Illinois CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Illinois CD rates include United Fidelity BankUnited Fidelity Bank126 N Grand Ave, Cowden, IL 62422A+5.0 ★Texas Ratio: 0.81%Real return: +1.35%APY minus CPI (February 2026) offering 6-Month CD Term at 4.15% APY, Gas and Electric Credit UnionGas and Electric Credit Union2300 4TH AVE, ROCK ISLAND, IL 61201A+5.0 ★Texas Ratio: 4.19%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY, Vibrant Credit UnionVibrant Credit Union4400 16th St, Moline, IL 61265A-5.0 ★Texas Ratio: 14.65%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, Policemens Federal Credit UnionPolicemens Federal Credit Union4100 W 76TH ST, CHICAGO, IL 60652 5600A+5.0 ★Texas Ratio: 0.46%Real return: +1.30%APY minus CPI (February 2026) offering 6 months Certificate at 4.10% APY, and Alliance Community BankAlliance Community Bank321 N 6th St, Petersburg, IL 62675A+5.0 ★Texas Ratio: 2.71%Real return: +1.27%APY minus CPI (February 2026) offering 24-Month CD at 4.07% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Illinois side-by-side. Illinois CD rates currently reach as high as 4.15% APY from United Fidelity Bank at 126 N Grand Ave, Cowden, IL 62422. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 1, 2026
Compare Best CD Rates in Illinois
Illinois 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days) CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
Certificate of Deposits 3 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 90 Days
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 90 Days
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days) CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days)
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days) CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
3 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
3 MONTHS Certificate Accounts
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 3 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Months CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
CD 3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
3 Month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business Certificates of Deposit 3 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Certificates of Deposit 3 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
91 Day CD (3 Months)
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
1,2
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
3 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 3 Months
$1,000
2.98%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
3 Month CD & IRA
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 3 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 3 Month
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
3 Month CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
3-Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
Standard Certificates of Deposit 3 Month
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
90-Day Certificates of Deposit
$5,000
1.55%
▼
Rate1.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 29, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
3 Month Certificate of Deposit
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
3 Month Certificate of Deposit
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1132 Broadway St, Quincy, IL 62301
3 MONTHS
$2,500
1.16%
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
3 Month Term Certificates of Deposit
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
3 Month Term
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month IRA CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month CD/IRA CD
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 3 month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.23%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Illinois 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 months Certificate
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
949 S Ridgeland Ave, Oak Park, IL 60304 2113
6 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
As Low As
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 6 Months
$5,000
4.00%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
3.94%
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL 61081 7626
6 month Certificates of Deposit
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
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%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Terms and conditions apply.
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 6 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
6 Month Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
6 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL 60804 4112
Share Certificate 6 MONTH MERGER SPECIAL
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 31, 2026
Details
$1,000 minimum
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6-month CD special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
$1000 minimum deposit required; Penalty for early withdrawal; No compounding, interest paid at maturity
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6 Months Certificate of Deposits/IRAs
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month IRA
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month Certificate Account
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
6 month CD Special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL 61111
Certificates (CDs) - Promotional 6 Months
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days) CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedMay 17, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month
$2,500
3.70%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month CD Specials
$2,500
3.70%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
6 Months Diamond
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 6 Months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term
$2,500
3.66%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term Certificates of Deposit
$2,500
3.66%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 28, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
6 Months Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
6-Month CD
$2,000
3.65%
▼
Rate3.62%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.65%
▼
Rate3.59%
Min Deposit$150,000
Min Balance—
UpdatedMay 17, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 180 Days
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 180 Days
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 6 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
6 Months Certificate of Deposit
$1,000
3.59%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
6 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL 60661
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Illinois 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL 61008 9302
1 Year Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 months (1 year) Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. 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. **Call for rates and APY on additional minimum balances.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.90%
▼
Rate3.83%
Min Deposit$150,000
Min Balance—
UpdatedMay 17, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
12 Months Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
Share Certificates 12 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL 61081 7626
1 year Certificates of Deposit
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 12 month
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
12 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
12 Months Certificate of Deposits/IRAs
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
12 Month Certificate of Deposit
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
Kid/Teen Club Add-On Certificate of Deposit 12 month*
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.75%
▼
Rate3.68%
Min Deposit$150,000
Min Balance—
UpdatedMay 17, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
1 Year CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 12 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3960 W 26th St, Chicago, IL 60623
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
12 month Share/IRA Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Terms and conditions apply.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
12-Month CD
$2,000
3.70%
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
YOUth Boost 12-Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
Share Certificate 12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 1 Year
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
12 Month
$10,000
3.65%
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 28, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 28, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
12 month Share Certificate
$1,000
3.64%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
12 Month Certificate Term
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
12 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
12 Month CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
12 months CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
IRA 12 month CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
12 Month Term
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
12 Month Term Certificates of Deposit
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 12 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Illinois 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3005 7th St, Moline, IL 61265 5925
18 Months Certificates
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
18 Months Certificates of Deposit
$1,000
4.05%
▼
Rate4.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
800 S 42ND ST, Mount Vernon, IL 62864
IRA Certificates 18 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
800 S 42ND ST, Mount Vernon, IL 62864
Standard Certificates 18 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
18 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 18-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
18 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
3.68%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
18 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 18 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 18 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
110 S 4th St, Elkville, IL 62932
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
A penalty may be imposed for early withdrawal.
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
18 months CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
18 Month Certificate
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 18 Month
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
18 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 18 Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL 61265 3652
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 18 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
18 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
18 Months Certificate of Deposit
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 18 month
$500
3.46%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
18 Month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
18 Month CD & IRA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 18 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
18-Month IRA
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA 18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
18 month Certificates of Deposit (CDs), Regular and IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
18 months CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
18 Months Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
18 Month CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Illinois 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
24-Month CD
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
as high as
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
24 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 24-month Jumbo
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
24 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
24 months CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
IRA 24 month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
24 Months Certificate of Deposits/IRAs
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
24 Month Certificate
$0
3.62%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 24 Month
$0
3.62%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
24 Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 24 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 24 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 24 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
24 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
24 Month CD & IRA
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 24 Month
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 24 month
$500
3.46%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
24 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
24 Month Share Certificate Special
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
NEW MONEY ONLY- LIMITED TIME
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 24-month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 24 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
24 Months Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 24 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
24 MONTHS Certificate Accounts
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 E Lebanon St, Nashville, IL 62263
24 MONTH CERTIFICATE
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
SPECIAL!!!
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
24 MONTH CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 24 Months
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
24 Month CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
24-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
2 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 24 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
24 Month Share Certificate Special
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Limited Time Only
Illinois 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
36 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3960 W 26th St, Chicago, IL 60623
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL 61614 6938
36 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
36 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
IRA 36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
36 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
36 Month CD & IRA
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 36 Month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
36 Month Certificate
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 36 Month
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
36-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Terms and conditions apply.
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
1311 Shooting Park Rd, Peru, IL 61354
36 month Certificates of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 36 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
36 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
36 Months Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
36 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 36 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 36 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account 36 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
36 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
36 MONTHS Certificate Accounts
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 36 MONTHS
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 36 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 36 month
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
36 Months CD
$100,000
3.30%
▼
Rate3.26%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
36 Months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL 61081 7626
3 year Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
3 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
36-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
36 Month CD / IRA
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 36 Months
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Illinois 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
McHenry Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
353 Bank Dr, Mchenry, IL 60050
4-Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Guaranteed Growth, Zero Risk
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
48 Month CD & IRA
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
48 months CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
48 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 48 Months
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL 61081 7626
4 year Certificates of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
48 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
48 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 48 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 48 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 48 MONTHS
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
48 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
48 MONTHS Certificate Accounts
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months CD
$100,000
3.35%
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
48 Month CD / IRA
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 48 month
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business Certificates of Deposit 48 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Certificates of Deposit 48 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate Term
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 48 mos
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit 48 Months
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 48 month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
48 Months Certificate of Deposit
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
48 Months CD
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
CD 48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Illinois 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
60 Month CD & IRA
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
60 Months Certificate of Deposits/IRAs
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 60 Months
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
60 Month CD
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
60 Month
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
60 Month Certificate Term
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD and over
$100,000
3.53%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
$100,000
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months CD
$100,000
3.50%
▼
Rate3.46%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
60 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
60 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Traditional & Roth IRA Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 60 MONTHS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
60 MONTHS Certificate Accounts
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
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%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $10,000 is required.
Northwest Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
8930 Waukegan Rd, Morton Grove, IL 60053
Share Certificates 60 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
*APY - Annual Percentage Yield. Rates Subject To Change Without Notice.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business Certificates of Deposit 60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Certificates of Deposit 60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
Certificates of Deposit 60 month
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
60 Month CD/IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
CD 60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
60 Months CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 60 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
Special IRA 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
5 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
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.
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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
2.440%
▼ 0.020 vs 7 days ago
Illinois 12-month CD rates fell 0.020 points over the past 7 days to 2.440% APY.
6-Month CD — IL Avg
2.365%
Unchanged vs 7 days ago
Illinois 6-month CD rates currently average 2.365% APY based on data from institutions in our monitoring network.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
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IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.440%
6-Month Forecast
2.440%
Range: 2.24% – 2.59%
12-Month Forecast
2.190%
Range: 1.99% – 2.34%
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What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.885% | $94.25 | $188.49 | $471.23 | $942.45 |
| 6-Month CD | 2.365% | $118.24 | $236.47 | $591.18 | $1,182.35 |
| 12-Month CD | 2.440% | $122.00 | $243.99 | $609.98 | $1,219.95 |
| 18-Month CD | 2.394% | $119.70 | $239.40 | $598.50 | $1,197.00 |
| 24-Month CD | 2.230% | $111.48 | $222.95 | $557.38 | $1,114.75 |
| 36-Month CD | 2.346% | $117.30 | $234.59 | $586.48 | $1,172.95 |
| 48-Month CD | 2.511% | $125.53 | $251.05 | $627.63 | $1,255.25 |
| 60-Month CD | 2.405% | $120.26 | $240.52 | $601.30 | $1,202.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.885% | $94.25 |
| 2 | 6-Month CD | $5,000 | 2.365% | $118.24 |
| 3 | 12-Month CD | $5,000 | 2.440% | $122.00 |
| 4 | 24-Month CD | $5,000 | 2.230% | $111.48 |
| 5 | 36-Month CD | $5,000 | 2.346% | $117.30 |
| Total ($25,000 invested) | $25,000 | 2.253% blended | $563.27/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.
1,259
CD Rates
Tracked in Illinois
Tracked in Illinois
65 Banks
64 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks 1,259 CD rates from 65 banks and 64 credit unions with locations in Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: United Fidelity Bank offers a CD at 4.15% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Illinois.
How to Find the Best CD Rates in Illinois
What to compare when shopping for a CD in Illinois
To find the best APYs in Illinois, start with credit unions and online-only banks — Illinois has 64 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 — 129 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$118/yr
At IL 12-mo avg 2.440% 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 2.440%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $118 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Illinois
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Illinois typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Illinois as everywhere in the U.S.
Choosing a CD Term in Illinois
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Illinois savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD Term at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Crossroads Bank Effingham, IL is offering its 60-Month CD at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Illinois Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Illinois saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Illinois
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Illinois CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Illinois depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Illinois
Are CD rates in Illinois FDIC insured?
Yes, most established banks in Illinois are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Illinois?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Illinois.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Illinois may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Illinois?
Here are recent top rates found for this area:
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- Policemens Federal Credit Union: 4.10% APY (6 months Certificate)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Alliance Community Bank: 4.07% APY (24-Month CD)
- ABD Federal Credit Union: 4.06% APY (1 Year Certificate)
- Metropolitan L Federal Credit Union: 4.05% APY (6 Month CD)
- Ascentra Credit Union: 4.05% APY (18 Months Certificates)
- Lindell Bank & Trust Company: 4.05% APY (18 Months Certificates of Deposit)
- CIBC: 4.00% APY (Agility 12-month CD)
Rates reflect recent verified offers available in Illinois. Last Updated: June 1, 2026
CD Calculators for Illinois
Illinois CD Calculator
At today’s IL top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 1.885% (3-month) to 2.346% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 4.15% 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 2.440% 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: June 1, 2026
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