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 286–300 results in Illinois
- U of I Community Credit Union33-Month Add-on CertificateCD · 33 months · $100 min
Credit union · 8 branches
3.30%APY$934 over 33 months on $10,000Requirements
Product: Limit one per person. Minimum opening deposit $100. Additional deposits allowed during term with a minimum of $25. Total balance may not exceed $100,000; excess funds moved automatically to primary share account. No Loyalty Checking bonus. At maturity converts to a 36 month Silver Share Certificate. Early withdrawal penalty of 180 day dividend.
Offer: Limit one per person. Minimum $100 opening deposit, $25 minimum add-on deposit, maximum balance $100,000. Early withdrawal penalty of 180 day dividend.
3.26% interest rate · Balance cap $100,000
Rate checked
More details - ABD Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.29%–4.06% by balance
Credit union · 1 branch
3.29%APY$329 over 1 year on $10,000Requirements
Product: All accounts must maintain the minimum balance stated to receive dividends. A penalty equal to 90 days interest may apply for early withdrawal on Certificate of Deposit Accounts. Dividends are paid quarterly starting from the issue date.
3.25% interest rate · Effective Nov 25, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.29% $50,000 and up 4.06% Rate checked
More details - 3.29%APY$357 over 13 months on $10,000
Requirements
Product: Minimum initial deposit is $500.00. Certificates withdrawn prior to maturity date may be subject to early withdrawal penalty, which may reduce earnings. APY assumes interest remains on deposit until maturity.
Offer: Special certificate offer. Interest paid quarterly.
3.25% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.29%APY$843 over 30 months on $10,000
Requirements
Product: Must come in to bank to complete account opening process. Substantial penalty for early withdrawal.
Offer: Interest Compounded Quarterly; 6 Month Interest Penalty
3.25% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - 3.28%APY$356 over 13 months on $10,000
Requirements
Product: Available on both new and renewal accounts. APY assumes all interest remains on deposit until maturity; withdrawal of interest will reduce earnings. A penalty may apply for early withdrawal. Fees may reduce earnings on the account.
3.25% interest rate · Effective Apr 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.25% interest rate · Effective Sep 1, 2026
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More details - Midwest Coalition of Labor Credit Union (MCL)6 Month CDCD · 6 months · $1,000 min · 2.50%–3.50% by balance
Credit union · 1 branch
3.25%APY$161 over 6 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.
2.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 6 Month CD Balance APY $1,000 and up 2.50% $10,000 and upYour amountMinimum deposit $10,000. 3.25% $50,000 and upMinimum deposit $50,000. 3.50% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Interest rates on CDs are variable, and may change immediately after opening the account. The bank may impose a penalty for early withdrawal of a CD. Longview Bank reserves the right to limit deposits.
Offer: Minimum Balance to Obtain APY is $500.
3.21% interest rate · Effective Oct 15, 2026
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More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 2026
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More details - Midwest Coalition of Labor Credit Union (MCL)12 Month CDCD · 12 months · $1,000 min · 2.50%–3.75% by balance
Credit union · 1 branch
3.25%APY$325 over 1 year 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.
2.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 12 Month CD Balance APY $1,000 and up 2.50% $10,000 and upYour amountMinimum deposit $10,000. 3.25% $50,000 and upMinimum deposit $50,000. 3.75% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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
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More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.21%APY$240 over 9 months on $10,000intro rate
Requirements
Product: Temporary offer. Automatically renewable; at maturity term changes to 12 months at the 12-month CD rate then in effect. Interest credited and compounded at maturity. Early withdrawal penalty of 90 days interest.
Offer: APY assumes interest is added to deposit upon payment. APY calculated based on a term of 365 days. Must maintain minimum opening balance.
Promotional rate · 3.20% interest rate · Effective Jul 15, 2026
Rate checked
More details - 3.20%APY$266 over 10 months on $10,000intro rate
Requirements
Product: Promotional special CD. Available to individuals who live in the Illinois service area. APYs and interest rates accurate as of 2026-09-15 and subject to change. Early-withdrawal penalty may apply. Fees may reduce earnings. No monthly fees beyond the opening deposit. $200,000 maximum deposit for new customers and $350,000 maximum for existing customers on special promo rate CD terms.
Offer: Minimum $5,000 to open and earn APY. Promo-rate deposit caps: $200,000 new customers; $350,000 existing customers.
Promotional rate · 3.15% interest rate · Effective Sep 15, 2026
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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