Best CD rates and certificates

Requirements

Product: $25 minimum deposit required. Every $25 deposited counts as entry into monthly and quarterly prize drawings. No monthly service fee. Early withdrawal penalty applies per account terms.

Offer: Every $25 deposited counts as entry into monthly and quarterly prize drawings.

Requirements

Product: 12-month share certificate. Must be 18 years or older. Every $25 deposit earns an entry into prize drawings (up to 100 entries per month, 300 per quarter).

Offer: Earns monthly dividends. $25 minimum balance required.

Requirements

Product: No setup or maintenance fees. Early withdrawals subject to penalty.

Offer: Early withdrawal penalty: 180 Days.

Requirements

Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.

Requirements

Offer: Quarterly compounding

Requirements

Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.

Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.

Requirements

Product: Early withdrawal penalties may apply. Interest can be paid monthly to another account, compounded quarterly on the CD, or paid at maturity.

Offer: A penalty may be imposed for early withdrawal.

Requirements

Product: A penalty may be imposed for early withdrawal. Rates are accurate as of October 1, 2026 and are subject to change at any time.

Offer: 60 Month term. A penalty may be imposed for early withdrawal.

Requirements

Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.

Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.

Requirements

Product: CDs will automatically renew at maturity unless you designate a fixed maturity. Substantial penalty for early withdrawal. Rates on CDs are fixed for the term of the certificate.

Offer: Rates on CDs are fixed for the term of the certificate. Substantial penalty for early withdrawal.

Requirements

Product: You may close out the 11 Month Flex CD or make withdrawals in increments of $1,000 without penalty after the account has been open for 8 days. Penalty may be imposed for early withdrawal if made within the first 7 days.

Offer: You may close out the CD or make withdrawals in increments of $1,000 without penalty after the account has been open for 8 days. A penalty may be imposed for early withdrawal if made within the first seven days after account opening. APY assumes quarterly compounding and that interest will remain on deposit until maturity.

Requirements

Product: $25 minimum deposit required in a share savings account to establish credit union membership. Dividends compounded and credited monthly. Calculated by daily balance method. APY assumes dividends remain until maturity. Penalties may be imposed for early withdrawal. Automatically renews at maturity.

Requirements

Product: Share certificates/term certificates; dividends paid at maturity and may be added to the certificate or transferred to other savings. Transfers from regular savings allowed at any time.

Offer: Dividends paid at maturity.