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 136–150 results in Chicago, IL-IN metro
- Northern Illinois Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Fixed-term investment (6 or 12 months). Member must complete deposit of $25 in regular share account as a condition of membership. 90-day dividend early withdrawal penalty applies.
Effective Jul 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: NEW MONEY ONLY. Penalty for early withdrawal 90 days interest. The Harvest 13 Month CD will automatically renew into a regular 12 Month CD and rate at that time.
Offer: NEW MONEY ONLY. Minimum Opening Deposit $10,000.00. A substantial penalty will be imposed for early withdrawal (90 days interest). The Harvest 13 Month CD will automatically renew at a Regular 12 Month CD and rate at that time.
Promotional rate · 3.50% interest rate · Effective Jan 12, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)24 Month CDCD · 24 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$712 over 24 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 24 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.50%APY$1,087 over 36 months on $10,000
Requirements
Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.
3.44% interest rate
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)36 Month CDCD · 36 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
Rate checked
More details - Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · 1 branch
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - Purdue Federal Credit UnionFixed-Rate Share CertificatesCD · 60 months · $500 min
Credit union · 1 branch
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Membership eligibility required. Subject to approval. $5 deposit in Member Ownership Share required.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
3.30% interest rate · Compounded daily
Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Harvard Community Credit UnionCertificates of DepositCD · 9 months · $1,000 min
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: Will match competitor CD rates upon proof of rate with same requirements, only within membership area. Rates may change at any time with or without notice.
3.25% interest rate
Rate checked
More details - Maroon Financial Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Fixed rates; higher rates for longer terms. No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Early withdrawal penalty for CDs with terms greater than 6 months is 180 days worth of interest.
3.25% interest rate · Effective Jul 28, 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
1,351 CDs at 144 banks and credit unions · checked Oct 16–23
- 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