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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.

Term
Location

Top CD rates

Showing 1–15 results in Champaign, IL metro

  1. Longview Community BankCertificate SpecialsCD · 15 months · $10,000 min

    Bank · 1 branch

    4.70%APY$591 over 15 months on $10,000
  2. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 3 branches

    4.25%APY$317 over 9 months on $10,000
  3. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 4 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  4. Top Carrot, Carrot Score 87
    First State BankCertificate of Deposit SpecialsCD · 28 months · $1,000 min

    Bank · 1 branch

    4.25%APY$1,020 over 28 months on $10,000intro rate
  5. Prospect BankSpecial Certificate of DepositCD · 12 months · $500 min

    Bank · 2 branches

    4.20%APY$420 over 1 year on $10,000intro rate
  6. Top Carrot, Carrot Score 95
    U of I Community Credit UnionSilver Share CertificateCD · 24 months · $500 min · 4.20%–4.25% by balance

    Credit union · 5 branches

    4.20%APY$858 over 24 months on $10,000
  7. Longview Community BankCertificate of DepositsCD · 30 months · $500 min

    Bank · 1 branch

    4.18%APY$1,078 over 30 months on $10,000
  8. BankChampaignCertificates of DepositCD · 22 months · $500 min

    Bank · 2 branches

    4.16%APY$776 over 22 months on $10,000intro rate
  9. Top Carrot, Carrot Score 87
    First State BankCertificates of Deposit (CDs)CD · 24 months · $1,000 min

    Bank · 1 branch

    4.14%APY$845 over 24 months on $10,000
  10. Heartland Bank and Trust CompanyCertificates of DepositCD · 23 months · $5,000 min

    Bank · 4 branches

    4.10%APY$801 over 23 months on $10,000intro rate
  11. Urbana Municipal Employees Credit UnionCertificates of DepositCD · 6 months · $1,000 min

    Credit union · 1 branch

    4.08%APY$202 over 6 months on $10,000intro rate
  12. Hickory Point Bank & TrustCertificate of DepositCD · 13 months · $1,000 min

    Bank · 1 branch

    3.96%APY$430 over 13 months on $10,000intro rate
  13. Top Carrot, Carrot Score 87
    Credit Union 1Share Certificate (CD)CD · 7 months · $1,000 min

    Credit union · 1 branch

    3.85%APY$223 over 7 months on $10,000intro rate
  14. Bank of PontiacFUNRates CD "Specials"CD · 6 months · $2,500 min

    Bank · 3 branches

    3.75%APY$186 over 6 months on $10,000
  15. INBCD SpecialCD · 13 months · $1,000 min

    Bank · 1 branch

    3.74%APY$406 over 13 months on $10,000with conditions

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 CDs pay in Champaign, IL metro

297 CDs at 22 banks and credit unions · checked Oct 6–22

Typical
2.00%
Top 10% from
3.95%
Banks, typical
1.85%
Credit unions, typical
3.00%

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Champaign, IL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. U of I Community Credit UnionCredit union · 5 branches
  2. CEFCUCredit union · 1 branch
  3. Credit Union 1Credit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate