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 46–60 results in Illinois
- CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATIONCertificates of Deposit - SpecialsCD · 7 months · $2,500 min
Bank · 3 branches
4.25%APY$246 over 7 months on $10,000intro rateRequirements
Product: Rates are effective as of September 22, 2026 and subject to change without notice. Penalties for early withdrawals may be imposed. Fees may reduce earnings.
Offer: Funds to open account must be new money, defined as money not currently held at Central Federal. Funds cannot be transferred from or a check drawn from a Central Federal account to fund the account.
Promotional rate · 4.16% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Limited-time promotional CD offer. Minimum investment $1,000. IRAs and commercial accounts are not eligible. Interest will not be compounded and will be posted at maturity. Automatically renews at maturity into a 6-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.
Offer: Limited-time offer. Automatically renews at maturity into a 6-month CD at the then current rate. IRAs and commercial accounts are not eligible. Early withdrawal penalty applies. Interest will not be compounded; posted at maturity.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited time CD Rate Special. Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Offer: Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Promotional rate · Compounded quarterly · Effective Sep 17, 2026
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More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: No penalty for early withdrawal. Minimum of $1,000 to open and obtain APY.
4.18% interest rate
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 141 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Must be eligible and qualify for membership at Verve, a Credit Union; purchase and maintain 1 share at par value of $5.00 in a savings account. Penalty for early withdrawal.
Offer: Special rate certificate. Dividends compound monthly. Automatic renewal upon maturity.
Promotional rate · 4.17% interest rate · Effective Sep 23, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.21% interest rate
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More details - 4.25%APY$681 over 19 months on $10,000with conditions
Requirements
Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Automatically renews into an 18 month CD at maturity.
Offer: Includes 0.20% bonus for opening and/or maintaining a FFBT checking account with a $1,000 minimum daily balance therein.
Qualified rate · Balance cap $250,000 · Effective Oct 5, 2026
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More details - 4.25%APY$793 over 22 months on $10,000intro rate
Requirements
Product: Yields based on a $1,000 Share Certificate with all dividends remaining in account to compound. Minimum balance for Term Certificate is $500.00. Penalty may apply for early withdrawal. Limited time offer.
Offer: 22 Month Certificate Special. $500 minimum; no maximum. Renews for 24 months. Early withdrawal penalty may apply. Limited time offer.
Promotional rate · 4.17% interest rate · Effective Oct 10, 2026
Rate checked
More details - 4.25%APY$1,020 over 28 months on $10,000intro rate
Requirements
Product: Fees may reduce earnings. Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest.
Offer: Fees may reduce earnings. Substantial penalty for premature withdrawal.
Promotional rate · 4.20% interest rate · Effective Oct 7, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000with conditions
Requirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026.
Qualified rate · 4.25% interest rate · Effective Oct 10, 2026
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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
2,750 CDs at 307 banks and credit unions · checked Oct 16–22
- 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