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 1–11 results in Freeport, IL metro
- 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Deposits are federally insured up to $250,000 by the NCUA with an additional $250,000 private insurance by ESI ($500,000 total). Penalties apply for early withdrawals.
Offer: 24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount.
Compounded daily · Effective Oct 1, 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 This is a limited time offer and may be withdrawn at any time without notice.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
Rate checked
More details - 4.01%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Applications generally accepted from individuals residing in service area (Stephenson, Winnebago, Boone, Jo Daviess, Ogle, and Carroll counties in Northern Illinois).
Offer: CD Special.
Promotional rate
Rate checked
More details - First Community Credit UnionProsper Max Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
3.93% interest rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 1.85%APY$960 over 60 months on $10,000
- 1.06%APY$431 over 48 months on $10,000
Requirements
Product: Membership eligibility required. Penalty will be assessed for early withdrawal. Minimum balance to open and obtain the advertised APY is $1,000.
1.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Community Credit UnionDream Seeker Share CertificateCD · 12 months · $25 min
Credit union · 1 branch
1.01%APY$101 over 1 year on $10,000Requirements
Product: Minimum balance to open and obtain APY is $25.
1.00% interest rate · Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Freeport, IL metro
55 CDs at 6 banks and credit unions · checked Oct 6–16
- Typical
- 1.25%
- Top 10% from
- 4.00%
- Banks, typical
- 0.40%
- Credit unions, typical
- 1.48%
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Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch