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 241–255 results in Illinois
- 3.55%APY$146 over 5 months on $10,000intro rate
Requirements
Product: 5 month CD reinvests as a 6 month CD. Penalty for early withdrawal.
Offer: 5 month CD reinvests as a 6 month CD. Penalty for early withdrawal. Assumes quarterly compounding and that interest will remain on deposit until maturity.
Promotional rate · Effective Oct 6, 2026
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More details - 3.55%APY$325 over 11 months on $10,000with conditions
Requirements
Product: Not available for Public Funds, Financial Institutions, or Individual Retirement Accounts. Maximum opening CD amount is $250,000. Only one CD per tax identification number. Deposits may be made throughout the term but cannot exceed the initial deposit amount. One penalty-free withdrawal allowed after 30 days from account opening. Automatically renews into a 12 month CD at maturity.
Offer: Reflects 0.20% bonus for opening and/or maintaining an FFBT checking account with a $1,000 minimum daily balance therein. Interest paid monthly.
Qualified rate · Balance cap $250,000 · Effective Jan 6, 2026
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More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: All certificate APYs listed are based upon quarterly compounding. $1,000.00 minimum deposit to earn APY disclosed.
Offer: Based upon quarterly compounding. $1,000.00 minimum deposit to earn APY disclosed.
3.50% interest rate
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More details - 3.55%APY$355 over 1 year on $10,000
3.50% interest rate
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More details - 3.55%APY$537 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $500. Dividends are compounded quarterly using the daily balance method. Monthly dividend payments are available for balances of $10,000 or more. Early withdrawal from a Certificate of Deposit will incur a penalty.
3.50% interest rate · Compounded quarterly · Effective Apr 1, 2026
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More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Rates current for approved customers. Rates are subject to change. Mandatory penalty for early withdrawal. Interest is credited monthly.
Offer: Interest is credited monthly. Subject to early withdrawal penalty.
3.50% interest rate · Effective Sep 28, 2026
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More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 10, 2026.
3.50% interest rate · Effective Oct 10, 2026
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More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly.
3.50% interest rate · Compounded quarterly · Effective Jan 13, 2026
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More details - 3.53%APY$264 over 9 months on $10,000intro rate
Requirements
Offer: Special Rate
Promotional rate · 3.50% interest rate · Balance cap $249,000 · Effective Feb 2, 2025
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More details - 3.52%APY$204 over 7 months on $10,000
Requirements
Product: Rates subject to change without notice. Interest is compounded and credited quarterly. Rates are fixed for the initial term. A penalty may be imposed for early withdrawal. Account fees could reduce earnings. Minimum balance is required to obtain the stated APY.
3.47% interest rate · Effective Oct 16, 2026
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More details - 3.52%APY$263 over 9 months on $10,000
Requirements
Product: The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full period until maturity. Some accounts may require a Minimum Balance to open and/or a minimum daily balance. A penalty may be imposed for early withdrawal.
Offer: Special CD. Compounding: At Maturity. Minimum balance to obtain APY: $10,000.
3.50% interest rate · Effective Nov 6, 2025
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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
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More details - 3.51%APY$381 over 13 months on $10,000intro rate
Requirements
Offer: Initial Annual Percentage Yield when all conditions are met
Promotional rate · 3.46% interest rate · Effective May 14, 2026
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More details - 3.51%APY$1,883 over 60 months on $10,000
Requirements
Product: Dividends are paid monthly and at maturity. Early withdrawal penalty applies.
Offer: Ask how you can get .20 additional basis point on your next certificate.
3.45% interest rate · Effective Dec 18, 2025
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More details - 3.50%APY$87 over 3.033333333333333 months on $10,000intro rate
Requirements
Product: New money only. Substantial penalty will be imposed for early withdrawal. Automatically renews at a Regular 90 Day CD and rate at that time.
Offer: New money only. Substantial penalty for early withdrawal. Automatically renews at a Regular 90 Day CD and rate at that time.
Promotional rate · 3.44% interest rate · Effective Jan 12, 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 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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Find your bank or credit union to see all its rates and how they compare near you.
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