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 151–165 results in Chicago, IL-IN metro
- 3.29%APY$357 over 13 months on $10,000
Requirements
Product: Minimum initial deposit is $500.00. Certificates withdrawn prior to maturity date may be subject to early withdrawal penalty, which may reduce earnings. APY assumes interest remains on deposit until maturity.
Offer: Special certificate offer. Interest paid quarterly.
3.25% interest rate · Effective Aug 3, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)6 Month CDCD · 6 months · $1,000 min · 2.50%–3.50% by balance
Credit union · 1 branch
3.25%APY$161 over 6 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.
2.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 6 Month CD Balance APY $1,000 and up 2.50% $10,000 and upYour amountMinimum deposit $10,000. 3.25% $50,000 and upMinimum deposit $50,000. 3.50% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)12 Month CDCD · 12 months · $1,000 min · 2.50%–3.75% by balance
Credit union · 1 branch
3.25%APY$325 over 1 year 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.
2.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 12 Month CD Balance APY $1,000 and up 2.50% $10,000 and upYour amountMinimum deposit $10,000. 3.25% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.20%APY$266 over 10 months on $10,000intro rate
Requirements
Product: Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of 2026-09-15 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
Offer: Minimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers.
Promotional rate · 3.15% interest rate · Effective Sep 15, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Minimum $1,000.00 deposit; dividends compounded quarterly
Offer: Minimum $1,000.00 deposit; dividends compounded quarterly
Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - 3.05%APY$305 over 1 year on $10,000
Requirements
Product: Fixed rate throughout the term; automatically renewed.
Rate checked
More details - 3.05%APY$619 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Rates guaranteed fixed for length of term. Automatic interest earnings transfer capabilities and automatic CD renewal available.
Offer: Minimum average daily balance to avoid fees is $0. Term of 2 Years.
Effective Sep 1, 2026
Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 4 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
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