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 406–420 results in Illinois
- 1.26%APY$190 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity.
1.25% interest rate
Rate checked
More details - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (1 year) Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up$100k+ balance tier. 1.35% Rate checked
More details - Parkway Bank & Trust CompanyCertificate of Deposit Special 13-Month ($5,000 Min)CD · 13 months · $5,000 min
Bank · 23 branches
1.25%APY$135 over 13 months on $10,000intro rateRequirements
Product: Limited-time promotional CD offer. New money only. $5,000 minimum deposit to open. IRAs and commercial accounts are not eligible. Interest compounded daily and paid annually. Automatically renews at maturity into a 12-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.
Offer: Limited-time offer. New money only. Automatically renews at maturity into a 12-month CD at the then current rate. IRAs and commercial accounts not eligible. Early withdrawal penalty applies. Interest compounded daily and paid annually.
Promotional rate · Compounded daily · Effective Aug 8, 2022
Rate checked
More details - 1.25%APY$641 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Fixed rate CD terms. Subject to credit qualifications. Early withdrawal penalties may apply.
Offer: Visit branch to open.
1.25% interest rate · Effective Sep 30, 2026
Rate checked
More details - 1.25%APY$641 over 60 months on $10,000
Requirements
Product: For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.
Offer: Interest compounded and paid quarterly. No minimum balance required to earn APY.
1.25% interest rate · Effective Sep 29, 2026
Rate checked
More details - Financial Plus Credit UnionShare CertificateCD · 12 months · $500 min · 0.25%–1.24% by balance
Credit union · 5 branches
1.24%APY$124 over 1 year on $10,000Requirements
Product: Automatically renewable. Earnings will be paid directly to the member, added to regular shares, or added to principal. Penalties apply for early withdrawal.
Offer: Small Saver certificate.
Effective Jan 8, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 0.25% $1,000 and upYour amount 1.24% Rate checked
More details - The First National Bank in TremontCertificates of DepositCD · 3 months · $1,000 min
Bank · 4 branches
1.22%APY$30 over 3 months on $10,000Requirements
Product: Terms from 3 months up to 3 years. Rates subject to change without notice. Interest is compounded and credited quarterly. Rates are fixed for the initial term. Early withdrawal penalties apply. Account fees could reduce earnings. Minimum balance is required to obtain the stated APY.
1.21% interest rate · Effective Oct 16, 2026
Rate checked
More details - 1.22%APY$245 over 24 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.22%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal.
Promotional rate · 1.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - Decatur Earthmover Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Credit union · 4 branches
1.21%APY$121 over 1 year on $10,000Requirements
Product: Dividends can be paid monthly and reinvested, mailed monthly, paid at maturity, or other combinations. No deposits or withdrawals allowed. Early withdrawal penalty is twelve months of dividends (or accounts closed prior to payment results in loss of accrued dividends) but will not cause loss of initial deposit. Interest is compounded monthly.
1.20% interest rate · Compounded monthly
Rate checked
More details - 1.20%APY$615 over 60 months on $10,000
Requirements
Product: Rate are accurate as of 10/23/26. Rates Subject to Change Without Notice. APY (Annual Percentage Yield)
Offer: Compounded Monthly. Minimum to Earn APY: $10.
1.19% interest rate · Compounded monthly · Effective Oct 23, 2026
Rate checked
More details - Parkway Bank & Trust CompanyCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · 23 branches
1.20%APY$615 over 60 months on $10,000Requirements
Product: Fixed rates; automatically renews at maturity. Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 60 Month CD. Penalty for early withdrawal applies.
1.19% interest rate · Effective Oct 16, 2026
Rate checked
More details - First National Bank of Brownstown12 Month Certificate of DepositCD · 12 months · $1,000 min
Bank · 1 branch
1.15%APY$115 over 1 year on $10,0001.15% interest rate · Effective Sep 29, 2026
Rate checked
More details - First National Bank of Brownstown24 Month Certificate of DepositCD · 24 months · $1,000 min
Bank · 1 branch
1.15%APY$231 over 24 months on $10,0001.15% interest rate · Effective Sep 29, 2026
Rate checked
More details - 1.10%APY$562 over 60 months on $10,000
Requirements
Product: Rate are accurate as of 10/23/26. Rates Subject to Change Without Notice. APY (Annual Percentage Yield)
Offer: Compounded Monthly. Minimum to Earn APY: $10.
1.09% interest rate · Compounded monthly · Effective Oct 23, 2026
Rate checked
More details - 1.10%APY$562 over 60 months on $10,000
Requirements
Product: Consumer CDs; $500 opening encouraged; bonus rates at $25,000 or more; online account opening available; APY for CDs opened online matches the $500 minimum-deposit schedule; substantial early-withdrawal penalty; if some funds are withdrawn before maturity, the rate on remaining funds may be reduced to the current applicable CD rate.
Offer: Minimum deposit to open $500.
1.10% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 1.10% $25,000 and upMinimum deposit to open $25,000. 1.30% 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%
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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