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 46–60 results in Chicago, IL-IN metro
- 4.25%APY$2,313 over 60 months on $10,000with conditions
Requirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 5th year bonus rate of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 10, 2026.
Qualified rate · 4.25% interest rate · Effective Oct 10, 2026
Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
4.12% interest rate · Effective Oct 13, 2026
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More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionVariable Rate CertificateCD · 24 months · $500 min
Credit union · 8 branches
4.17%APY$851 over 24 months on $10,000Requirements
Product: Variable rate based on 13-week Treasury Bill + 0.15% (0% APY floor). Early withdrawal penalty may apply.
Offer: Variable rate based on 13-week Treasury Bill + 0.15%. Dividends paid monthly.
4.09% interest rate · Effective Oct 1, 2026
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More details - 4.15%APY$171 over 5 months on $10,000intro rate
Requirements
Product: CD Specials require minimum deposit of $5,000. Auto-renewal policy applies (see term conditions). Rates may change after account is opened.
Offer: 5-Month Term; renews at 6-Month term at maturity
Promotional rate · 4.08% interest rate · Effective Aug 25, 2026
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More details - Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min
Credit union · 1 branch
4.15%APY$345 over 10 months on $10,000with conditionsRequirements
Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.
Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).
Qualified rate · 4.09% interest rate · Effective Oct 1, 2026
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More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
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More details - 4.14%APY$845 over 24 months on $10,000
Requirements
Product: Fees may reduce earnings. 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. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.
Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal.
4.10% interest rate · Effective Oct 7, 2026
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More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Must be opened with new money, defined as new to Byline. For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.
Offer: Must be opened with new money, defined as new to Byline. Interest compounded and paid quarterly. No minimum balance required to earn APY.
Promotional rate · 4.04% interest rate · Effective Sep 29, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Minimum deposit of $2,000 is required to open a CD. Early withdrawal penalty applies (91 days of interest for terms 12 months or less; 180 days of interest for terms over 12 months). Fees will reduce earnings.
Offer: 13 Month Special. Automatically renews in 12-month intervals earning the then-current APY of the traditional 12-month CD. Paid on all balances.
Promotional rate · 4.02% interest rate
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Not valid for IRAs. Interest compounded quarterly. Early withdrawal penalty applies.
Offer: Not available for IRAs. Interest compounded quarterly. Early withdrawal penalty applies.
4.04% interest rate · Compounded quarterly · Effective Sep 8, 2026
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More details - 4.10%APY$515 over 15 months on $10,000intro rate
Requirements
Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.
Offer: New money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 4 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% 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