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 1–13 results in Centralia, IL metro
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. After account is opened, no deposits/withdrawals permitted until maturity date. Certificates automatically renew at maturity for same term at current market rate. Available on terms from 6 months to 60 months (and 3 month term). Option to choose whether dividends are compounded internally, paid by check, or deposited to another GenFed account.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 60 months · $1,000 min
Bank · 1 branch
4.23%APY$2,302 over 60 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
4.15% interest rate · Effective Sep 16, 2026
Rate checked
More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
Offer: Term: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.10% interest rate · Effective Jul 15, 2026
Rate checked
More details - Land of Lincoln Credit UnionShare Certificates (CDs)CD · 11 months · $10,000 min
Credit union · 1 branch
3.97%APY$363 over 11 months on $10,000Requirements
Offer: SPECIAL RATE: 11 MONTH. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.90% interest rate · Effective Sep 21, 2026
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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
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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
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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 - 1.50%APY$470 over 37 months on $10,000intro rate
Requirements
Product: Available on new money only. Minimum deposit is $1,000. Allows you to increase your rate to the current standard rate once during your term. Bumps will be made to the rate available for the term closest to, but no greater than, the number of months remaining on the Bump-Up Certificate. Will roll over into S1 Share Savings account at maturity. Penalty will be imposed for early withdrawal.
Offer: Available on new money only. Minimum deposit is $1,000. One rate increase can be requested and performed during the life of the certificate to a current standard rate.
Promotional rate · 1.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - Kaskaskia Valley Community Credit Union1 Year CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
1.01%APY$101 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change without notice.
1.00% interest rate · Effective Jan 1, 2026
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More details - Kaskaskia Valley Community Credit Union6 Month CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
0.75%APY$37 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Penalty for early withdrawal. Fees may reduce earnings. Rates are subject to change without notice.
0.75% interest rate · Effective Jan 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Centralia, IL metro
110 CDs at 8 banks and credit unions · checked Oct 6–16
- Typical
- 3.11%
- Top 10% from
- 3.79%
- Banks, typical
- 3.29%
- Credit unions, typical
- 2.00%
Is your bank paying you enough?
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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