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 31–45 results in Chicago, IL
- 3.90%APY$423 over 13 months on $10,000intro rate
Requirements
Product: Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of October 16, 2026 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
Offer: Minimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers.
Promotional rate · 3.83% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
Offer: Published as 7 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of October 10, 2026. CD product page also describes Special Certificate details and asks callers to inquire about the current special term.
Promotional rate · 3.85% interest rate · Effective Oct 10, 2026
Rate checked
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
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
Offer: PROMO 7 mo Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Limited to $1,000,000.00 per account type per household or controlled entity. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Balance limited to $1,000,000.00 per account type per household or controlled entity.
3.75% interest rate · Balance cap $1,000,000 · Effective Jun 3, 2026
Rate checked
More details - American Broadcast Employees FCUInvestment Share CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.75%APY$186 over 6 months on $10,000Requirements
Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.
Effective Sep 23, 2026
Rate checked
More details - 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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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$439 over 14 months on $10,000intro rate
Requirements
Product: For new customers, only residents of Illinois and Wisconsin are eligible to open or be added to accounts available at open.bylinebank.com. Must be a U.S. Citizen or resident alien with a U.S. physical address. Early withdrawal penalty applies. Automatically renews at maturity.
Offer: Interest compounded and paid quarterly. No minimum balance required to earn APY.
Promotional rate · 3.70% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.70%APY$214 over 7 months on $10,000intro rate
Requirements
Product: Must be 18 years of age to open. Penalty will be assessed for early withdrawal.
Offer: 7 Month Promo. Automatically renewed for 182 days (6 months) on maturity date. Daily Minimum Ledger Balance to earn APY is $1,000.00.
Promotional rate · 3.67% interest rate · Effective Dec 11, 2025
Rate checked
More details - 3.70%APY$401 over 13 months on $10,000intro rate
Requirements
Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.
Offer: In-branch rate special; limited time offer
Promotional rate
Rate checked
More details - 3.60%APY$148 over 5 months on $10,000intro rate
Requirements
Product: Interest transferred monthly to a NOW Checking or Savings account; no compounding; automatic renewal defaults to a Total T Plus certificate; rate and APY fixed for the term; interest accrues from day of deposit to day of withdrawal; no deposits after opening except at maturity.
Offer: Published as 5 Month Special Certificate. Early withdrawal penalty is 30 days of interest, earned or not. APY accurate as of September 12, 2026. CD product page also describes a 6 Month Total T Special with the same features and asks callers for the current special term.
Promotional rate · 3.60% interest rate · Effective Sep 12, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026.
3.50% interest rate · Effective Oct 10, 2026
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More details - 3.53%APY$264 over 9 months on $10,000intro rate
Requirements
Offer: Special Rate
Promotional rate · 3.50% interest rate · Balance cap $249,000 · Effective Feb 2, 2025
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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 Chicago, IL
473 CDs at 48 banks and credit unions · checked Oct 16–22
- Typical
- 1.75%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.21%
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Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches