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 346–360 results in Illinois
- 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
Rate checked
More details - 2.75%APY$848 over 36 months on $10,000
Requirements
Product: Minimum deposit of $500 required to open. Dividends are paid monthly. Early withdrawal penalty of 90 days of dividends may apply.
Offer: Subject to an early withdrawal penalty of 90 days of dividends.
2.71% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.73%APY$273 over 1 year on $10,000intro rate
Requirements
Product: Rates may change after account is opened. Minimum balance to open and maintain APY applies. Early withdrawal penalties may apply per individual contract terms.
Offer: 1-Year Term
2.70% interest rate · Effective Aug 25, 2026
Rate checked
More details - 2.69%APY$292 over 13 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: 13 Month Certificate. Minimum balance to open and obtain APY is $2,500.00.
2.65% interest rate · Effective Dec 26, 2025
Rate checked
More details - The First National Bank of NokomisCertificates of DepositCD · 48 months · $1,000 min
Bank · 4 branches
2.67%APY$1,112 over 48 months on $10,000Requirements
Product: Automatically renewable. Fixed interest rates for original term. Interest rate changes can occur at maturity. Assumes interest added to deposit upon payment, withdrawal of interest will reduce future earnings and stated yield. Early withdrawals result in an early withdrawal penalty.
Offer: 48 Month CD. APY calculated based on a term of 365 days.
2.65% interest rate · Effective Jul 15, 2026
Rate checked
More details - Metro Federal Credit UnionPayroll Share Certificate - Funded by Payroll Deposit OnlyCD · 48 months · $0 min
Credit union · 1 branch
2.63%APY$1,094 over 48 months on $10,000Requirements
Product: Funded by Payroll Deposit Only. Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to penalty. 7-day grace period on maturity.
Rate checked
More details - Peoples Bank of Kankakee County48 Month CDCD · 48 months · $5,000 min · 2.55%–2.75% by balance
Bank · 3 branches
2.55%APY$1,060 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: APY assumes quarterly compounding and that interest will remain on deposit until maturity. Penalty for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for 48 Month CD Balance APY $5,000 – $100,000Your amount 2.55% $100,000 and up 2.75% Rate checked
More details - 2.53%APY$600 over 28 months on $10,000
Requirements
Product: Fixed rates, higher than standard savings. Early withdrawals subject to penalty. Interest may be credited to account or paid by check (monthly or at maturity for 3-9 months; monthly, quarterly, or semi-annually for 12-60 months). APYs for terms 12 months and greater are based on quarterly compounding.
Offer: Minimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000.
2.51% interest rate · Effective Sep 29, 2026
Rate checked
More details - 2.52%APY$62 over 3 months on $10,000intro rate
Requirements
Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Promotional rate · 2.50% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.52%APY$1,325 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Automatic renewal with 10-day grace period after maturity.
Offer: Interest frequency is 6 months. Early withdrawal penalty is 365 days.
2.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 2.50%APY$145 over 7 months on $10,000
Requirements
Product: Fixed rate of interest during term until maturity. Rates based upon term upon opening or renewal. Early withdrawal penalty may apply. Service fees may reduce APY. New deposit customers restricted to in person visits to one of locations.
2.44% interest rate · Effective Feb 10, 2026
Rate checked
More details - Peoples Bank of Kankakee County24 Month CDCD · 24 months · $5,000 min · 2.50%–2.70% by balance
Bank · 3 branches
2.50%APY$506 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: APY assumes quarterly compounding and that interest will remain on deposit until maturity. Penalty for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for 24 Month CD Balance APY $5,000 – $100,000Your amount 2.50% $100,000 and up 2.70% Rate checked
More details - Peoples Bank of Kankakee County36 Month CDCD · 36 months · $5,000 min · 2.50%–2.70% by balance
Bank · 3 branches
2.50%APY$769 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: APY assumes quarterly compounding and that interest will remain on deposit until maturity. Penalty for early withdrawal.
Effective Oct 6, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $5,000 – $100,000Your amount 2.50% $100,000 and up 2.70% Rate checked
More details - 2.48%APY$1,303 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Rates subject to change without notice. Interest payments made according to customer preference: add back to face value, receive a monthly check, or deposited to checking or savings account.
2.45% interest rate · Effective Mar 22, 2023
Rate checked
More details - 2.47%APY$1,298 over 60 months on $10,000
Requirements
Product: Interest is paid quarterly or at maturity. CDs may be automatically renewed. Terms range from 90 days (3 months) to 5 years. No setup or maintenance fees.
Offer: A penalty may be imposed for early withdrawal. APY compounded quarterly.
2.45% interest rate · Compounded quarterly · Effective Oct 6, 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
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