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 271–285 results in Illinois
- Peoria Hiway CUShare Certificates of DepositCD · 24 months · $1,000 min · 3.44%–3.75% by balance
Credit union · 1 branch
3.44%APY$700 over 24 months on $10,000Requirements
Product: Minimum Share Certificate investment - $1,000.00 Regular Share Certificates, $50,000.00 Jumbo Share Certificates. Early Withdrawal Penalties Apply. Dividends are Compounded and Credited Quarterly. Dividend Period is Quarterly.
3.40% interest rate
Rate by balance
Rate by balance for Share Certificates of Deposit Balance APY Any balanceYour amount 3.44% $50,000 and upJumbo (>$50,000) 3.75% Rate checked
More details - 3.44%APY$1,842 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty of 91 days of interest.
3.40% interest rate
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 2026
Rate checked
More details - 3.40%APY$170 over 6.066666666666666 months on $10,000
Requirements
Product: Interest is compounded daily and credited monthly on all certificates. A penalty may be imposed for early withdrawal. For as little as $500, you can open your CD.
Offer: 182 days term. Penalty applied for early withdrawal based on length of term.
3.34% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · 1 branch
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Interest compounded daily. Early withdrawal penalties apply.
Offer: Interest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs.
3.30% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$81 over 3 months on $10,000intro rate
Requirements
Product: Accepting new funds only. Must indicate deposit is for Preferred Shares. Rate to be paid at end of quarter (9-30-2026). Entire account balance withdrawal permitted after end of term with 30 days notice before end of quarter. Automatic renewal for next quarter unless withdrawn during 10-day grace period.
Offer: Accepting new funds only. Rate to be paid at end of quarter 9-30-2026. 30 days notice before end of quarter required for withdrawal. 10-day grace period after quarter end.
Promotional rate · 3.25% interest rate
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Offer: No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. 6 month CD will renew into the same 6 month term with rate determined at time of renewal.
Effective Aug 24, 2026
Rate checked
More details - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
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 - Harvard Community Credit UnionCertificates of DepositCD · 9 months · $1,000 min
Credit union · 1 branch
3.30%APY$246 over 9 months on $10,000Requirements
Product: Will match competitor CD rates upon proof of rate with same requirements, only within membership area. Rates may change at any time with or without notice.
3.25% interest rate
Rate checked
More details - 3.30%APY$274 over 10 months on $10,000intro rate
Requirements
Product: Promotional CD specials. A penalty may be imposed for early withdrawal. Rates subject to change without notice.
Offer: CD Special; min. balance to earn APY $1,000.00.
Promotional rate · 3.25% interest rate · Effective Jun 6, 2026
Rate checked
More details - Maroon Financial Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 2 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Fixed rates; higher rates for longer terms. No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Early withdrawal penalty for CDs with terms greater than 6 months is 180 days worth of interest.
3.25% interest rate · Effective Jul 28, 2026
Rate checked
More details - Funeral Service Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.20%–3.45% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Terms range from 6 months up to 60 months. $1,000 minimum to open. Interest/dividends paid at maturity for terms up to 1 year, and twice annually (6/30 & 12/31) for 2 and 3 year certificates. Dividend checks may be mailed or transferred to a designated account. Certificates can be used as collateral to secure a lower loan rate.
Offer: Interest paid at maturity.
3.15% interest rate · Effective Aug 18, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.20% $10,000 and upYour amount 3.30% $50,000 and up 3.35% $99,000 and up 3.45% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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