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CD Rate Trends

Illinois Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Illinois CD rates range from 2.00% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Illinois CD rates include National Police Federal Credit UnionNational Police Federal Credit Union1407 W Washington Blvd, Chicago, IL 60607 1820A+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, FIRST EAGLEFIRST EAGLE1299 Zurich Way, Schaumburg, IL 60196A+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering 1 Year Certificate at 5.00% APY, United Equity Credit UnionUnited Equity Credit Union687 Lincoln St, Galesburg, IL 61401A+5.0 ★Texas Ratio: 0.71%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.75% APY, First Savings Bank of HegewischFirst Savings Bank of Hegewisch18207 Burnham Ave, Lansing, IL 60438A+5.0 ★Texas Ratio: 0.18%Real return: +1.82%APY minus CPI (February 2026) offering 18 Month Variable Rate Certificate at 4.62% APY, and Lindell Bank & Trust CompanyLindell Bank & Trust Company327 Missouri Ave # 333, East St Louis, IL 62201A+5.0 ★Texas Ratio: 1.91%Real return: +1.72%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 4.52% APY. CD rates as of October 13, 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 5.02% APY from National Police Federal Credit Union at 1407 W Washington Blvd, Chicago, IL 60607 1820. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Illinois

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Illinois 3 Month CD Rates

MonitorBankRates Illinois Average · 3 Month CD1.57% APY▲ 0.08% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Illinois is 1.57% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Month Certificate
$1,000
4.48% ▲ 2.91% above Illinois avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 2.91% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
2.58%4.01%5.43%Sep 14, 2026: 3.53% APYOct 7, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.48%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificates - 3 Months
$500
4.08% ▲ 2.51% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 2.51% above avgNationally 2.09%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.08%▲ from 3.72%
  • Sep 16, 20263.72%first recorded
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
101 W Main St, Industry, IL 61440
Certificate of Deposit - 3 Months
$0
4.01% ▲ 2.44% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 2.44% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
201 E Main St, Collinsville, IL 62234
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 2.28% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Illinois Average1.57%▲ 2.28% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
Fixed Rate CD - 3 Month
$1,000
3.82% ▲ 2.25% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.25% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 13, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 90 Days
$0
3.75% ▲ 2.18% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 90 Days
$0
3.75% ▲ 2.18% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details

Balance: $500 Minimum

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
3 Month Certificate
$5,000
3.75% ▲ 2.18% above Illinois avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
3 Month CD
$1,000
3.65% ▲ 2.08% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
90 Day / 3 Month CD Special
$1,000
3.65% ▲ 2.08% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month Certificate of Deposit
$500
3.55% ▲ 1.98% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.98% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
3 Month CD
$0
3.51% ▲ 1.94% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 3 Month
$1,000
3.51% ▲ 1.94% above Illinois avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.94% above avgNationally 2.09%
Details

Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
3 Month CD
$0
3.45% ▲ 1.88% above Illinois avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details

Monthly: 3.45%, Quarterly: 3.44%

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 14, 2026: 3.40% APYOct 8, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.45%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
3-Month Certificate of Deposit
$1,000
3.45% ▲ 1.88% above Illinois avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details

A penalty will or may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
3 Month CD
$500
3.45% ▲ 1.88% above Illinois avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3130 E Mound Rd, Decatur, IL 62526
3 Month Term and Share Certificates
$0
3.43% ▲ 1.86% above Illinois avg
View
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.86% above avgNationally 2.09%
Details

Share Certificates; Balance: $50,000.00 or Greater

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 3 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.83% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.83% above avgNationally 2.09%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
3 Month Business Certificate of Deposit
$0
3.34% ▲ 1.77% above Illinois avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 13, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
3 Month Certificate
$0
3.34% ▲ 1.77% above Illinois avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 13, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
Business Certificates of Deposit - 3 Months
$0
3.34% ▲ 1.77% above Illinois avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 13, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
3 Month Certificate
$500
3.30% ▲ 1.73% above Illinois avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month CD / IRA
$0
3.25% ▲ 1.68% above Illinois avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
111 N Church St, Louisville, IL 62858
3 MONTH CD
$500
3.25% ▲ 1.68% above Illinois avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 29, 2026: 3.25% APYSep 29, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.68% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
3 Month Certificate
$0
3.15% ▲ 1.58% above Illinois avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.58% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 2.94% → 3.15% ▲ 0.21 pts · high 3.15% / low 2.94%
2.44%3.05%3.65%Sep 19, 2026: 2.94% APYOct 7, 2026: 3.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 2.94%
  • Sep 19, 20262.94%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month IRA Certificate
$1,000
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Jumbo IRA Certificate
$75,000
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Jumbo Share Certificate
$75,000
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Share Certificate
$1,000
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 13, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3130 E Mound Rd, Decatur, IL 62526
3 Month Term and Share Certificates
$0
3.07% ▲ 1.50% above Illinois avg
View
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.50% above avgNationally 2.09%
Details

Share Certificates; Balance: $1,000.00 to $49,999.99

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 3 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 13, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
3 Months CD
$1,000
3.05% ▲ 1.48% above Illinois avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 11, 2026: 3.05% APYSep 11, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month CD / IRA
$0
3.05% ▲ 1.48% above Illinois avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month Certificate of Deposit
$0
3.05% ▲ 1.48% above Illinois avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 13, 2026
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.00% ▲ 1.43% above Illinois avg
View
▼
Rate2.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
3 Month Certificate
$0
3.00% ▲ 1.43% above Illinois avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
90 Day Certificate of Deposit
$1,000
3.00% ▲ 1.43% above Illinois avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Minimum: $1,000

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
3 Month Certificate of Deposit
$1,000
2.98% ▲ 1.41% above Illinois avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.98% APY · checked 5 times
2.48%2.98%3.48%Sep 20, 2026: 2.98% APYSep 20, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month CD / IRA
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 7, 2026: 2.95% APYOct 7, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month Certificate (91 Days)
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 7, 2026: 2.95% APYOct 7, 2026Oct 13, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts - 3 MONTHS
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.95%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo HSA Certificate Accounts - 3 MONTHS
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.95%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
3 Month Certificate
$0
2.90% ▲ 1.33% above Illinois avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.33% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
2.10%2.75%3.40%Sep 14, 2026: 2.60% APYOct 10, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.90%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts - 3 MONTHS
$0
2.90% ▲ 1.33% above Illinois avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.33% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
2.10%2.75%3.40%Sep 14, 2026: 2.60% APYOct 10, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20262.90%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$100,000
2.80% ▲ 1.23% above Illinois avg
View
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
13601 S Perry Ave, Riverdale, IL 60827 1655
3 Month IRA Certificate of Deposit
$0
2.78% ▲ 1.21% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average1.57%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
13601 S Perry Ave, Riverdale, IL 60827 1655
3 Month Term Share Certificate
$0
2.78% ▲ 1.21% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average1.57%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$1,000
2.75% ▲ 1.18% above Illinois avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
102 S East Ave, Ogden, IL 61859
3-month CD
$0
2.75% ▲ 1.18% above Illinois avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 13, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
3 Month CD
$1,000
2.52% ▲ 0.95% above Illinois avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026

