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 31–45 results in Chicago, IL-IN metro
- HealthCare Associates Credit UnionCertificatesCD · 13 months · $500 min · 4.30%–4.50% by balance
Credit union · 4 branches
4.30%APY$467 over 13 months on $10,000Requirements
Product: $500 minimum to open an account. Compounded monthly, paid monthly. Penalties apply for early withdrawal. Rates effective as of 10/01/2026.
Offer: At maturity, 13-month certificates will automatically renew for a term of 12 months at the prevailing rate. Limited Time Offer.
4.22% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 – $24,999Your amount 4.30% $25,000 and up 4.50% Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - Rock Valley Credit UnionCertificates (CDs) - PromotionalCD · 6 months · $1,000 min
Credit union · 1 branch
4.25%APY$210 over 6 months on $10,000Requirements
Product: $25 minimum deposit required in a share savings account to establish credit union membership. Fees could reduce the earnings on the account. Rates are subject to change without notice. You will be paid the disclosed rate until first maturity. Unless otherwise paid, dividends will be compounded every month and credited to your account monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. APY assumes all dividends remain in the certificate until maturity. Penalties may be imposed for early withdrawal. The 15 month and 6 month Certificates are nonrenewable.
Offer: The 15 month and 6 month Certificates are nonrenewable.
4.17% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: When Share Certificate is compounded. Rates subject to change.
Offer: When Share Certificate is compounded.
Rate checked
More details - CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATIONCertificates of Deposit - SpecialsCD · 7 months · $2,500 min
Bank · 3 branches
4.25%APY$246 over 7 months on $10,000intro rateRequirements
Product: Rates are effective as of September 22, 2026 and subject to change without notice. Penalties for early withdrawals may be imposed. Fees may reduce earnings.
Offer: Funds to open account must be new money, defined as money not currently held at Central Federal. Funds cannot be transferred from or a check drawn from a Central Federal account to fund the account.
Promotional rate · 4.16% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Limited-time promotional CD offer. Minimum investment $1,000. IRAs and commercial accounts are not eligible. Interest will not be compounded and will be posted at maturity. Automatically renews at maturity into a 6-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.
Offer: Limited-time offer. Automatically renews at maturity into a 6-month CD at the then current rate. IRAs and commercial accounts are not eligible. Early withdrawal penalty applies. Interest will not be compounded; posted at maturity.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
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More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited time CD Rate Special. Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Offer: Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Promotional rate · Compounded quarterly · Effective Sep 17, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 115 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Must be eligible and qualify for membership at Verve, a Credit Union; purchase and maintain 1 share at par value of $5.00 in a savings account. Penalty for early withdrawal.
Offer: Special rate certificate. Dividends compound monthly. Automatic renewal upon maturity.
Promotional rate · 4.17% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.25%APY$793 over 22 months on $10,000intro rate
Requirements
Product: Yields based on a $1,000 Share Certificate with all dividends remaining in account to compound. Minimum balance for Term Certificate is $500.00. Penalty may apply for early withdrawal. Limited time offer.
Offer: 22 Month Certificate Special. $500 minimum; no maximum. Renews for 24 months. Early withdrawal penalty may apply. Limited time offer.
Promotional rate · 4.17% interest rate · Effective Oct 10, 2026
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min
Credit union · 1 branch
4.25%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$1,020 over 28 months on $10,000intro rate
Requirements
Product: Fees may reduce earnings. Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest.
Offer: Fees may reduce earnings. Substantial penalty for premature withdrawal.
Promotional rate · 4.20% interest rate · Effective Oct 7, 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