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 Springfield, IL
- 3.25%APY$325 over 1 year on $10,000
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.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 2026
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
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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 · 5 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 - 2.75%APY$848 over 36 months on $10,000
Requirements
Product: Minimum deposit of $500 required to open. Dividends are paid monthly. Early withdrawal penalty of 90 days of dividends may apply.
Offer: Subject to an early withdrawal penalty of 90 days of dividends.
2.71% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.37%APY$603 over 30 months on $10,000
Requirements
Product: 15 and 30 month terms available. Unlimited additional deposits can be made to the CD during the term ($100 minimum deposit amount for additional deposits). One withdrawal of up to 1/2 current principal balance can be made during the term of the CD with no penalty. Possible penalty for early withdrawal of entire balance. Maintenance or activity fees could reduce earnings on the account.
Offer: Unlimited additional deposits during term ($100 min). One penalty-free withdrawal up to 1/2 principal. Possible penalty for early withdrawal of entire balance. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty equal to 182 days interest on the amount withdrawn.
2.35% interest rate · Effective Dec 16, 2025
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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
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More details - 2.07%APY$207 over 1 year on $10,000
Requirements
Product: Our Future Me CD allows you to save for a goal. With a smaller beginning deposit than our typical CD's and the ability to make deposits, this is an easy investment in YOU! Federally insured by NCUA.
2.05% interest rate · Effective Oct 16, 2026
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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
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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 - 1.41%APY$725 over 60 months on $10,000
Requirements
Product: All rates subject to change. Annual percentage yield assumes interest remains on deposit until maturity. Daily balance method used to calculate interest. Additional deposits and principal withdrawals not permitted prior to maturity. Automatic renewal with a 10-day grace period. Early withdrawal penalties apply.
Offer: CD 5 Year. Compound APY. Compounded and credited quarterly. Earned interest must be greater than $10.00 to withdraw; otherwise it is compounded. Automatically renews for a 60-month term.
Effective May 1, 2026
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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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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