Illinois 6 Month CD Rates

MonitorBankRates Illinois Average · 6 Month CD2.31% APY▲ 0.04% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Illinois is 2.31% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
6-Month CD
$1,000
4.40% ▲ 2.09% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 2.09% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
6 Month Certificate
$1,000
4.36% ▲ 2.05% above Illinois avg
View
▼
Rate4.32%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 2.05% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 3 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
3.28%4.09%4.90%Sep 14, 2026: 3.82% APYOct 7, 2026: 4.36% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.36%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.25% ▲ 1.94% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
6 Month CD SPECIAL
$1,000
4.25% ▲ 1.94% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1201 Clifford Ave, Loves Park, IL 61111
6 Month Certificates (CDs) - Promotional
$1,000
4.25% ▲ 1.94% above Illinois avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificates - 6 Months
$500
4.24% ▲ 1.93% above Illinois avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.93% above avgNationally 2.78%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
4.15% ▲ 1.84% above Illinois avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
6 Month Certificate
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate 6 Months
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 Month Certificate
$0
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 21, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
6 Month Certificate
$500
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.71% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.71% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
6 Month Certificate
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate 6 Months
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
6 Month Certificate
$2,500
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 6 Months
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL 60031
Certificate Accounts - 6 Month
$0
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
6 Month Share Certificate
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 6 Month
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificate 6 months
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
103 3rd St, Savanna, IL 61074
6 Month Share Certificate
$0
3.92% ▲ 1.61% above Illinois avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 S Locust St, Delavan, IL 61734
6 Month FunTimers CD
$2,500
3.91% ▲ 1.60% above Illinois avg
View
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.60% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 7, 2026: 3.91% APYOct 7, 2026Oct 13, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.90% ▲ 1.59% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.59% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 S Locust St, Delavan, IL 61734
6 Month Standard Certificate of Deposit
$2,500
3.85% ▲ 1.54% above Illinois avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.54% above avgNationally 2.78%
Details

Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL 61081 7626
6 Month Certificate
$1,000
3.85% ▲ 1.54% above Illinois avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.54% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
Share Certificate - 6 month
$1,000
3.84% ▲ 1.53% above Illinois avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 6 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
Fixed Rate CD - 6 Month
$1,000
3.82% ▲ 1.51% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 13, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month CD
$0
3.82% ▲ 1.51% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details

Balance: $0.01

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
6-Month Certificate
$0
3.81% ▲ 1.50% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Special Certificate Account; up to APY; no monthly fee; federally insured by NCUA up to $250,000

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
Certificates - 6 months
$500
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL 60638
6 mos. Share Certificate
$10,000
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
6 Mo. CD
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Quarterly Compound

Rate History
1 change since Sep 11, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 11, 2026: 3.50% APYOct 11, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20263.80%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 18, 2026: 3.55% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
6 Month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
IRA 6 month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
602 S Gridley St, Bloomington, IL 61701 5227
6 Month Share Certificates
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details

Certificate yields assume dividends compounded monthly; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 6 Month Renewal
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details

Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 13, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
6 Month Certificate
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
145 E 5th Ave, Clifton, IL 60927
6 Month Certificate of Deposit
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 13, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Certificate Special
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 6 Month Special
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 6 Months
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

SPECIAL CD RATES: LIMITED TO FUNDS NOT ALREADY ON DEPOSIT

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Balance: $500 Minimum

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
6 Month IRA Certificate
$500
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYSep 22, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 22, 20263.55%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3330 N Woodford St, Decatur, IL 62526
6 Month Certificate
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded

Illinois 12 Month CD Rates

MonitorBankRates Illinois Average · 12 Month CD2.52% APY▲ 0.07% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Illinois is 2.52% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
1 Year Certificate
$0
5.00% ▲ 2.48% above Illinois avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 2.48% above avgNationally 2.99%
Details

Share Certificate Special; (must have Checking)

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.60% ▲ 2.08% above Illinois avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 2.08% above avgNationally 2.99%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
800 S 42ND ST, Mount Vernon, IL 62864
IRA Certificates - 12 Month
$0
4.50% ▲ 1.98% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
800 S 42ND ST, Mount Vernon, IL 62864
Standard Certificates - 12 Month
$0
4.50% ▲ 1.98% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 1 Year
$0
4.40% ▲ 1.88% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 12 Month
$0
4.40% ▲ 1.88% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.88% above avgNationally 2.99%
Details

