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 1–15 results in Naperville, IL
- DuPage Credit UnionShare Savings CertificateCD · 9 months · $1,000 min · 3.82%–4.39% by balance
Credit union · 1 branch
4.39%APY$327 over 9 months on $10,000Requirements
Product: Must have a Credit Union membership established and be in good standing. Dividends compounded monthly and paid monthly. Early withdrawal penalties may apply. No monthly maintenance fees.
3.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Certificate Balance APY $1,000 and up 3.82% $10,000 and upYour amountLimited-time offer. At maturity, if set to automatically renew, it will renew as a standard 9-month certificate at the then-current rate. A 30 day loss of dividends penalty for early withdrawal. 4.39% Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location). Funds must remain on deposit until maturity. Early withdrawal penalties apply. At maturity, automatically renews into a CD with a different term at standard interest rate and APY.
Offer: New money only. Funds must remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY. Offer subject to change at any time.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Amount required to open varies by CD. Maximum $250,000.00. Funds must remain on deposit throughout the specified period; funds may not be added once opened. Interest compounded and credited quarterly. Early withdrawal subject to penalty.
Offer: 13-month CD. Rolls over into a 12-month term at maturity at the rate in effect at that time.
Promotional rate · Balance cap $250,000 · Effective Sep 24, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
Offer: PROMO 7 mo Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length.
Promotional rate · 3.78% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: Must be opened with new money, not already on deposit with Old Second National Bank. Minimum balance to open and obtain APY is $1,000. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month or 11 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made to the CD during the term. Fees could reduce earnings on the account. CD will automatically renew for a 7 month or 11 month fixed term at the rates and terms then in effect. 7 month and 11 month CDs not available for IRAs.
Offer: Must be opened with new money, not already on deposit with Old Second National Bank. Maximum deposit is $1,000,000 per tax ID. Money must remain on deposit for full 7 month term to receive stated APY. A penalty may be imposed for early withdrawal. Additions cannot be made during term. Fees could reduce earnings. CD will automatically renew for a 7 month fixed term. Not available for IRAs.
Promotional rate · 3.70% interest rate · Balance cap $1,000,000 · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.51%APY$1,883 over 60 months on $10,000
Requirements
Product: Dividends are paid monthly and at maturity. Early withdrawal penalty applies.
Offer: Ask how you can get .20 additional basis point on your next certificate.
3.45% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.01%APY$174 over 7 months on $10,000intro rate
Requirements
Product: Minimum deposit to open and earn interest is $1,000. Penalty may be imposed for early withdrawal. Fees may reduce earnings on account.
Offer: New money required. Available in branches only. Assumes principal and interest remain on deposit for the term of the certificate with monthly compounding and crediting of interest. Penalty may be imposed for early withdrawal. Fees may reduce account earnings. At maturity, CD will automatically renew in a similar term at the then prevailing rate.
Promotional rate · Balance cap $245,000 · Effective Jun 23, 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 Naperville, IL
241 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.75%
- Top 10% from
- 3.30%
- Banks, typical
- 0.50%
- Credit unions, typical
- 1.10%
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Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches