Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Chicago, IL-IN metro
- 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must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period).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 - 4.40%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 - Whiting Refinery Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
4.25% 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 - 4.18%APY$418 over 1 year on $10,000
Requirements
Product: Variable rate. Additional deposits required. Membership eligibility required. $5 deposit in Member Ownership Share required.
Offer: Dividend Rate formula: T-Bill + 0.00%. Variable rate.
Effective Oct 1, 2026
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More details - Notre Dame Federal Credit UnionStandard CertificateCD · 12–23 months · $0 min
Credit union · 1 branch
4.15%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
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More details - Chiphone Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.10%APY$410 over 1 year on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.02% interest rate · Compounded daily · Effective Sep 24, 2024
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More details - Fox Valley Credit UnionTerm Certificates or Certificates of DepositCD · 12 months · $500 min
Credit union · 2 branches
4.08%APY$408 over 1 year on $10,000intro rateRequirements
Product: The minimum deposit to open a CD is $500. There is a penalty for early withdrawal, and fees could reduce both earnings and principle on the account.
Offer: Limited time promotional rate; maximum deposit of $50,000 per member; penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Balance cap $50,000 · Effective Oct 6, 2026
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More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 4 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.05%APY$405 over 1 year 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.
3.98% interest rate · Effective Oct 13, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Chicago, IL-IN metro
158 CDs at 121 banks and credit unions · checked Oct 15–22
- Typical
- 2.21%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 2.25%
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Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches