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Illinois Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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 Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union1407 W Washington Blvd, Chicago, IL 60607 1820A+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY, Chicago Firefighters Credit UnionChicago Firefighters Credit Union6230 S Central Ave, Chicago, IL 60638A+5.0 ★Texas Ratio: 0.13%Real return: +1.53%APY minus CPI (February 2026) offering 12 mos. Share Certificate at 4.33% APY, Vibrant Credit UnionVibrant Credit Union4400 16th St, Moline, IL 61265A5.0 ★Texas Ratio: 13.71%Real return: +1.45%APY minus CPI (February 2026) offering 6-Month CD Special at 4.25% APY, First National Bank of PanaFirst National Bank of Pana306 S Locust St, Pana, IL 62557A+5.0 ★Texas Ratio: 0.49%Real return: +1.45%APY minus CPI (February 2026) offering 6 Month CD SPECIAL! at 4.25% APY, and Great Rivers BankGreat Rivers Bank694 Bainbridge St, Barry, IL 62312A+5.0 ★Texas Ratio: 0.77%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificates of Deposit (CDs) at 4.25% APY. CD rates as of September 21, 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 4.34% APY from Chicago Patrolmens Federal Credit Union at 1407 W Washington Blvd, Chicago, IL 60607 1820. Rates are continually updated, so 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 21, 2026
Compare Best CD Rates in Illinois
Illinois 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
3 Month CD
$1,000
3.82%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.76% above avg
Details
Penalty may be imposed for early withdrawal
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
90 Day Investment Certificates
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
90 Day IRA Certificate
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% 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.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.66% above avg
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
101 W Main St, Industry, IL 61440
3 Month Certificate of Deposit
$0
3.70%
▲ 1.64% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Month Certificate
$1,000
3.53%
▲ 1.47% above national avg
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.47% above avg
Details
Early Withdrawal Penalty: 1 Month Interest
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
3 Month Certificates of Deposit (CDs)
$0
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.45% above avg
Details
Penalty: 91 days
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
3 Month Certificate
$1,000
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.45% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
3 Month Certificate
$0
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.39% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
3 month CD
$500
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.39% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
3 Month Certificate
$1,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.38% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
90 Day / 3 Month
$1,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.38% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates or Greater
$0
3.43%
▲ 1.37% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.37% above avg
Details
$50,000.00; Share Certificates
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
3 Month CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.34% above avg
Details
Monthly: 3.45%; Quarterly: 3.44%
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
3 Month Business Certificates of Deposit
$0
3.34%
▲ 1.28% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.28% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
3 Month Certificates of Deposit
$0
3.34%
▲ 1.28% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.28% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.09% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates to $49,999.99
$0
3.07%
▲ 1.01% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.01% above avg
Details
$1,000.00; Share Certificates
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
3 Months CD
$1,000
3.05%
▲ 0.99% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.99% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
3 Month Certificate of Deposit
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.98% above avg
Details
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
400 E Buchanan St, Ashland, IL 62612
91 Day CD (3 Months)
$0
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.97% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
3 Month Certificate of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300 S 7th St Ste B4, Springfield, IL 62701 1929
90 Day Certificates of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
3 Month Certificate
$1,000
2.98%
▲ 0.92% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.92% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
3 Month CD
$0
2.94%
▲ 0.88% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.88% 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%
▲ 0.74% above national avg
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.74% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
13601 S Perry Ave, Riverdale, IL 60827 1655
3 Month IRA Certificate of Deposit
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.72% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
13601 S Perry Ave, Riverdale, IL 60827 1655
3 Month Term Share Certificate
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.72% 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%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
102 S East Ave, Ogden, IL 61859
3-month CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.69% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
3 Month Jumbo Certificate Accounts
$0
2.65%
▲ 0.59% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.59% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
3 Month Jumbo HSA Certificate Accounts
$0
2.65%
▲ 0.59% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.59% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
3 Month Certificate Accounts
$0
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.54% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
3 Month HSA Certificate Accounts
$0
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.54% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
3 Month CD
$0
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.46% above avg
Details
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
411 S Vine St, Arthur, IL 61911
3 Month Certificate of Deposit
$0
2.10%
▲ 0.04% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.04% above avg
Details
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
411 S Vine St, Arthur, IL 61911
3 Month Certificate of Deposit
$0
2.04%
▼ 0.02% below national avg
▼
Rate2.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.02% below avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
109 E Vermilion St, Catlin, IL 61817
3 Month Certificate of Deposit (CDs)
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Interest Paid at maturity; 3 Month Interest Penalty
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3849 Northridge Dr, Rockford, IL 61114
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4387 N Illinois St, Swansea, IL 62226
3-Month CD
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
301 W Falcon Hwy, Flanagan, IL 61740
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Illinois 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
6 Month CD SPECIAL!
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Annual Percentage Yield of 4.25% for 6 months. 4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL 61111
6 Month Certificates (CDs) - Promotional
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.38% above avg
Details
Balance: $1,000.00 and over
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Certificates $500 to $20,000
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
6 Month Certificates of Deposit (CD)
$2,500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month Certificate Accounts
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
6 Month Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Early withdrawal penalty: 90 day dividend
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% 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.
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2332 W Chicago Ave, Chicago, IL 60622
6 Month Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
103 3rd St, Savanna, IL 61074
6 Month Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2412 Freeport Rd, Sterling, IL 61081 7626
6 Month Certificates of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
6 Month Share Certificate
$1,000
3.84%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.07% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
6 Month CD
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Penalty may be imposed for early withdrawal
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $0.01
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
6 Month Certificate
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Early Withdrawal Penalty: 3 Month Interest
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
6 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6230 S Central Ave, Chicago, IL 60638
6 mos. Share Certificate
$10,000
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.04% above avg
Details
Withdrawals made prior to maturity are subject to a loss of 90 days dividend
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
6 month CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
602 S Gridley St, Bloomington, IL 61701 5227
6 Month Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.99% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
6 Month Traditional Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.99% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
301 S Locust St, Delavan, IL 61734
6 Month Certificate
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
6 Month CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
6 Month IRA
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
6 Months Certificate of Deposit/IRA
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
145 E 5th Ave, Clifton, IL 60927
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
180 Day Investment Certificates
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
180 Day IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
6 Month Certificate of Deposit
$1,000
3.71%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. 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: 1.86%
301 S Locust St, Delavan, IL 61734
6 Month CD "Specials"
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Diamond APY
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
694 Bainbridge St, Barry, IL 62312
6 Month Certificates of Deposit (CDs)
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
9 E Main St, Mascoutah, IL 62258
Certificates - 6 Months
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 1 Month Interest
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
6 Month Certificate
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
FNB of Raymond
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
403 E Broad St, Raymond, IL 62560
6 Month Certificates of Deposit
$2,500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.89% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Platinum APY
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Certificate Special
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 6 Month Special
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $150,000.00 - $250,000.00
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
6-Month CD
$2,000
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Monthly: 3.66%; Quarterly: 3.65%; Semi Annual: 3.63%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Home State Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
40 Grant St, Crystal Lake, IL 60014
6 Month CD
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.79% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
6 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
6 Month Traditional Share Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
6 Month Certificates of Deposit (CDs)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Penalty: 91 days
Illinois 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6230 S Central Ave, Chicago, IL 60638
12 mos. Share Certificate
$10,000
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.38% above avg
Details
Withdrawals made prior to maturity are subject to a loss of 120 days dividend
First Community Credit Union of Beloit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6079 E Riverside Blvd, Rockford, IL 61114 4413
12 Month Dream Seeker Share Certificate
$25
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
New Money Only. Dividends may be compounded quarterly or transferred monthly to your FirstCCU savings or checking account.
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% 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:
A5.0 ★Texas Ratio: 12.15%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% 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. Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Balance: $1,000.00 and over
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
12 Month Flex Index CD
$1,000
4.08%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0% Interest rate may change at any time based on changes in the index
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
12 Month Certificates of Deposit (CD)
$2,500
4.05%
▲ 1.10% above national avg
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
UB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
1 W Hitt St, Mount Morris, IL 61054
12-Month Certificate of Deposit
$0
4.03%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.08% above avg
Details
Earn 4.03% APY*
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
12 Month Special Certificates of Deposit
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
10-month special, with rollover into 12-month at time of maturity
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Deposit Amount: $20,000 +
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2332 W Chicago Ave, Chicago, IL 60622
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 Month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Certificates $500 to $20,000
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
1 Year CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4502 27th St Ste K, Moline, IL 61265
12-Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
APY = Annual Percentage Yield. Minimum opening deposit required. Penalty may apply for early withdrawal. Offer subject to change without notice. Contact the credit union for complete details.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
1 Year Investment Certificates
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
12 Month IRA Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
12 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
12 Month IRA Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
800 S 42ND ST, Mount Vernon, IL 62864
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
800 S 42ND ST, Mount Vernon, IL 62864
12 Month Standard Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
12 Month CD
$0
3.99%
▲ 1.04% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.04% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
12 Month Certificate
$0
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.02% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
12 Month Certificates of Deposit (CDs)
$1,000
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
12 Month Share Certificates
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
12 Mo. (Quarterly Compound) Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Certificate Special
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 12 Month Special
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $150,000.00 - $250,000.00
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2412 Freeport Rd, Sterling, IL 61081 7626
1 Year Certificates of Deposit
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
2300 4TH AVE, ROCK ISLAND, IL 61201
12 Month CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
687 Lincoln St, Galesburg, IL 61401
12 Month Share Certificates
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
602 S Gridley St, Bloomington, IL 61701 5227
12 Month Share Certificates
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.92% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
1 Year Share Certificate
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Early withdrawal penalty: 180 day dividend
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
12 months CD
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate of Deposit
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
12 Month Traditional Share Certificates
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
12 Months Certificate of Deposit/IRA
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
301 S Main St, Pleasant Hill, IL 62366
12 Month Certificate of Deposit
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
First State Bank of Campbell Hill
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
115 N 4th St, Coulterville, IL 62237
12 Month Certificates of Deposits
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
12 Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
Monthly: 3.87%; Quarterly: 3.85%; Semi Annual: 3.84%
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2222 Wellington Ct, Lisle, IL 60532
12 Month Jumbo Certificate of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
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: 2.16%
2222 Wellington Ct, Lisle, IL 60532
12 Month Jumbo Certificates of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$1,000
3.78%
▲ 0.83% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.83% above avg
Details
Deposit Amount: $5,000 - $20,000
Illinois 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
694 Bainbridge St, Barry, IL 62312
18 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% 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.
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
521 Ferry Street, Metropolis, IL 62960
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
18 Month Certificates of Deposit
$1,000
4.15%
▲ 1.33% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
18 Month Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.25% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
18 Month Certificates of Deposit (CDs)
$1,000
4.06%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.24% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
18 Month Investment Certificates
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
18 Month IRA Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
18 Month Traditional Share Certificates
$0
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.05% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
18 months CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
18 Month Certificate of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.79%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
Variable Rate
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
18-Month CD
$2,000
3.76%
▲ 0.94% above national avg
▼
Rate3.73%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.94% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
18 Month Certificates of Deposit (CD)
$2,500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
18 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
18 Month Certificates of Deposit (CDs)
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Penalty: 365 days
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
18 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.88% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
18 Month Traditional Share Certificates
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.84% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
18 Month Business Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
18 Month CD Specials
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
18 Month Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
18 Month Fixed
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
18 Month Variable
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
110 S 4th St, Elkville, IL 62932
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
New Money
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
204 N Jackson St, Morrison, IL 61270
18 Month Certificate
$0
3.59%
▲ 0.77% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.77% above avg
Details
At Maturity
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
18 Month IRA Share Certificates
$0
3.56%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.74% above avg
Details
Balance: $100,000 - and over
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
13601 S Perry Ave, Riverdale, IL 60827 1655
18 Month IRA Certificate of Deposit
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.74% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
13601 S Perry Ave, Riverdale, IL 60827 1655
18 Month Term Share Certificate
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.74% above avg
Details
First State Bank of Campbell Hill
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
