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 61–75 results in Illinois
- Bradford National BankCompounding Certificate / Certificate of DepositCD · 60 months · $1,000 min
Bank · 10 branches
4.23%APY$2,302 over 60 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
4.15% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000intro rate
Requirements
Product: Contact bank for current rate and availability. Promotional rate may remain available after expiration date (10/27/2026). Fees or other conditions could reduce earnings on the account. A penalty may or will be imposed for early withdrawal. Certificate will automatically renew with applicable rate at time of maturity.
Offer: Offer ends 10/27/2026. Alternative terms are not permitted.
Promotional rate · 4.14% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 1 branch
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - U of I Community Credit UnionSilver Share CertificateCD · 24 months · $500 min · 4.20%–4.25% by balance
Credit union · 8 branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty of 180 day dividend.
4.14% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Silver Share Certificate Balance APY Any balanceYour amount 4.20% $100,000 and up2 years jumbo. 4.25% Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000with conditions
Requirements
Product: Federally insured up to at least $250,000. Penalties apply for early withdrawal. Jumbo rate quoted upon request (minimum $100,000). Youth savings certificates minimum $500 available to youth club members 18 years and under and Elite Club Checking members.
Qualified rate · 4.12% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
4.12% interest rate · Effective Oct 13, 2026
Rate checked
More details - Peoples National Bank of KewaneeCertificate of Deposit SpecialsCD · 17 months · $1,000 min
Bank · 10 branches
4.19%APY$599 over 17 months on $10,000intro rateRequirements
Product: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.
Offer: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.
Promotional rate · 4.15% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.18%APY$418 over 1 year on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.18%APY$1,078 over 30 months on $10,000
- 4.18%APY$1,269 over 35 months on $10,000with conditions
Requirements
Product: Limited time offer. $5,000 minimum balance to open account. An active Bank First checking account with direct deposit is required to obtain this special. Penalty may be imposed for early withdrawal.
Offer: Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD. Requires $5,000 minimum to open and an active Bank First checking account with direct deposit.
Qualified rate · 4.14% interest rate
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionVariable Rate CertificateCD · 24 months · $500 min
Credit union · 8 branches
4.17%APY$851 over 24 months on $10,000Requirements
Product: Variable rate based on 13-week Treasury Bill + 0.15% (0% APY floor). Early withdrawal penalty may apply.
Offer: Variable rate based on 13-week Treasury Bill + 0.15%. Dividends paid monthly.
4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.16%APY$776 over 22 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties apply. Fees could reduce earnings. Maintain daily minimum balance to earn interest.
Offer: Maintain daily minimum balance of $500 or more to earn interest.
Promotional rate · 4.10% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
Offer: Term: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.10% interest rate · Effective Jul 15, 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%
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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