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 91–105 results in Chicago, IL-IN metro
- Northbrook Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 7 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: New money only. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate in effect.
Offer: New money only. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate in effect. Assumes funds remain on deposit until maturity.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Amount required to open varies by CD. Maximum $250,000.00. Funds must remain on deposit throughout the specified period; funds may not be added once opened. Interest compounded and credited quarterly. Early withdrawal subject to penalty.
Offer: 13-month CD. Rolls over into a 12-month term at maturity at the rate in effect at that time.
Promotional rate · Balance cap $250,000 · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - 3.97%APY$810 over 24 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.95%APY$1,232 over 36 months on $10,000intro rate
Requirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 365 days' worth of interest.
Promotional rate · 3.89% interest rate · Compounded monthly · Effective Jul 20, 2026
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More details - 3.93%APY$260 over 8 months on $10,000
Requirements
Product: Automatically renewable. A penalty will be imposed for funds withdrawn prior to maturity. Fees may reduce earnings.
Offer: Automatically renewable. Early withdrawal penalty applies.
3.90% interest rate · Effective Oct 7, 2026
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More details - Partnership Financial Credit UnionTerm Share CertificateCD · 7 months · $1,000 min
Credit union · 7 branches
3.90%APY$226 over 7 months on $10,000Requirements
Product: Partnership Financial Credit Union does not offer term share certificates to other financial institutions. All dividends are paid monthly. A six-month penalty may be imposed for early withdrawal.
Offer: Minimum balance required to earn the corresponding APY. Dividends paid monthly. Funds must be left to compound for one year to earn full APY.
3.83% interest rate · Effective Oct 1, 2025
Rate checked
More details - 3.90%APY$324 over 10 months on $10,000intro rate
Requirements
Product: 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: Interest compounded and paid quarterly. No minimum balance required to earn APY.
Promotional rate · 3.84% interest rate · Effective Sep 29, 2026
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More details - 3.90%APY$423 over 13 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 October 16, 2026 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 · 3.83% interest rate · Effective Oct 16, 2026
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More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
Offer: Published as 7 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of October 10, 2026. CD product page also describes Special Certificate details and asks callers to inquire about the current special term.
Promotional rate · 3.85% interest rate · Effective Oct 10, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
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. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
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More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
Offer: PROMO 7 mo Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
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More details - United Trust BankCertificates of DepositsCD · 12 months · $3,000 min · 3.85%–4.05% by balance
Bank · 1 branch
3.85%APY$385 over 1 year on $10,000intro rateRequirements
Product: Terms 3 months–5 years; opening minimum $3,000; early withdrawal penalty applies.
Offer: 12 Month Special; tier $3,000.00-$74,999.99; early withdrawal penalty may apply.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposits Balance APY $3,000 – $75,000Your amount 3.85% $75,000 – $250,000 4.05% Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Limited to $1,000,000.00 per account type per household or controlled entity. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Balance limited to $1,000,000.00 per account type per household or controlled entity.
3.75% interest rate · Balance cap $1,000,000 · Effective Jun 3, 2026
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More details - American Broadcast Employees FCUInvestment Share CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.75%APY$186 over 6 months on $10,000Requirements
Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.
Effective Sep 23, 2026
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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