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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.

Term
Location

Top CD rates

Showing 1–11 results in Effingham, IL metro

  1. Crossroads BankCertificates of Deposit (CDs)CD · 17 months · $2,000 min

    Bank · 2 branches

    4.10%APY$586 over 17 months on $10,000
  2. First State Bank of Beecher CityCertificates of DepositCD · 12 months · $500 min

    Bank · 1 branch

    4.08%APY$408 over 1 year on $10,000
  3. Land of Lincoln Credit UnionShare Certificates (CDs)CD · 11 months · $10,000 min

    Credit union · 2 branches

    3.97%APY$363 over 11 months on $10,000
  4. First National Bank of WaterlooCertificate of DepositCD · 24 months · $1,000 min

    Bank · 1 branch

    3.96%APY$808 over 24 months on $10,000
  5. Teutopolis State BankCertificates of DepositCD · 18 months · $500 min

    Bank · 2 branches

    3.79%APY$574 over 18 months on $10,000
  6. Washington Savings BankCertificates of DepositCD · 48 months · $1,000 min

    Bank · 2 branches

    3.75%APY$1,587 over 48 months on $10,000
  7. Dieterich BankCertificates of Deposit (CDs)CD · 12 months · $500 min

    Bank · 5 branches

    3.70%APY$370 over 1 year on $10,000
  8. Constitution BankCertificates of DepositCD · 60 months · $1,000 min

    Bank · 1 branch

    3.35%APY$1,791 over 60 months on $10,000
  9. First Mid Bank & TrustCertificates of DepositCD · 24 months · $1,000 min

    Bank · 3 branches

    2.75%APY$558 over 24 months on $10,000
  10. Dieterich BankDuo CDCD · 16 months · $5,000 min

    Bank · 5 branches

    0.85%APY$113 over 16 months on $10,000with conditions
  11. Teutopolis State BankSunny Day CD (12 Mos.)CD · 12 months · $25 min

    Bank · 2 branches

    0.55%APY$55 over 1 year on $10,000

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 Effingham, IL metro

97 CDs at 9 banks and credit unions · checked Oct 16–17

Typical
3.20%
Top 10% from
3.82%
Banks, typical
3.25%
Credit unions, typical
2.77%

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Illinois

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Bloomington Municipal Credit UnionCredit union · 1 branch
  2. First Community Credit UnionCredit union · 7 branches
  3. Acme Continental Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate