Illinois Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Illinois CD rates include United Fidelity BankUnited Fidelity Bank126 N Grand Ave, Cowden, IL 62422A+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY, Vibrant Credit UnionVibrant Credit Union4400 16th St, Moline, IL 61265A-5.0 ★Texas Ratio: 14.65%Real return: +1.45%APY minus CPI (February 2026) offering 6-month cd at 4.25% APY, Rock Valley Credit UnionRock Valley Credit Union1201 Clifford Ave, Loves Park, IL 61111A+5.0 ★Texas Ratio: 5.27%Real return: +1.45%APY minus CPI (February 2026) offering 6 Mo. at 4.25% APY, The FNB Community BankThe FNB Community Bank227 S Superior St, Ramsey, IL 62080A+5.0 ★Texas Ratio: 1.61%Real return: +1.36%APY minus CPI (February 2026) offering 24 months at 4.16% APY, and CIBCCIBC3040 W 111th Street, Chicago, IL 60655A+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 12-month CD at 4.15% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Illinois side-by-side. Illinois CD rates currently reach as high as 4.50% APY from United Fidelity Bank at 126 N Grand Ave, Cowden, IL 62422. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in Illinois
Illinois 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
201 E Main St, Collinsville, IL 62234
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days)
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
CD 3 Months (91 Days)
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
3 Month Certificate
$5,000
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
3 Months
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month CD
$500
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Account matures in 3 months.
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
3 Month
$0
3.53%
▲ 1.57% above national avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.57% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
3 months
$0
3.53%
▲ 1.57% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.57% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
3 months
$0
3.51%
▲ 1.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.55% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
3 Month CD
$1,000
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
3-Month
$0
3.45%
▲ 1.49% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
3 month CD
$500
3.45%
▲ 1.49% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
801 State St, Quincy, IL 62301
3 Month
$1,000
3.44%
▲ 1.48% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.48% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
801 State St, Quincy, IL 62301
90 Day / 3 Month
$1,000
3.44%
▲ 1.48% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.48% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates or Greater
$0
3.43%
▲ 1.47% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.47% above avg
Details
$50,000.00
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
3 month
$0
3.40%
▲ 1.44% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.19% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates to
$0
3.07%
▲ 1.11% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.11% above avg
Details
$49,999.99; $1,000.00
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Months
$1,000
3.05%
▲ 1.09% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.09% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
3 Months
$0
3.03%
▲ 1.07% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
91 Day CD (3 Months)
$0
3.03%
▲ 1.07% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.07% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.00%
▲ 1.04% above national avg
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
300 S 7th St Ste B4, Springfield, IL 62701 1929
Certificates of Deposit - 90 Days
$0
3.00%
▲ 1.04% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
3 Months
$1,000
2.98%
▲ 1.02% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.02% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
3 Month
$0
2.94%
▲ 0.98% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.98% above avg
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$100,000
2.80%
▲ 0.84% above national avg
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.84% above avg
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$1,000
2.75%
▲ 0.79% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
102 S East Ave, Ogden, IL 61859
3-month CD
$0
2.75%
▲ 0.79% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 0.79% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
3 Month CD
$0
2.52%
▲ 0.56% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.56% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
3 Month
$0
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Interest Paid at maturity; 3 Month Interest Penalty
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
3-Month CD
$0
2.00%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
90-Day
$5,000
1.55%
▼ 0.41% below national avg
▼
Rate1.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.41% below avg
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
3 Month
$0
1.51%
▼ 0.45% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.45% below avg
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
3 Month Certificate of Deposit
$1,000
1.46%
▼ 0.50% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.50% below avg
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
3 month CD
$1,000
1.41%
▼ 0.55% below national avg
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.55% below avg
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
650 Northwest Hwy, Cary, IL 60013 2073
Business Regular CD 3-Month
$0
1.30%
▼ 0.66% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.66% below avg
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
3 Month CD
$1,000
1.26%
▼ 0.70% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.70% below avg
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
3 Month
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Credit Frequency: Quarterly
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1132 Broadway St, Quincy, IL 62301
3 MONTHS CD
$2,500
1.16%
▼ 0.80% below national avg
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.80% below avg
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
3 month
$500
1.02%
▼ 0.94% below national avg
▼
Rate1.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.94% below avg
Details
Illinois 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
6-Month CD
$1,000
4.35%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.68% above avg
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
6-month cd
$5
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL 61111
6 Mo.
$1,000
4.25%
▲ 1.58% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 months
$500
4.10%
▲ 1.43% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
6 Months
$2,500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 6 Months
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
6 month
$1,000
3.84%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.17% above avg
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
6 Month
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
6 month CD
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 6 months
$0
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.12% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 6 Month Renewal
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month
$2,500
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month IRA
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6 Months
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6-month CD special
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Penalty for early withdrawal. No compounding, interest paid at maturity.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days)
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
CD 6 Months (182 Days)
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
6-MO CD
$1,000
3.71%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.04% above avg
Details
This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month
$2,500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
6 Months - Diamond
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
6 Months
$2,500
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 1 Month Interest
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
6 Months
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term
$2,500
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
6 Months - Platinum
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 6 Month Special
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Balance: $150,000.00 - $250,000.00
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
6 months
$0
3.62%
▲ 0.95% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.95% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
6-Month CD
$2,000
3.60%
▲ 0.93% above national avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
949 S Ridgeland Ave, Oak Park, IL 60304 2113
6-month
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
6 months
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
APY=Annual Percentage Yield.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
6-Month
$0
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 6 Month
$0
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL 60661
6-Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
6 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Certificate of Deposit
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Fixed Rate CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
6 Month CD
$1,000
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Illinois 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
12-Month CD
$1,000
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.57% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Featured rate
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
4.10%
▲ 1.27% above national avg
▼
Rate4.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
12 Month Certificate
$500
4.10%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
12 Months
$2,500
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 12 Months
$1,000
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
302 Main St, Savanna, IL 61074
10-month special, with rollover into 12-month at time of maturity
$5,000
4.00%
▲ 1.17% above national avg
▼
Rate3.99%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 months (1 year)
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
12 Month CD
$0
3.99%
▲ 1.16% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.16% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
12-Month
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
12 months
$1,000
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.13% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 12 Month Special
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Balance: $150,000.00 - $250,000.00
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL 62221 3354
1 Year Certificate
$500
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
12 Month CD
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
12 Months
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.06% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
12 months CD
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate of Deposit
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.99% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 12 Month Renewal
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
12 Months
$1,000
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
12 Month Certificate of Deposit
$500
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
115 N 4th St, Coulterville, IL 62237
12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL 60532
12 mo. term
$25,000
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Jumbo Certificate; For "new money" only (Does not apply to funds already on deposit with MEFCU)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL 60532
12 mo. term Jumbo Certificate of Deposit
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$0
3.78%
▲ 0.95% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.95% above avg
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL 61265 3652
12 Month Certificate
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.93% above avg
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
12 Months
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
YOUth Boost 12-Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special
$3,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 12 Month Special
$3,000
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
12-Month CD
$100,000
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
12 Month Share Certificate
$0
3.67%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.84% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
3.66%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
APY=Annual Percentage Yield.
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
Large Depositor Special - 12 Month
$250,000
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
Relationship Special 12 Month
$10,000
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
12 month
$1,000
3.64%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.81% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 12 Month
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.78% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
12-Month CD
$2,000
3.60%
▲ 0.77% above national avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
12 Mo. CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Quarterly Compound
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
12 Months
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 1 Month Interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
12-Month
$20,000
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
12 Month Certificate
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Illinois 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
18-Month CD
$1,000
4.50%
▲ 1.82% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.82% above avg
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
18 Months
$1,000
4.15%
▲ 1.47% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Calculated Daily, Compounded Semi-annually
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
18-Month
$0
4.07%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
18 months
$1,000
4.06%
▲ 1.38% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.38% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
18 Month Certificate
$500
4.05%
▲ 1.37% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
4.04%
▲ 1.36% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.36% above avg
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 18 Month Renewal
$0
3.87%
▲ 1.19% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.19% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
18 months CD
$500
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
18 Months
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.79%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
Variable Rate
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
18-Month CD
$2,000
3.76%
▲ 1.08% above national avg
▼
Rate3.73%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
18 Months
$2,500
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 18 Months
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
18 Months
$1,000
3.70%
▲ 1.02% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
3.68%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.00% above avg
Details
APY=Annual Percentage Yield.
