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 31–45 results in Illinois
- International Bank of ChicagoCertificate of DepositCD · 12 months · $1,000 min · 1.50%–4.35% by balance
Bank · 5 branches
4.35%APY$435 over 1 year on $10,000Requirements
Offer: Credit frequency: Quarterly. Early withdrawal penalty may apply.
1.49% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and up 1.50% $5,000 – $500,000Your amountPromotional rate. Applies to customers opening new accounts at Branches in Illinois. Eligible for IRAs. Not available to brokers or financial institutions. $5,000 minimum to open and to obtain promotional rate. Funds must be new to International Bank of Chicago based on customer's total balances as of 09/18/2026. 4.35% Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.27% interest rate · Balance cap $5,000,000 · Effective Sep 22, 2026
Rate checked
More details - 4.35%APY$889 over 24 months on $10,000
Requirements
Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.
Offer: Requires Diamond Relationship Package Qualifications.
Effective Oct 5, 2026
Rate checked
More details - 4.35%APY$2,865 over 71 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance to earn interest is $1,000.
4.28% interest rate · Effective Oct 16, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 11 branches
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% Rate checked
More details - 4.33%APY$396 over 11 months on $10,000intro rate
Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalty applies and reduces earnings. Federally insured up to $250,000.
Offer: Special 11-month certificate. Funds must be new money derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts transferred no more than 30 days prior to establishment.
Promotional rate · 4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chicago Firefighters Credit UnionShare CertificateCD · 12 months · $10,000 min
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000Requirements
Product: Share rates effective as of October 1, 2026. All share and loan rates are subject to change at any time at the discretion of the Board of Directors. Fees could reduce the earnings on accounts. Withdrawals made prior to maturity are subject to loss of dividend days specified in offer.
Offer: Withdrawals made prior to maturity are subject to a loss of 120 days dividend
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.33%APY$1,848 over 48 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Minimum balance $200 required for standard terms. Tiered balance threshold is $20,000.
Offer: Variable rate.
4.26% interest rate · Effective Sep 16, 2026
Rate checked
More details - HealthCare Associates Credit UnionCertificatesCD · 13 months · $500 min · 4.30%–4.50% by balance
Credit union · 4 branches
4.30%APY$467 over 13 months on $10,000Requirements
Product: $500 minimum to open an account. Compounded monthly, paid monthly. Penalties apply for early withdrawal. Rates effective as of 10/01/2026.
Offer: At maturity, 13-month certificates will automatically renew for a term of 12 months at the prevailing rate. Limited Time Offer.
4.22% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 – $24,999Your amount 4.30% $25,000 and up 4.50% Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - First National Bank in TaylorvilleCertificates of DepositCD · 15 months · $1,000 min
Bank · 2 branches
4.30%APY$540 over 15 months on $10,000Requirements
Product: Automatically renewable. Interest may be compounded, paid directly to another FNBT deposit account, or paid by check. A penalty may be imposed for early withdrawal.
Offer: Special Rate. Minimum Daily Balance of $1,000.00 required to obtain APY.
4.22% interest rate · Effective Oct 2, 2026
Rate checked
More details - First Federal Savings Bank of MascoutahCertificate of DepositsCD · 60 months · $1,000 min
Bank · 3 branches
4.27%APY$2,325 over 60 months on $10,000Requirements
Product: An early withdrawal penalty may apply. APY shown is paid on the entire balance in the account.
Offer: 60 Months CD. Compounding frequency: Quarterly. Early withdrawal penalty: 273 days of Interest.
4.20% interest rate · Effective Oct 8, 2026
Rate checked
More details - Rock Valley Credit UnionCertificates (CDs) - PromotionalCD · 6 months · $1,000 min
Credit union · 4 branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: $25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. The 15 month and 6 month Certificates are nonrenewable.
Offer: The 15 month and 6 month Certificates are nonrenewable.
4.17% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000intro rate
Requirements
Product: All certificates require a $5 minimum opening balance and a $5 Membership Share account. A penalty may be imposed for early withdrawal. Federally insured by NCUA.
Offer: 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Early withdrawal penalty may apply.
Promotional rate · Effective Aug 12, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 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
2,750 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%
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