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 16–30 results in Rockford, IL metro
- 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - ABD Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.29%–4.06% by balance
Credit union · 1 branch
3.29%APY$329 over 1 year on $10,000Requirements
Product: All accounts must maintain the minimum balance stated to receive dividends. A penalty equal to 90 days interest may apply for early withdrawal on Certificate of Deposit Accounts. Dividends are paid quarterly starting from the issue date.
3.25% interest rate · Effective Nov 25, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.29% $50,000 and up 4.06% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Rock Valley Credit Union12 Month Save to Win CertificateCD · 12 months · $25 min
Credit union · 2 branches
3.00%APY$300 over 1 year on $10,0002.96% interest rate · Effective Jul 13, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: $25 minimum deposit required. Every $25 deposited counts as entry into monthly and quarterly prize drawings. No monthly service fee. Early withdrawal penalty applies per account terms.
Offer: Every $25 deposited counts as entry into monthly and quarterly prize drawings.
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: 12-month share certificate. Must be 18 years or older. Every $25 deposit earns an entry into prize drawings (up to 100 entries per month, 300 per quarter).
Offer: Earns monthly dividends. $25 minimum balance required.
Rate checked
More details - MembersAlliance Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 4 branches
3.00%APY$300 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Early withdrawal penalty: 180 Days.
2.96% interest rate
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - Rock Valley Credit UnionCertificates (CDs)CD · 12 months · $1,000 min · 2.50%–3.00% by balance
Credit union · 2 branches
2.75%APY$275 over 1 year on $10,000Requirements
Product: $25 minimum deposit required in a share savings account to establish credit union membership. Dividends compounded and credited monthly. Calculated by daily balance method. APY assumes dividends remain until maturity. Penalties may be imposed for early withdrawal. Automatically renews at maturity.
2.47% interest rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for Certificates (CDs) Balance APY $1,000 and up 2.50% $10,000 and upYour amount 2.75% $50,000 and up 3.00% Rate checked
More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
Rate checked
More details - 2.28%APY$113 over 6 months on $10,000
Requirements
Product: $1,000.00 initial deposit requirement. No minimum balance to earn Annual Percentage Yield (APY). Fixed interest rate for entire term. Automatically renews into a CD with the same term. Penalty will or may be imposed for early withdrawal.
Offer: No compounding during term. Interest credited at maturity.
2.27% interest rate
Rate checked
More details - 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 · 4 branches
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
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · 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 Rockford, IL metro
257 CDs at 21 banks and credit unions · checked Oct 6–22
- Typical
- 1.30%
- Top 10% from
- 3.85%
- Banks, typical
- 0.40%
- Credit unions, typical
- 2.01%
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Find your bank or credit union to see all its rates and how they compare near you.
Rockford, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Rock Valley Credit UnionCredit union · 2 branches
- Illinois State Credit UnionCredit union · 1 branch
- UMB BankBank · 4 branches