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 18 Month
$0
3.66%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
110 S 4th St, Elkville, IL 62932
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▲ 0.97% above national avg
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
New Money
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
18 Month
$0
3.59%
▲ 0.91% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.91% above avg
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
18 month
$0
3.56%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
115 N 4th St, Coulterville, IL 62237
18 Months
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
18 month
$500
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Compounding and Crediting Frequency: Semi-annually
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
18 month Certificate of Deposit
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
18 months
$0
3.53%
▲ 0.85% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
18 months
$0
3.51%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.83% above avg
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
3.46%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.78% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 18-Month CD
$0
3.40%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2195 Baseline Rd, Oswego, IL 60543 6006
18 Month Special
$0
3.40%
▲ 0.72% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
18 Month
$0
3.35%
▲ 0.67% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.35%
▲ 0.67% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.35%
▲ 0.67% above national avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
18-Month IRA
$0
3.34%
▲ 0.66% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.66% above avg
Details
Variable Rate Compounded Monthly; Effective 03-01-2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
18 month
$500
3.31%
▲ 0.63% above national avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.63% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 18 Month Special
$3,000
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
18 month
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
18 Month Certificate
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
107 E Main St, Yates City, IL 61572
18 Month IRA CD
$0
3.29%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
107 E Main St, Yates City, IL 61572
IRA 18 Mo. Fixed
$500
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.61% above avg
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
18 months CD
$100,000
3.28%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.60% above avg
Details
Penalty for early withdrawal.
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
18 Month CD
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Certificate of Deposit 18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.57% above avg
Details
Illinois 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
24-Month CD
$1,000
4.20%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.49% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
24 months
$1,000
4.16%
▲ 1.45% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.45% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
24-Month
$0
4.07%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.36% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
24 months CD
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
24 Months - Diamond
$0
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.24% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 24 Month Renewal
$0
3.92%
▲ 1.21% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.21% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
24 Months - Platinum
$0
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month CD
$100,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
24-Month CD
$2,000
3.86%
▲ 1.15% above national avg
▼
Rate3.82%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.15% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
24 Months
$1,000
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
24 Months
$2,500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 24 Months
$1,000
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
24 Months
$1,000
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
No penalty for early withdrawal
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 24 Month
$0
3.71%
▲ 1.00% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.00% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month
$20,000
3.70%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
24 Months
$1,000
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
24 Month
$0
3.62%
▲ 0.91% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.91% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$0
3.61%
▲ 0.90% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month Certificate
$1,000
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$1,000
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Compounding: Daily
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
24 month
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
24 Month Special
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 24 Month Special
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Balance: $150,000.00 - $250,000.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
24 Month CD
$0
3.53%
▲ 0.82% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.82% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
24 months
$0
3.53%
▲ 0.82% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.82% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
24 months
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$5,000
3.50%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1141 Mount Prospect Plz, Mount Prospect, IL 60056
24-Month Term Share
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Promotional Dividend Rate
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
24 Month
$0
3.46%
▲ 0.75% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.75% above avg
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate of Deposit
$0
3.46%
▲ 0.75% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.75% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 24-Month CD
$0
3.45%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
24-month
$0
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.73% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$0
3.41%
▲ 0.70% above national avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.70% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
24 Month Special
$3,000
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 24 Month Special
$3,000
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
24 month
$500
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Compounding and Crediting Frequency: Annually
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
24 month
$500
3.31%
▲ 0.60% above national avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.60% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
24 Mo. CD
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Quarterly Compound
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Certificate of Deposit 24 Months
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.59% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
24 Month Certificate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 E Lebanon St, Nashville, IL 62263
24 MONTH CERTIFICATE SPECIAL!!!
$1,000
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
24 Months
$500
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
24 MONTH CD
$500
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.58% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 24 months
$0
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD
$100,000
3.28%
▲ 0.57% above national avg
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.57% above avg
Details
Penalty for early withdrawal.
