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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Wheaton, IL
- DuPage Credit UnionShare Savings CertificateCD · 9 months · $1,000 min · 3.82%–4.39% by balance
Credit union · 1 branch
4.39%APY$327 over 9 months on $10,000Requirements
Product: Must have a Credit Union membership established and be in good standing. Dividends compounded monthly and paid monthly. Early withdrawal penalties may apply. No monthly maintenance fees.
3.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Certificate Balance APY $1,000 and up 3.82% $10,000 and upYour amountLimited-time offer. At maturity, if set to automatically renew, it will renew as a standard 9-month certificate at the then-current rate. A 30 day loss of dividends penalty for early withdrawal. 4.39% Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited time CD Rate Special. Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Offer: Offer for New Money Only. Not available for Brokers / Agents / Public Entities / Financial Institutions. Interest compounded quarterly. Early withdrawal penalties may apply.
Promotional rate · Compounded quarterly · Effective Sep 17, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 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 - 4.05%APY$268 over 8 months on $10,000intro rate
Requirements
Product: Quarterly compounding. Limited time offer which may be withdrawn at any time and cannot be combined with other offers. Penalty for early withdrawal may reduce account earnings. Assumes interest remains on deposit until maturity.
Offer: Upon maturity, will automatically renew into a 6-month fixed rate certificate earning the then current APY of the 6-month CD, unless otherwise directed by customer.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location). Funds must remain on deposit until maturity. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard interest rate and APY.
Offer: New money only. Funds must remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY. Offer subject to change at any time.
Promotional rate · Effective Jun 10, 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
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 - 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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawals. To open a CD please visit one of our branches.
Offer: Penalty may be imposed for early withdrawal.
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$1 over 3 months on $10,000
Requirements
Product: Must maintain minimum balance in account each day to obtain APY. APY assumes principal and interest remain on deposit until maturity. Interest compounded quarterly. A penalty may be imposed for early withdrawal.
Offer: 90 Days term. Interest compounded quarterly.
0.05% interest rate · Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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 Wheaton, IL
134 CDs at 9 banks and credit unions · checked Oct 4–22
- Typical
- 0.08%
- Top 10% from
- 3.50%
- Banks, typical
- 0.05%
- Credit unions, typical
- 1.00%
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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