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 Bloomington, IL
- 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 - U of I Community Credit Union33-Month Add-on CertificateCD · 33 months · $100 min
Credit union · 1 branch
3.30%APY$934 over 33 months on $10,000Requirements
Product: Limit one per person. Minimum opening deposit $100. Additional deposits allowed during term with a minimum of $25. Total balance may not exceed $100,000; excess funds moved automatically to primary share account. No Loyalty Checking bonus. At maturity converts to a 36 month Silver Share Certificate. Early withdrawal penalty of 180 day dividend.
Offer: Limit one per person. Minimum $100 opening deposit, $25 minimum add-on deposit, maximum balance $100,000. Early withdrawal penalty of 180 day dividend.
3.26% interest rate · Balance cap $100,000
Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
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 - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate checked
More details - Morton Community BankCertificate of DepositCD · 60 months · $1,000 min · 3.05%–3.11% by balance
Bank · 1 branch
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 - 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 - 2.52%APY$1,325 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Automatic renewal with 10-day grace period after maturity.
Offer: Interest frequency is 6 months. Early withdrawal penalty is 365 days.
2.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 2.12%APY$875 over 48 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 2.12%. Rates current as of 9/17/2026.
Offer: Last 12 months (months 37-48). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal.
Qualified rate · 2.35% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$761 over 48 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
Offer: Next 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal.
Promotional rate · 1.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
Offer: Penalty will be imposed for early withdrawal.
1.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for CD Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up 1.95% Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.85% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (5 year) Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up$100k+ balance tier. 1.95% Rate checked
More details - 1.65%APY$590 over 42 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (42 Mos) Balance APY $1,000 – $100,000Your amount 1.65% $100,000 and up$100k+ balance tier. 1.75% Rate checked
More details - 1.53%APY$308 over 24 months on $10,000with conditions
Requirements
Product: Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 1.53%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal.
Qualified rate · 1.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.45%APY$292 over 24 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (2 year) Balance APY $1,000 – $100,000Your amount 1.45% $100,000 and up$100k+ balance tier. 1.55% 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 Bloomington, IL
251 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 1.85%
- Top 10% from
- 4.00%
- Banks, typical
- 1.22%
- Credit unions, typical
- 3.70%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Bloomington, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- State Farm Federal Credit UnionCredit union · 1 branch
- U of I Community Credit UnionCredit union · 2 branches