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 1–15 results in Illinois
- 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
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More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: Annual Percentage Yield of 4.40% for 12 Months. Min deposit $1000.
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More details - 4.40%APY$440 over 1 year on $10,000
4.33% interest rate · Effective Oct 1, 2026
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More details - 4.39%APY$439 over 1 year on $10,000
Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.30% interest rate · Effective Oct 5, 2026
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More details - 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
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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
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More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.22% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
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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
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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
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More details - 4.12%APY$412 over 1 year on $10,000
Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.06% interest rate · Effective Oct 6, 2026
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More details - U of I Community Credit UnionSilver Share CertificateCD · 12 months · $500 min
Credit union · 8 branches
4.10%APY$410 over 1 year 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.
4.04% interest rate · Compounded quarterly
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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 1-year CDs pay in Illinois
322 CDs at 273 banks and credit unions · checked Oct 16–22
- Typical
- 2.60%
- Top 10% from
- 3.92%
- Banks, typical
- 2.22%
- Credit unions, typical
- 3.00%
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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