Illinois 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
36-Month CD
$1,000
4.20%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.55% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month
$0
4.07%
▲ 1.42% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.42% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
36 months CD
$500
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 36 Month Renewal
$0
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.32% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
36 Months
$2,500
3.85%
▲ 1.20% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 36 Months
$1,000
3.85%
▲ 1.20% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
Share Certificates 36 Month
$0
3.76%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
36 Month Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
36 Months
$1,000
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
36 Month
$0
3.67%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.02% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
36 Month
$0
3.64%
▲ 0.99% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
36 month
$0
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Certificate of Deposit 36 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.90% above avg
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
1311 Shooting Park Rd, Peru, IL 61354
36 month
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
36 Month CD
$0
3.53%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.88% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
36 months
$0
3.53%
▲ 0.88% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.88% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
36 months
$0
3.51%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
36 Months
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 36-Month CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.81% above avg
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
36 Months
$1,000
3.39%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
36 Months
$500
3.34%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD
$100,000
3.33%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.68% above avg
Details
Penalty for early withdrawal.
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
36 Mo. CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Quarterly Compound
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
CD 36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate of Deposit
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.65% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
36 Months
$0
3.29%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Interest Compounded Quarterly; 6 Month Interest Penalty
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
3 Year Certificate
$2,500
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 36 Month Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
36 Month CD / IRA
$500
3.24%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.59% above avg
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
3 Year
$0
3.21%
▲ 0.56% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.56% above avg
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
36 Months
$0
3.21%
▲ 0.56% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.56% above avg
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
36 month
$500
3.21%
▲ 0.56% above national avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.56% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 36 MONTHS
$0
3.21%
▲ 0.56% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.56% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Certificate of Deposit
$500
3.20%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Earn 3.20% APY on balances of $500 or more. Account matures in 36 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Fixed Rate CD
$0
3.20%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
36-Month CD
$2,000
3.20%
▲ 0.55% above national avg
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
36 Month Bump
$0
3.19%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL 61607
Share Certificate 36 Month Term
$0
3.15%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
IRA
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Variable Rate Certificate
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
36 month
$500
3.15%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
Compounding and Crediting Frequency: Annually
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 36-Month CD
$0
3.15%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL 61607
Share Certificate 36 Month Term
$0
3.11%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.46% above avg
Details
Non-IRA
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD
$500
3.10%
▲ 0.45% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.45% above avg
Details
Penalty for early withdrawal.
Illinois 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
48-Month CD
$1,000
4.20%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.54% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
48 Months
$2,500
3.85%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 48 Months
$1,000
3.85%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
48 Month
$0
3.77%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month
$0
3.71%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
48 Months
$1,000
3.70%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
48 months CD
$500
3.70%
▲ 1.04% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
48 Months
$1,000
3.65%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.61%
▲ 0.95% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▲ 0.92% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.92% above avg
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 48-Month CD
$0
3.55%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Certificate of Deposit 48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.84% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3950 38th Ave, Moline, IL 61265 6471
48 Month Certificate
$500
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
48 months
$0
3.47%
▲ 0.81% above national avg
▼
Rate3.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.81% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
48 months
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
48 Months
$500
3.44%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.78% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD
$100,000
3.43%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.77% above avg
Details
Penalty for early withdrawal.
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.41%
▲ 0.75% above national avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
48 Mo. CD
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Quarterly Compound
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
48 month
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
CD 48 Months
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
48 Month CD / IRA
$500
3.34%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.68% above avg
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
48 Months
$1,000
3.34%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.68% above avg
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate of Deposit
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.64% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
48-Month
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
36 to 48 Month
$0
3.29%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.63% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
48 Months
$0
3.29%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.63% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
48 Months
$0
3.29%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.63% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
3.25%
▲ 0.59% above national avg
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 48 mos
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 48 MONTHS
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
48 Month
$0
3.24%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.58% above avg
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD
$500
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.54% above avg
Details
Penalty for early withdrawal.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
48 month
$500
3.20%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Compounding and Crediting Frequency: Annually
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 48-Month CD
$0
3.20%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
48 month Certificate of Deposit
$0
3.18%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.52% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
48 Months
$500
3.15%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
48 month
$500
3.11%
▲ 0.45% above national avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month
$0
3.09%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.43% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month CD
$500
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
APY is fixed for a 48-month term.
