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 Springfield, IL
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
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 - 4.18%APY$418 over 1 year on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.10%APY$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
Rate checked
More details - Land of Lincoln Credit UnionShare Certificates (CDs)CD · 11 months · $10,000 min
Credit union · 1 branch
3.97%APY$363 over 11 months on $10,000Requirements
Offer: SPECIAL RATE: 11 MONTH. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.90% interest rate · Effective Sep 21, 2026
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 30 months · $500 min
Credit union · 1 branch
3.97%APY$1,022 over 30 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.
3.90% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 3.96%APY$430 over 13 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: CD Special. Penalty may be imposed for early withdrawal.
Promotional rate · 3.95% interest rate · Effective Sep 21, 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 - 3.74%APY$406 over 13 months on $10,000with conditions
Requirements
Product: Interest compounded and credited annually. Penalty for early withdrawal. Rates current as of 10/6/2026.
Offer: Relationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period.
Qualified rate · 3.74% interest rate · Effective Oct 6, 2026
Rate checked
More details - Morton Community BankCertificate SpecialsCD · 14 months · $10,000 min · 3.73%–3.79% by balance
Bank · 5 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 - 3.71%APY$403 over 13 months on $10,000
Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: Minimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members.
3.65% interest rate · Effective Oct 14, 2026
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More details - 3.51%APY$87 over 3 months on $10,000
Requirements
Offer: Minimum Deposit $1,000.00.
3.45% interest rate · Effective Oct 16, 2026
Rate checked
More details - Springfield City Employees Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. Dividends are paid on a monthly basis and at maturity. Early withdrawals limit the interest rate to lowest interest paid.
Offer: Minimum deposit $1,000.
3.50% interest rate
Rate checked
More details - 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 - Funeral Service Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.20%–3.45% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Terms range from 6 months up to 60 months. $1,000 minimum to open. Interest/dividends paid at maturity for terms up to 1 year, and twice annually (6/30 & 12/31) for 2 and 3 year certificates. Dividend checks may be mailed or transferred to a designated account. Certificates can be used as collateral to secure a lower loan rate.
Offer: Interest paid at maturity.
3.15% interest rate · Effective Aug 18, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.20% $10,000 and upYour amount 3.30% $50,000 and up 3.35% $99,000 and up 3.45% 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 Springfield, IL
296 CDs at 21 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.71%
- Banks, typical
- 1.22%
- Credit unions, typical
- 3.30%
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Springfield, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cooperative Choice Network Credit UnionCredit union · 1 branch
- Heartland Credit UnionCredit union · 3 branches
- Illinois Educators CUCredit union · 2 branches