115 N 4th St, Coulterville, IL 62237
18 Month Certificates of Deposits
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
18 Month Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
$500.00
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
18 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
18 Month IRA Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
Eaton Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
1725 1200TH AVE, Lincoln, IL 62656
18 Month Certificate of Deposit
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
First National Bank of Ava
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
304 W Main St, Ava, IL 62907
18 Month CD
$500
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.72% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
18 Month Certificate
$1,000
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.69% above avg
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
18 Month Special Certificates of Deposit
$10,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.68% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
18 Month Minor Certificate-Minimum Deposit
$50,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
$500.00
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.64% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
18 Months CD
$500
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
103 3rd St, Savanna, IL 61074
18 Month Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
18 Month Certificates of Deposit (CDs)
$1,000
3.43%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.61% above avg
Details
Illinois 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
24 Month Certificates of Deposit (CDs)
$1,000
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% 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.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
24 Month Certificate
$0
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.23% above avg
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
2 Year CD
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
24 months CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate
$0
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.11% above avg
Details
Diamond APY
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
24 Month Traditional Share Certificates
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.06% above avg
Details
Platinum APY
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
24 Month Investment Certificates
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
24 Month IRA Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.03% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
24-Month CD
$2,000
3.86%
▲ 1.02% above national avg
▼
Rate3.82%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.02% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
24 Month Certificate
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate
$100,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Early withdrawal penalty: 180 day dividend
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
24 Month Certificates of Deposit (CD)
$2,500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
24 Month Certificate of Deposit
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Term: 24 Months (No penalty for early withdrawal)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Early withdrawal penalty: 180 day dividend
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Base APY
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2412 Freeport Rd, Sterling, IL 61081 7626
2 Year Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1025 W Detweiller Dr, Peoria, IL 61615 2064
24 Month Jumbo Share Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Jumbo (> $50,000)
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
24 Month IRA Share Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.87% above avg
Details
Balance: $100,000 - and over
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
24 Month Traditional Share Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
24 Month Business Certificates of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
24 Month Certificates of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
550 W Meadows Dr, Freeport, IL 61032 7610
24 Month Personal CD & IRA CD
$20,000
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
24 Months Certificate of Deposit/IRA
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
204 Main St, Graymont, IL 61743
24 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
204 N Jackson St, Morrison, IL 61270
24 Month Certificate
$0
3.62%
▲ 0.78% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.78% above avg
Details
At Maturity
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $20,000 +
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
24 Mo. (Quarterly Compound) Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Compounding: Daily
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
24 Month Certificate Special
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 24 Month Special
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $150,000.00 - $250,000.00
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
602 S Gridley St, Bloomington, IL 61701 5227
24 Month Share Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
2 Year Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
$500.00
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
24 Month Certificates of Deposit (CDs)
$1,000
3.54%
▲ 0.70% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.70% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
24 Month CD
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.69% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
24 Month Certificate
$1,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2332 W Chicago Ave, Chicago, IL 60622
2 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Illinois 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1407 W Washington Blvd, Chicago, IL 60607 1820
36 Month Share Certificates
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.37% above avg
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
3 Year CD
$0
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
36 Month Certificate
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.31% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
36 months CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
36 Month Traditional Share Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
36 Month IRA Share Certificates
$0
3.87%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.11% above avg
Details
Balance: $100,000 - and over
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
36 Month Certificates of Deposit (CD)
$2,500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
3 Year Share Certificate
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Early withdrawal penalty: 180 day dividend
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
36 Month Investment Certificates
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $500 Minimum
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
300 E Randolph ST, Chicago, IL 60601 5014
36 Month IRA Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3919 N University St, Peoria, IL 61614 6938
36 Month Traditional Share Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.00% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% 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 FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
36 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
3 Years IRA
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
36 Months CD
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
36 Mo. (Quarterly Compound) Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
36 Month CD
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.91% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
204 N Jackson St, Morrison, IL 61270
36 Month Certificate
$0
3.64%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.88% above avg
Details
At Maturity
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
36 Month IRA Share Certificates
$0
3.56%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Balance: $25,000 - $99,999
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
915 S Durkin Dr Ste A, Springfield, IL 62704
Share Certificates - 3 years
$99,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.80% above avg
Details
Interest paid at twice annually/6-30 & 12/31. All rates are subject to change.
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
36 Month Certificate of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
1311 Shooting Park Rd, Peru, IL 61354
36 Month Certificates of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Minimum $1,000.00
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
3 Year Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
36 Month CD
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.77% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
36 Month Certificate
$1,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.75% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
3 Year Minor Certificate-Minimum Deposit
$50,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.70% above avg
Details
Daily Balances: $5,000.00 - and up
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
36 Month Certificate of Deposit
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.69% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
36 Month Certificate
$1,000
3.39%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.63% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
3 Year Minor Certificate-Minimum Deposit
$1,000
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
$500.00
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
9 E Main St, Mascoutah, IL 62258
Certificates - 36 Months
$500
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.58% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate of Deposit
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. 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; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
915 S Durkin Dr Ste A, Springfield, IL 62704
Share Certificates - 3 years
$50,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Interest paid at twice annually/6-30 & 12/31. All rates are subject to change.
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
109 E Vermilion St, Catlin, IL 61817
36 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.53% above avg
Details
Interest Compounded Quarterly; 6 Month Interest Penalty
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3100 Theodore St, Joliet, IL 60435
3 Year Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
Min Bal $2,500
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
36 Month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
Monthly: 3.30%; Quarterly: 3.29%; Semi Annual: 3.27%
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2332 W Chicago Ave, Chicago, IL 60622
3 Year Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.49% above avg
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★Texas Ratio: 8.50%
848 N Green Mount Rd, Shiloh, IL 62221 3354
3 Year Share Certificate
$100
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Minimum: $100 (Youth) or $500 (Regular/Health Savings/IRA)
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2412 Freeport Rd, Sterling, IL 61081 7626
3 Year Certificates of Deposit
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Illinois 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Year CD
$0
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
48 Month IRA Share Certificates
$0
4.02%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Balance: $100,000 - and over
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
48 Month Certificates of Deposit (CD)
$2,500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
48 Months CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
4 Year Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Early withdrawal penalty: 180 day dividend
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
48 Month CD
$0
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.00% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
48 Month IRA Share Certificates
$0
3.71%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $25,000 - $99,999
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
48 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
48 Mo. (Quarterly Compound) Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
1309 S Center St, Normal, IL 61761 3458
48 months CD
$500
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
48 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $20,000 +
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
48 Month Business Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
48 Month Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Minor Certificate-Minimum Deposit
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.81% above avg
Details
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.79% above avg
Details
Daily Balances: $5,000.00 - and up
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Minor Certificate-Minimum Deposit
$50,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 48 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
48 Month Certificate
$1,000
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.74% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
48 Month Certificate of Deposit
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
48 Month Certificate of Deposit
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2412 Freeport Rd, Sterling, IL 61081 7626
4 Year Certificates of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3950 38th Ave, Moline, IL 61265 6471
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% 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.
