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 Gurnee, IL
- 4.61%APY$422 over 11 months on $10,000with conditions
Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionCertificatesCD · 20 months · $500 min
Credit union · 1 branch
4.50%APY$761 over 20 months on $10,000Requirements
Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
Offer: Special certificate rate; early withdrawal penalty may apply.
4.41% interest rate · Effective Feb 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.35%APY$251 over 7 months on $10,000
Requirements
Product: Dividends compound daily and credit monthly. Requires membership with a $5.00 par value share in a Membership Share Savings account. Early withdrawal penalties apply.
Offer: Promotional term certificate. Automatically rolls over into a 1-year standard certificate at maturity unless changed within a 10-day grace period.
4.26% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - Abbott Laboratories Employees Credit UnionVariable Rate CertificateCD · 24 months · $500 min
Credit union · 1 branch
4.17%APY$851 over 24 months on $10,000Requirements
Product: Variable rate based on 13-week Treasury Bill + 0.15% (0% APY floor). Early withdrawal penalty may apply.
Offer: Variable rate based on 13-week Treasury Bill + 0.15%. Dividends paid monthly.
4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must meet credit union membership guidelines and have a primary savings account. Fixed dividend rate. Early withdrawal penalty applies (3 months interest on certificates of 12 months or less; 6 months interest on certificates of more than 12 months).
3.93% interest rate · Effective Sep 18, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - Libertyville Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 1 branch
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location). At maturity, automatically renews into a CD with a different term at standard interest rate and APY.
Offer: Requires new money deposit. Minimum daily balance of $0.01 required to obtain APY. Funds must remain on deposit until maturity. Early withdrawal penalties apply.
Promotional rate · Effective Jun 10, 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 - 3.75%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
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 Gurnee, IL
248 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 1.17%
- Top 10% from
- 4.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 2.64%
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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