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 of 317 results in Illinois
- Great Rivers BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min · 3.70%–5.00% by balance
Bank · 3 branches
5.00%APY$247 over 6 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.67% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and up 3.70% $5,000 and upYour amountSpecial Limited Time 5.00% Rate checked
More details - 4.70%APY$591 over 15 months on $10,000
Requirements
Offer: Interest paid at maturity (Renewable)
4.62% interest rate
Rate checked
More details - 4.65%APY$347 over 9 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.62% interest rate · Effective Nov 6, 2026
Rate checked
More details - 4.65%APY$505 over 13 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.57% interest rate · Effective Nov 6, 2026
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Available online only. Minimum opening deposit $1,000; maximum opening deposit $5,000,000. Eligibility: current U.S. home address (includes Puerto Rico, excludes other territories), valid SSN, and age 18+. Early withdrawal penalty of 30 days simple interest applies unless waived due to death/incompetence with documentation.
Offer: Interest compounds and credits monthly.
4.41% interest rate · Balance cap $5,000,000 · Effective Oct 20, 2026
Rate checked
More details - 4.50%APY$761 over 20 months on $10,000intro rate
Requirements
Product: Exclusive for new depository money. Zero setup or maintenance fees. Subject to credit qualifications. Early withdrawal penalties may apply.
Offer: Rollover into a 24-month term at maturity, current 24-month term CD rates will apply.
Promotional rate · 4.49% interest rate · Effective Nov 1, 2026
Rate checked
More details - 4.50%APY$1,925 over 48 months on $10,000
Requirements
Product: Guaranteed, fixed rates for the length of term. Minimum opening deposit varies based on term. A penalty may be imposed for early withdrawal.
Offer: 48 Month CD. A penalty may be imposed for early withdrawal.
Effective Oct 27, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000with conditions
Requirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 31, 2026.
Qualified rate · 4.50% interest rate · Effective Oct 31, 2026
Rate checked
More details - 4.47%APY$1,360 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 · 4.42% interest rate
Rate checked
More details - 4.42%APY$904 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. 9-month CDs are auto renewing; interest due at maturity.
Offer: Term: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.35% interest rate · Effective Oct 27, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 29, 2026.
4.33% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000intro rate
Requirements
Product: Fixed rate of return. Minimum deposit required to open is $1,000. Online opening available for existing North Shore Bank customers.
Offer: Promotional CD rate. Interest compounds quarterly.
Promotional rate · 4.33% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.40%APY$1,379 over 36 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
Rate checked
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$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 30, 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
1,829 CDs at 185 banks and credit unions · checked Nov 5–7
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
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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
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches