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 376–390 results in Illinois
- 2.01%APY$100 over 6 months on $10,000
Requirements
Product: Minimum deposit of $500.00 is required to open a CD. To earn the annual percentage yield shown, entire balance must remain on deposit until maturity. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings and invade principal. Interest rate is fixed for term of certificate.
Offer: To earn the annual percentage yield shown, your entire balance must remain on deposit until maturity. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings and invade principal. Interest rate is fixed for term of certificate.
2.00% interest rate · Effective Sep 28, 2026
Rate checked
More details - 2.00%APY$100 over 6 months on $10,000
Requirements
Product: Dividends compounded daily. Minimum deposit and balance requirements vary by term. Add-on certificates available for specific terms.
2.00% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 6, 2026
Rate checked
More details - 2.00%APY$1,041 over 60 months on $10,000
Requirements
Product: Automatically renewable at maturity. 10-day grace period following maturity to withdraw without penalty. Interest is compounded quarterly and credited quarterly, excluding 90-day, which is credited at maturity. Early withdrawal penalty applies.
Offer: Interest is compounded quarterly and credited quarterly. Early withdrawal penalty applies.
1.99% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate checked
More details - 1.92%APY$520 over 32 months on $10,000intro rate
Requirements
Product: Can step-up rate once during term. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Offer: 32 Month term. Can step-up rate once during term. Early withdrawal may result in a penalty. Automatically renews at maturity.
Promotional rate · 1.90% interest rate
Rate checked
More details - Abri Credit Union$AVE TO WIN Share Certificate (CD)CD · 12 months · $25 min
Credit union · 8 branches
1.90%APY$190 over 1 year on $10,000Requirements
Product: Must be at least 18 years old, a legal resident of an eligible state, and a member at a participating credit union. Gives entries into monthly and quarterly prize raffles with every $25 deposit (up to 100 entries per month). 1 withdrawal allowed per 12-month term subject to $25 early withdrawal penalty. $25 early closure fee applies. 7-day grace period at maturity.
Offer: Dividends are compounded and paid monthly based on average daily balance.
Rate checked
More details - 1.90%APY$384 over 24 months on $10,000
Requirements
Product: Add-on CD with unlimited deposits throughout the term. $50 minimum deposit to open. Interest/dividends compounded and paid monthly. No Advantage Plus Rewards incentive may be applied. Early withdrawal will reduce earnings.
Offer: Dividends compounded and paid monthly. No Advantage Plus Rewards incentive may be applied.
1.88% interest rate
Rate checked
More details - 1.85%APY$761 over 48 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
Offer: Next 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal.
Promotional rate · 1.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
Offer: Penalty will be imposed for early withdrawal.
1.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for CD Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up 1.95% Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.85% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (5 year) Balance APY $1,000 – $100,000Your amount 1.85% $100,000 and up$100k+ balance tier. 1.95% Rate checked
More details - 1.85%APY$960 over 60 months on $10,000
- Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 24 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - First National Bank of Brownstown60 Month Certificate of DepositCD · 60 months · $1,000 min
Bank · 1 branch
1.76%APY$912 over 60 months on $10,0001.75% interest rate · Effective Sep 29, 2026
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More details - 1.75%APY$443 over 30 months on $10,000
1.71% interest rate · Effective Feb 3, 2026
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More details - 1.65%APY$590 over 42 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (42 Mos) Balance APY $1,000 – $100,000Your amount 1.65% $100,000 and up$100k+ balance tier. 1.75% Rate checked
More details - 1.61%APY$121 over 9 months on $10,000
Requirements
Product: If minimum balance of $5,000 is not maintained, the account may be closed or transferred. Penalty-free withdrawals may be made 3 times a month in person at a branch; otherwise CD early withdrawal penalty applies. Guaranteed rate for 9 months. Automatically renews at maturity. May not be opened as IRA accounts.
Offer: Must maintain a minimum daily balance of $5,000 to earn APY and retain account. Penalty-free withdrawals allowed 3 times per month in person at a branch.
1.60% interest rate · Effective Sep 29, 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
2,754 CDs at 306 banks and credit unions · checked Oct 22–24
- Typical
- 2.61%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.01%
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