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
- 5.15%APY$559 over 13 months on $10,000intro rate
Requirements
Product: Dividends compounded daily. Minimum deposit and balance requirements vary by term.
Promotional rate · 5.05% interest rate · Compounded daily · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - Whiting Refinery Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
5.12%APY$2,836 over 60 months on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
5.00% interest rate
Rate checked
More details - 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must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period).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 - 4.71%APY$1,481 over 36 months 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.
4.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.61%APY$422 over 11 months on $10,000with conditions
Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Midwest Family Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · 1 branch
4.59%APY$227 over 6 months on $10,000with conditionsRequirements
Product: Fixed rate time deposit for members. Terms from 6-60 months. Penalties for early withdrawal apply (loss of 90 days dividends).
Offer: LOYALTY CERTIFICATE PROMO. Requirements: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU. Penalty for early withdrawal is loss of 90 days dividends.
Qualified rate · 4.50% interest rate
Rate checked
More details - Members Advantage Credit UnionCertificates of DepositCD · 72 months · $1,000 min
Credit union · 1 branch
4.55%APY$3,060 over 72 months on $10,000Requirements
Product: Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
Offer: Dividends compounded monthly.
Compounded monthly · Effective Oct 1, 2026
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More details - 4.50%APY$336 over 9 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.48% interest rate · Effective Oct 6, 2026
Rate checked
More details - Members Source Credit UnionShare Certificates (CDs)CD · 11 months · $1,000 min
Credit union · 3 branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Dividends credited and compounded monthly. Rates subject to change without notice.
Offer: 11-Month Special.
Promotional rate · 4.41% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Offer: CD Special - expires 10/31/26
Promotional rate · Effective Sep 15, 2026
Rate checked
More details - 4.50%APY$488 over 13 months on $10,000intro rate
Requirements
Product: New deposits only.
Offer: New deposits only.
Promotional rate · 4.43% interest rate · Effective Oct 6, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Must be opened with new money transferred from lower-paying accounts at other financial institutions. Transfers between Tech Credit Union accounts do not qualify. Requires $25.00 in Membership Savings. Penalty imposed for early withdrawal. Principal and interest transfer to Membership Savings at end of term.
Offer: Requires minimum $1,000 new money to open.
Promotional rate
Rate checked
More details - Abbott Laboratories Employees Credit UnionCertificatesCD · 20 months · $500 min
Credit union · 8 branches
4.50%APY$761 over 20 months on $10,000Requirements
Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
Offer: Special certificate rate; early withdrawal penalty may apply.
4.41% interest rate · Effective Feb 1, 2026
Rate checked
More details - 4.47%APY$562 over 15 months on $10,000intro rate
Requirements
Product: Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Offer: Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500.
Promotional rate · 4.38% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.45%APY$910 over 24 months 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 + 0.25%. Variable rate.
Effective Oct 1, 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 Chicago, IL-IN metro
1,353 CDs at 144 banks and credit unions · checked Oct 15–22
- Typical
- 2.27%
- Top 10% from
- 4.05%
- Banks, typical
- 1.68%
- Credit unions, typical
- 2.84%
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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