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
48 Month CD / IRA
$0
3.05%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Illinois 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
60-Month CD
$1,000
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 1.44% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
60 Months
$2,500
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 5 Year Variable
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 60 Months
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
60 Month
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.11% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
7, 13, 18, 30, or 60 month CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Annual Percentage Yield. The stated APY is accurate as of 8/19/26. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 7-Month CD and 13-Month CD will automatically renew to a term of 182-Day and 12-Months, respectively.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
60 Months
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
60 Month CD
$0
3.63%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.87% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 60-Month CD
$50,000
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD
$100,000
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.77% above avg
Details
Penalty for early withdrawal.
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
60 months
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.77% above avg
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1811 Eastland Dr, Bloomington, IL 61704
60 months
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
60 Months
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
CD 60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
Certificate of Deposit 60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.74% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
9 E Main St, Mascoutah, IL 62258
60 Months
$5,000
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.73% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 9 Month Interest
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
60 Month CD / IRA
$500
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.68% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
60 Mo. CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Quarterly Compound
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
60 month
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
*** Minimum balance of $10,000 is required.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
60 Months
$0
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.58% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
60 Months
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
3.30%
▲ 0.54% above national avg
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
60 Month CD/IRA
$1,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate of Deposit
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.54% above avg
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.54% above avg
Details
Penalty for early withdrawal.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
60-Month
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
60 month
$500
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Compounding and Crediting Frequency: Annually
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 60 MONTHS
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
60 Months
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
5 Year
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
60 Month
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
60 Months
$1,000
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
60 month Certificate of Deposit
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
120 W Saint Louis St, Nashville, IL 62263
60 Month IRA
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
5 Year Certificate
$2,500
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
Special IRA 60 Month
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 60 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 60-Month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Variable Rate Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
60 month
$500
3.11%
▲ 0.35% above national avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.35% above avg
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate - 5 Year
$100
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Variable Rate Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Illinois CD Rate Trends
Compare local Illinois CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — IL Avg
2.833%
▲ 0.778 vs 7 days ago
Illinois 12-month CD rates rose 0.778 points over the past 7 days to 2.833% APY.
6-Month CD — IL Avg
2.672%
▲ 0.876 vs 7 days ago
Illinois 6-month CD rates rose 0.876 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
Sample CD Ladder for Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,305
CD Rates
Tracked in Illinois
Tracked in Illinois
87 Banks
60 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks 1,305 CD rates from 87 banks and 60 credit unions with locations in Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: United Fidelity Bank offers a CD at 4.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Illinois.
How to Find the Best CD Rates in Illinois
What to compare when shopping for a CD in Illinois
To find the best APYs in Illinois, start with credit unions and online-only banks — Illinois has 60 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Illinois
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Illinois — 147 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Illinois savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Illinois money market rates
Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$48,393
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$137/yr
At IL 12-mo avg 2.833% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s IL 12-month CD average of 2.833%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $137 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Illinois
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Illinois typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Illinois as everywhere in the U.S.
Choosing a CD Term in Illinois
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Illinois savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, United Fidelity Bank is offering its 60-Month CD at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Illinois Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Illinois saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Illinois
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Illinois CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Illinois depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Illinois
Are CD rates in Illinois FDIC insured?
Yes, most established banks in Illinois are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Illinois?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Illinois.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Illinois may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Illinois?
Here are recent top rates found for this area:
- United Fidelity Bank: 4.50% APY (18-Month CD)
- Vibrant Credit Union: 4.25% APY (6-month cd)
- Rock Valley Credit Union: 4.25% APY (6 Mo.)
- The FNB Community Bank: 4.16% APY (24 months)
- CIBC: 4.15% APY (12-month CD)
- Lindell Bank & Trust Company: 4.15% APY (18 Months)
- Michigan State University Federal Credit Union: 4.15% APY (2-Year Certificate or IRA-HSA Jumbo)
- Bank of Herrin: 4.10% APY (Special 12 Month CD)
- Policemens Federal Credit Union: 4.10% APY (6 months)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
Rates reflect recent verified offers available in Illinois. Last Updated: September 1, 2026
Illinois CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Illinois
Illinois CD Calculator
At today’s IL top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.833% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Illinois CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 1, 2026
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