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 151–165 results in Illinois
- Barrington Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 9 branches
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). 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. Assumes funds remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - Northbrook Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 7 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: New money only. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate in effect.
Offer: New money only. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard rate in effect. Assumes funds remain on deposit until maturity.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Amount required to open varies by CD. Maximum $250,000.00. Funds must remain on deposit throughout the specified period; funds may not be added once opened. Interest compounded and credited quarterly. Early withdrawal subject to penalty.
Offer: 13-month CD. Rolls over into a 12-month term at maturity at the rate in effect at that time.
Promotional rate · Balance cap $250,000 · Effective Sep 24, 2026
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More details - 4.00%APY$641 over 19 months on $10,000
Requirements
Offer: Early withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate.
3.94% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.93% interest rate · Effective Jul 31, 2026
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More details - 3.98%APY$230 over 7 months on $10,000intro rate
Requirements
Product: Dividends will be credited at maturity.
Offer: Dividends will be credited at maturity.
Promotional rate · 3.95% interest rate · Effective Nov 28, 2025
Rate checked
More details - Land of Lincoln Credit UnionShare Certificates (CDs)CD · 11 months · $10,000 min
Credit union · 14 branches
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
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More details - 3.97%APY$810 over 24 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
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More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 30 months · $500 min
Credit union · 4 branches
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
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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
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More details - 3.96%APY$808 over 24 months on $10,000
Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
3.90% interest rate · Effective Oct 16, 2026
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More details - 3.95%APY$1,232 over 36 months on $10,000intro rate
Requirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 365 days' worth of interest.
Promotional rate · 3.89% interest rate · Compounded monthly · Effective Jul 20, 2026
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More details - 3.92%APY$194 over 6 months on $10,000
Requirements
Product: $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
Offer: Dividend frequency: Monthly.
3.85% interest rate · Effective Mar 23, 2026
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More details - 3.92%APY$425 over 13 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Rates subject to change without notice.
Offer: Special Certificate rate.
3.86% interest rate · Effective Sep 25, 2026
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More details - 3.91%APY$491 over 15 months on $10,000
Requirements
Product: Interest compounded quarterly. Early withdrawal penalties apply. No deposits permitted before maturity.
Offer: 15 Months CD Special. Interest compounded quarterly.
3.85% interest rate · Compounded quarterly · Effective Dec 17, 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 Illinois
2,748 CDs at 307 banks and credit unions · checked Oct 16–23
- Typical
- 2.57%
- Top 10% from
- 4.00%
- Banks, typical
- 2.22%
- Credit unions, typical
- 3.00%
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Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch