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 1–15 results in Ottawa, IL metro
- 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 This is a limited time offer and may be withdrawn at any time without notice.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$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
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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 Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit.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
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More details - Peoples National Bank of KewaneeCertificate of Deposit SpecialsCD · 17 months · $1,000 min
Bank · 3 branches
4.19%APY$599 over 17 months on $10,000intro rateRequirements
Product: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.
Offer: Cannot be combined with any other offer or rate enhancements. Penalty for early withdrawal.
Promotional rate · 4.15% interest rate · Effective Sep 17, 2026
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More details - 4.15%APY$665 over 19 months on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
Offer: Special Term*. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 19-Month CD will automatically renew to a term of 18-Months.
Promotional rate · 4.11% interest rate · Effective Sep 30, 2026
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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$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
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More details - 4.08%APY$2,213 over 60 months on $10,000
Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
4.00% interest rate · Effective Oct 6, 2026
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More details - 4.05%APY$268 over 8 months on $10,000intro rate
Requirements
Product: Quarterly compounding. Limited time offer which may be withdrawn at any time and cannot be combined with other offers. Penalty for early withdrawal may reduce account earnings. Assumes interest remains on deposit until maturity.
Offer: Upon maturity, will automatically renew into a 6-month fixed rate certificate earning the then current APY of the 6-month CD, unless otherwise directed by customer.
Promotional rate · Effective Oct 1, 2026
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More details - 4.05%APY$1,377 over 39 months on $10,000
Requirements
Offer: Limited time CD Special. Available only to those who maintain a checking account at La Salle State Bank.
Effective Sep 25, 2026
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More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.93% interest rate · Effective Jul 31, 2026
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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 - 3.81%APY$777 over 24 months on $10,000
Requirements
Product: Fixed rate for the term. Penalty for early withdrawal.
Offer: 24 Month CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P).
3.74% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - 3.80%APY$284 over 9 months on $10,000
- 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Must be opened with new money, not already on deposit with Old Second National Bank. Minimum balance to open and obtain APY is $1,000. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month or 11 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made to the CD during the term. Fees could reduce earnings on the account. CD will automatically renew for a 7 month or 11 month fixed term at the rates and terms then in effect. 7 month and 11 month CDs not available for IRAs.
Offer: Must be opened with new money, not already on deposit with Old Second National Bank. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made during term. Fees could reduce earnings. CD will automatically renew for a 7 month fixed term. Not available for IRAs.
Promotional rate · 3.70% interest rate · Balance cap $1,000,000 · Effective Oct 6, 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 Ottawa, IL metro
186 CDs at 19 banks and credit unions · checked Oct 16–17
- Typical
- 3.00%
- Top 10% from
- 4.04%
- Banks, typical
- 3.18%
- Credit unions, typical
- 2.38%
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Ottawa, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Illinois State Credit UnionCredit union · 1 branch
- NuMark Credit UnionCredit union · 1 branch
- Credit Union 1Credit union · 2 branches