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 121–135 results in Chicago, IL-IN metro
- 3.66%APY$366 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply (90 days interest for terms <= 1 year; 180 days interest for terms > 1 year). Auto-renewable at interest rate in effect on renewal date.
Offer: Compounded monthly.
3.60% interest rate · Compounded monthly
Rate checked
More details - First State Bank of PorterTraditional CDCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Bank · 3 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: Subject to early withdrawal penalty. APY assumes interest and principal remain on deposit until maturity.
3.60% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Traditional CD Balance APY $1,000 – $100,000Your amount 3.65% $100,000 and up 3.75% Rate checked
More details - 3.60%APY$148 over 5 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 5 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of September 12, 2026. CD product page also describes a 6 Month Total T Special with the same features and asks callers for the current special term.
Promotional rate · 3.60% interest rate · Effective Sep 12, 2026
Rate checked
More details - Abri Credit UnionShare Certificate Accounts (CD's)CD · 11 months · $5,000 min
Credit union · 8 branches
3.60%APY$330 over 11 months on $10,000intro rateRequirements
Product: Dividends are compounded and paid monthly based on the average daily balance. Early withdrawal penalties apply (less than 24 months: 90 days dividends; 24 to 36 months: 120 days dividends; 48 months or greater: 180 days dividends). 7-day grace period at maturity.
Offer: Limited time Certificate Special.
Promotional rate
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000intro rate
Requirements
Product: Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. $1,000 minimum deposit to open. No setup or maintenance fees.
Offer: 24 Months Special. Celebrate anniversary rate special. Membership and $1,000 minimum deposit required to open. Promotion may end at any time. Upon maturity, automatically renews at the prevailing rate for a 6-month share certificate.
Promotional rate · 3.55% interest rate · Effective Apr 13, 2026
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
Requirements
Product: $1,000 Minimum Initial Deposit. Automatically renewable. Terms are 30 Days to 5 Years. For terms less than 31 days, interest is credited at maturity; for all other terms, interest is compounded & credited monthly. Early withdrawal penalty applies.
3.50% interest rate · Effective Sep 29, 2026
Rate checked
More details - Acme Continental Credit UnionTerm Share CertificatesCD · 18 months · $1,000 min
Credit union · 1 branch
3.56%APY$539 over 18 months on $10,000Requirements
Product: Subject to penalties for early withdrawals.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-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
Rate checked
More details - 3.55%APY$265 over 9 months on $10,000intro rate
Requirements
Product: Fixed rates for dependable growth. Interest credited to CD. Penalty may be imposed for early withdrawal. Rates on CDs of $100,000 or more quoted on request.
Offer: 9 Month Special. For maturity over 6 months and CD > $5,000, interest payment options: Monthly, Quarterly or Semi-annually.
Promotional rate · 3.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026.
3.50% interest rate · Effective Oct 10, 2026
Rate checked
More details - 3.53%APY$264 over 9 months on $10,000intro rate
Requirements
Offer: Special Rate
Promotional rate · 3.50% interest rate · Balance cap $249,000 · Effective Feb 2, 2025
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More details - 3.51%APY$1,883 over 60 months on $10,000
Requirements
Product: Dividends are paid monthly and at maturity. Early withdrawal penalty applies.
Offer: Ask how you can get .20 additional basis point on your next certificate.
3.45% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.50%APY$87 over 3.033333333333333 months on $10,000intro rate
Requirements
Product: New money only. Substantial penalty will be imposed for early withdrawal. Automatically renews at a Regular 90 Day CD and rate at that time.
Offer: New money only. Substantial penalty for early withdrawal. Automatically renews at a Regular 90 Day CD and rate at that time.
Promotional rate · 3.44% interest rate · Effective Jan 12, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-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. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Joliet Municipal Employees Federal Credit UnionCertificate Disclosure (CD)CD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Minimum $1,000. All Rates Subject to Change.
3.46% interest rate
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