalty equal to 90 days interest may apply for early withdrawal on Certificate of Deposit Accounts. Dividends are paid quarterly starting from the issue date.
3.25% interest rate · Effective Nov 25, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.29% $50,000 and up 4.06% Rate checked
More details - 3.29%APY$357 over 13 months on $10,000
Requirements
Product: Minimum initial deposit is $500.00. Certificates withdrawn prior to maturity date may be subject to early withdrawal penalty, which may reduce earnings. APY assumes interest remains on deposit until maturity.
Offer: Special certificate offer. Interest paid quarterly.
3.25% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.29%APY$843 over 30 months on $10,000
Requirements
Product: Must come in to bank to complete account opening process. Substantial penalty for early withdrawal.
Offer: Interest Compounded Quarterly; 6 Month Interest Penalty
3.25% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - 3.28%APY$356 over 13 months on $10,000
Requirements
Product: Available on both new and renewal accounts. APY assumes all interest remains on deposit until maturity; withdrawal of interest will reduce earnings. A penalty may apply for early withdrawal. Fees may reduce earnings on the account.
3.25% interest rate · Effective Apr 1, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)6 Month CDCD · 6 months · $1,000 min · 2.50%–3.50% by balance
Credit union · 1 branch
3.25%APY$161 over 6 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.
2.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 6 Month CD Balance APY $1,000 and up 2.50% $10,000 and upYour amountMinimum deposit $10,000. 3.25% $50,000 and upMinimum deposit $50,000. 3.50% 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 22–23
- 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