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 256–270 results in Illinois
- 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Joliet Municipal Employees Federal Credit UnionCertificate Disclosure (CD)CD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Minimum $1,000. All Rates Subject to Change.
3.46% interest rate
Rate checked
More details - Northern Illinois Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Fixed-term investment (6 or 12 months). Member must complete deposit of $25 in regular share account as a condition of membership. 90-day dividend early withdrawal penalty applies.
Effective Jul 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: NEW MONEY ONLY. Penalty for early withdrawal 90 days interest. The Harvest 13 Month CD will automatically renew into a regular 12 Month CD and rate at that time.
Offer: NEW MONEY ONLY. Minimum Opening Deposit $10,000.00. A substantial penalty will be imposed for early withdrawal (90 days interest). The Harvest 13 Month CD will automatically renew at a Regular 12 Month CD and rate at that time.
Promotional rate · 3.50% interest rate · Effective Jan 12, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Applicable to consumers only. No Individual Retirement Accounts (IRAs). Unlimited deposits of $1,000 or more allowed during the initial term.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)24 Month CDCD · 24 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$712 over 24 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 24 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.50%APY$1,087 over 36 months on $10,000
Requirements
Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.
3.44% interest rate
Rate checked
More details - Midwest Coalition of Labor Credit Union (MCL)36 Month CDCD · 36 months · $1,000 min · 2.75%–3.75% by balance
Credit union · 1 branch
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
Offer: Minimum deposit $1,000.
2.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $1,000 and up 2.75% $10,000 and upYour amountMinimum deposit $10,000. 3.50% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.49%APY$144 over 5 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal.
Offer: Special
3.44% interest rate · Effective May 1, 2026
Rate checked
More details - 3.49%APY$261 over 9 months on $10,000
Requirements
Product: Early withdrawals on CDs are subject to penalty and may affect the annual percentage yields. Fees charged may reduce earnings.
Offer: Special rate. Early withdrawals are subject to penalty.
3.45% interest rate · Effective May 15, 2025
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Early withdrawals subject to penalty. Monthly compounding. Minimum deposit to open is $500. No setup or maintenance fees. Available at all Peoples National Bank locations. Trade Up option available one-time during initial term on Trade-Up CDs. 3 in 1 CD allows adding funds anytime and penalty-free withdrawals.
Offer: CD Special. Monthly compounding. Minimum deposit to open and obtain the APY is $500. Early withdrawal penalty may apply.
Effective Sep 29, 2026
Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 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 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%
Is your bank paying you enough?
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