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 16–30 results in Chicago, IL-IN metro
- 4.40%APY$440 over 1 year on $10,000
4.33% interest rate · Effective Oct 1, 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 15, 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 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Dividends compounded and paid quarterly. A penalty may be imposed for early withdrawal of funds. Terms range from 3 months to 5 years.
Offer: MaxYield Rate
4.33% interest rate · Effective Oct 5, 2026
Rate checked
More details - DuPage Credit UnionShare Savings CertificateCD · 9 months · $1,000 min · 3.82%–4.39% by balance
Credit union · 3 branches
4.39%APY$327 over 9 months on $10,000Requirements
Product: Must have a Credit Union membership established and be in good standing. Dividends compounded monthly and paid monthly. Early withdrawal penalties may apply. No monthly maintenance fees.
3.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Certificate Balance APY $1,000 and up 3.82% $10,000 and upYour amountLimited-time offer. At maturity, if set to automatically renew, it will renew as a standard 9-month certificate at the then-current rate. A 30 day loss of dividends penalty for early withdrawal. 4.39% Rate checked
More details - New Century Federal Credit UnionCertificates of DepositCD · 13 months · $1,000 min
Credit union · 2 branches
4.36%APY$473 over 13 months on $10,000intro rateRequirements
Product: Share certificates; $1,000 minimum deposit. Dividends paid quarterly and at maturity. Must maintain the $1,000 minimum average daily balance to obtain the disclosed APY. Early withdrawal penalty may be imposed and may reduce principal (30 days dividends for 6-month; 90 days for 1-year; 180 days for 2–5 year). One month prior to maturity, notice is given to withdraw or roll over.
Offer: 13 month Special. APY requires $1,000 minimum average daily balance. Yields paid quarterly and at maturity. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.35%APY$251 over 7 months on $10,000
Requirements
Product: Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
Offer: Promotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period.
4.26% interest rate · Effective Oct 7, 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$435 over 1 year on $10,000
Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.27% interest rate · Balance cap $5,000,000 · Effective Sep 22, 2026
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 5, 2026
Rate checked
More details - Chiphone Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · 1 branch
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.26% interest rate · Compounded daily · Effective Sep 24, 2024
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 11 branches
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% Rate checked
More details - 4.33%APY$396 over 11 months on $10,000intro rate
Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalty applies and reduces earnings. Federally insured up to $250,000.
Offer: Special 11-month certificate. Funds must be new money derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts transferred no more than 30 days prior to establishment.
Promotional rate · 4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chicago Firefighters Credit UnionShare CertificateCD · 12 months · $10,000 min
Credit union · 1 branch
4.33%APY$433 over 1 year on $10,000Requirements
Product: Share rates effective as of October 1, 2026. All share and loan rates are subject to change at any time at the discretion of the Board of Directors. Fees could reduce the earnings on accounts. Withdrawals made prior to maturity are subject to loss of dividend days specified in offer.
Offer: Withdrawals made prior to maturity are subject to a loss of 120 days dividend
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Purdue Federal Credit UnionSpecial Share CertificatesCD · 15 months · $5,000 min
Credit union · 1 branch
4.33%APY$544 over 15 months on $10,000intro rateRequirements
Product: Membership eligibility required. $5 deposit in Member Ownership Share required. Special Share Certificates are available for a limited time. Early withdrawal penalty applies.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
Promotional rate · 4.24% interest rate · Compounded daily
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