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 1–13 results in Sterling, 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 - Peoples National Bank of KewaneeCertificate of Deposit SpecialsCD · 17 months · $1,000 min
Bank · 1 branch
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 Offer may be withdrawn at any time.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 - Select Employees Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.90%APY$390 over 1 year on $10,000Requirements
Product: Select 50 Club Members receive .05% higher dividend rate on all CDs. Penalties for early withdrawal.
Offer: Minimum balance required to receive dividends is $1,000.00.
3.83% interest rate · Effective Aug 3, 2026
Rate checked
More details - Farmers National BankCertificate of DepositCD · 12 months · $500 min · 3.70%–4.00% by balance
Bank · 2 branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum $500 deposit Short and long-term maturities that range from 3 months to 5 years Competitive fixed interest rates Interest paid quarterly Early withdrawals subject to penalty CD automatic renews at maturity with the new interest rate and same maturity term so you may continue to earn a higher rate of return FDIC insured
3.65% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 3.70% $10,000 and upYour amount 3.80% $100,000 and up 4.00% Rate checked
More details - Morton Community BankCertificate SpecialsCD · 14 months · $10,000 min · 3.73%–3.79% by balance
Bank · 2 branches
3.73%APY$437 over 14 months on $10,000intro rateRequirements
Product: Rates apply to consumer deposits only. Rates may be unavailable in counties where the Bank does not maintain a branch facility. Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal.
Offer: Under $100,000. $10,000 minimum deposit. Upon maturity 14 month special will renew at current 12-month rate.
Promotional rate · 3.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY Up to $100,000Your amount 3.73% $100,000 and up$100,000 and Over. 3.79% Rate checked
More details - 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 - 3.64%APY$1,132 over 36 months on $10,000intro rate
Requirements
Product: Low minimum balance of $500 to open. Penalty for early withdrawal.
Offer: Paid at maturity.
Promotional rate · 3.64% 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 - Morton Community BankCertificate of DepositCD · 60 months · $1,000 min · 3.05%–3.11% by balance
Bank · 2 branches
3.05%APY$1,621 over 60 months on $10,000Requirements
Product: Rates apply to consumer deposits only. Rates may be unavailable in counties where the Bank does not maintain a branch facility. Specials cannot be combined with any other offers. Interest begins to accrue on the business day you deposit non-cash items. Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal.
Offer: Under $100,000.
3.01% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $100,000Your amount 3.05% $100,000 and up$100,000 and Over. 3.11% 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
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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 Sterling, IL metro
70 CDs at 9 banks and credit unions · checked Oct 6–16
- Typical
- 3.25%
- Top 10% from
- 3.86%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.50%
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Sterling, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Select Employees Credit UnionCredit union · 1 branch
- Advantage One Credit UnionCredit union · 1 branch