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
9 E Main St, Mascoutah, IL 62258
Certificates - 48 Months
$500
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.67% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.41%
▲ 0.64% above national avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.64% above avg
Details
Balance: $5,000 - $20,000
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Minor Certificate-Minimum Deposit
$1,000
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
$500.00
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
48 Month CD
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Monthly: 3.40%; Quarterly: 3.39%; Semi Annual: 3.37%
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
48 Month IRA Share Certificates
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $1,000 - $24,999
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%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.57% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
48 Month Certificate
$1,000
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.57% above avg
Details
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate of Deposit
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. 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; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
109 E Vermilion St, Catlin, IL 61817
36 to 48 Month
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
Balance: $500.00 Minimum Balance
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
109 E Vermilion St, Catlin, IL 61817
48 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate of Deposit
$0
3.28%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.51% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
3.25%
▲ 0.48% above national avg
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.48% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $1,000 - $5,000
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★Texas Ratio: 8.50%
848 N Green Mount Rd, Shiloh, IL 62221 3354
4 Year Share Certificate
$100
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Minimum: $100 (Youth) or $500 (Regular/IRA)
Illinois 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
5 Year CD
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
60 Month Certificates of Deposit (CD)
$2,500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
60 Month CD
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.03% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
60 Months CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
3960 W 26th St, Chicago, IL 60623
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
60 Mo. (Quarterly Compound) Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2201 S 1ST ST, Champaign, IL 61820 7402
5 Year Share Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Early withdrawal penalty: 180 day dividend
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
60 Months Certificate of Deposit/IRA
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
5 Year Minor Certificate-Minimum Deposit
$100,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
60 Month CD
$0
3.63%
▲ 0.79% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.79% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
60 Month Business Certificates of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
60 Month Certificates of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
5 Year Minor Certificate-Minimum Deposit
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
13 Collinsville Ave, East Saint Louis, IL 62201
60 Month Jumbo Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Fixed interest that compounds monthly
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
60 Month Certificate of Deposit
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
110 E Walnut St, Okawville, IL 62271
60 Month Certificate of Deposit
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.69% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3101 Montvale Dr, Springfield, IL 62704 4260
60 Month Certificate
$1,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1600 Huntington Dr, Calumet City, IL 60409 5404
60 Month Term Certificates: Regular & IRA (Traditional & Roth)
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
60 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
60 Month Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 W Monroe St, Chicago, IL 60606
60 Month Jumbo Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
$50,000+
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
9 E Main St, Mascoutah, IL 62258
Certificates - 60 Months
$5,000
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.65% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 9 Month Interest
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
60 Month CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Monthly: 3.50%; Quarterly: 3.49%; Semi Annual: 3.48%
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
1100 Belt Line Rd, Collinsville, IL 62234 4367
5 Year Minor Certificate-Minimum Deposit
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
$500.00
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%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.60% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
3.30%
▲ 0.46% above national avg
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.46% above avg
Details
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
315 N Cornelia St, Spring Valley, IL 61362
60 Month CD/IRA
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate of Deposit
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
60 Month Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. 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; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
60 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding and Crediting Frequency: Annually
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
60 Month IRA Certificate
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding and Crediting Frequency: Annually
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
60 Month Jumbo Certificate Accounts
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
60 Month Jumbo HSA Certificate Accounts
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts - 60 MONTHS
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
109 E Vermilion St, Catlin, IL 61817
60 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.45% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
5 Year Certificate
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Early Withdrawal Penalty: 6 Month Interest
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
60 Month Certificate
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
60 Month Certificate
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details
Eaton Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
1725 1200TH AVE, Lincoln, IL 62656
60 Month Certificate of Deposit
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.45% above avg
Details
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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
2.952%
▲ 0.030 vs 7 days ago
Illinois 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD IL Avg
2.767%
▲ 0.021 vs 7 days ago
Illinois 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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MonitorBankRates
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
1,920
CD Rates
Tracked in Illinois
Tracked in Illinois
83 Banks
72 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks 1,920 CD rates from 83 banks and 72 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: Chicago Patrolmens Federal Credit Union offers a CD at 4.34% APY with a minimum deposit of $0. 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 72 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: 155 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
$143/yr
At IL 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $143 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, Vibrant Credit Union is offering its 6-Month CD Special at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, AAEC Credit Union is offering its 5 Year 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:
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Chicago Firefighters Credit Union: 4.33% APY (12 mos. Share Certificate)
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- First National Bank of Pana: 4.25% APY (6 Month CD SPECIAL!)
- Great Rivers Bank: 4.25% APY (18 Month Certificates of Deposit (CDs))
- First Community Credit Union of Beloit Credit Union: 4.25% APY (12 Month Dream Seeker Share Certificate)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- Rock Valley Credit Union: 4.25% APY (6 Month Certificates (CDs) - Promotional)
- AAEC Credit Union: 4.20% APY (5 Year CD)
- The FNB Community Bank: 4.16% APY (24 Month Certificates of Deposit (CDs))
Rates reflect recent verified offers available in Illinois. Last Updated: September 21, 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 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 4.34% 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 2.952% 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 21, 2026
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