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 451–465 results in Illinois
- 0.40%APY$40 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
0.40% interest rate
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 23, 2026
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More details - 0.35%APY$88 over 30 months on $10,000
Requirements
Product: CD is not IRA eligible. Additions of any amount permitted at any time.
Offer: 2 1/2-year term. Interest compounds quarterly. Additions of any amount permitted at any time. Not IRA eligible.
0.35% interest rate · Effective Oct 15, 2026
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More details - 0.35%APY$212 over 72 months on $10,000
Requirements
Product: Terms from 91 days to 72 months; opening balances as low as $500 on some terms. Interest compounded daily on terms greater than 182 days. Interest paid by compounding, internal transfer to a CB&L account, direct deposit, or check. Early-withdrawal penalty may be waived for nursing-home withdrawals with proper documentation; a penalty may otherwise apply. Rates subject to change without notice.
Offer: 72 Month Certificate; min. balance to earn APY $500.00.
0.35% interest rate · Compounded daily · Effective Jun 6, 2026
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More details - 0.30%APY$17 over 7 months on $10,000
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.
0.30% interest rate · Effective Oct 14, 2026
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More details - First Bank & Trust of MurphysboroCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · 1 branch
0.30%APY$90 over 36 months on $10,000Requirements
Product: *Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. The early withdraw penalty for CD’s 12 months or less is three months (90 Days) simple interest. The early withdraw penalty for CD’s more than 12 months is six months (180 Days) simple interest. See your notice of penalty for early withdrawal for more information.*
Offer: Duration: 36 Months
0.30% interest rate · Effective Aug 31, 2026
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More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 0.25%APY$12 over 6 months on $10,000
Requirements
Product: Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
0.25% interest rate
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More details - 0.25%APY$21 over 10 months on $10,000
Requirements
Product: Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
0.25% interest rate · Effective Oct 16, 2026
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 23, 2026
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More details - 0.25%APY$126 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawals. To open a CD please visit one of our branches.
Offer: Penalty may be imposed for early withdrawal.
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.20%APY$5 over 3 months on $10,000
Requirements
Product: Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
0.20% interest rate
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More details - 0.20%APY$20 over 1 year on $10,000
Requirements
Product: Additional deposits are allowed. 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: Additional deposits are allowed. Dividends compound monthly.
0.20% interest rate · Effective Sep 23, 2026
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More details - 0.15%APYintro 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 · 0.15% interest rate · Effective Oct 14, 2026
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More details - Great Lakes Credit UnionSave to Win Share CertificateCD · 12 months · $25 min
Credit union · 19 branches
0.15%APY$15 over 1 year on $10,000Requirements
Product: Must maintain average daily balance of $25 to earn the stated dividend. One withdrawal allowed during term with $25 penalty; certificate closes if balance falls below minimum or on second withdrawal. Additional deposits allowed during term. Each $25 month-over-month balance increase earns raffle entry.
Offer: Must maintain average daily balance of $25 to earn dividend. Compounded daily, posted monthly. One withdrawal allowed during term with $25 penalty.
0.15% interest rate · Compounded daily · Effective Oct 6, 2026
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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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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