Balance: $500 Minimum

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.40% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificates - 12 Months
$500
4.39% ▲ 1.87% above Illinois avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.87% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.83% above Illinois avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.35% ▲ 1.83% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.83% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL 60638
12 mos. Share Certificate
$10,000
4.33% ▲ 1.81% above Illinois avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.81% above avgNationally 2.99%
Details

Withdrawals made prior to maturity are subject to a loss of 120 days dividend

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
12 Month Certificate
$0
4.30% ▲ 1.78% above Illinois avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.78% above avgNationally 2.99%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
12 Month Certificate
$500
4.30% ▲ 1.78% above Illinois avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.78% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.25% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.73% above avgNationally 2.99%
Details

This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 10-5-26 | 12:02 PM CST

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
12 Month CD SPECIAL
$1,000
4.25% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.73% above avgNationally 2.99%
Details

Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
12 Month Special Certificates of Deposit
$10,000
4.25% ▲ 1.73% above Illinois avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.73% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.25%▼ from 4.60%
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
10-month special, with rollover into 12-month at time of maturity
$0
4.25% ▲ 1.73% above Illinois avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.73% above avgNationally 2.99%
Details

All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
12-Month Certificate of Deposit
$1,000
4.18% ▲ 1.66% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.66% above avgNationally 2.99%
Details

A penalty will or may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Sep 25, 2026: 4.18% APYSep 25, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Jumbo IRA Certificate
$75,000
4.15% ▲ 1.63% above Illinois avg
View
▼
Rate4.07%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.63% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Jumbo Share Certificate
$75,000
4.15% ▲ 1.63% above Illinois avg
View
▼
Rate4.07%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.63% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
4.15% ▲ 1.63% above Illinois avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
1 Year Certificate
$1,000
4.12% ▲ 1.60% above Illinois avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.60% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.31% → 4.12% ▲ 0.81 pts · high 4.12% / low 3.31%
2.50%3.72%4.93%Sep 14, 2026: 3.31% APYOct 7, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.12%▲ from 3.31%
  • Sep 14, 20263.31%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
1 Year One Year Certificate
$0
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month IRA Certificate
$1,000
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Share Certificate
$1,000
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
1 Year Share Certificate
$500
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate
$500
4.08% ▲ 1.56% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL 61008 9302
1 Year Certificate
$50,000
4.06% ▲ 1.54% above Illinois avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL 61008 9302
1 Year Mini Investment Certificate
$50,000
4.06% ▲ 1.54% above Illinois avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
12 Month Certificate
$2,500
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 12 Months
$1,000
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Quarterly compounding. IRA funds permitted. No business funds permitted.

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Certificate Special
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Business 12 Month Special
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 14, 2026: 3.70% APYSep 24, 2026: 3.85% APYOct 7, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.05%▲ from 3.85%
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Add-On; Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 18, 2026: 3.75% APYSep 25, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.05%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
12 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.52% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 1.52% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 4.04% ▲ 0.76 pts · high 4.04% / low 3.28%
2.52%3.66%4.80%Sep 18, 2026: 3.28% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates - 12 Month
$0
4.02% ▲ 1.50% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 1.50% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.50% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
12 Month Certificate
$1,000
4.01% ▲ 1.49% above Illinois avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.49% above avgNationally 2.99%
Details

Rate History
1 change since Oct 7, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Oct 7, 2026: 3.80% APYOct 11, 2026: 4.01% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.01%▲ from 3.80%
  • Oct 7, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
12 Mo. CD
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 11, 2026: 3.60% APYSep 24, 2026: 3.90% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.00%▲ from 3.90%
  • Sep 24, 20263.90%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
12 Month CD / IRA
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$20,000
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
300 E Northwest Hwy, Palatine, IL 60067
1 Year Certificate of Deposit
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
300 E Northwest Hwy, Palatine, IL 60067
1 Year IRA Certificate of Deposit
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
12 Month IRA Certificates
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

NCUA-insured; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 1 Year
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 Month Certificate
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
1 Year CD
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
4502 27th St Ste K, Moline, IL 61265
12-Month Certificate
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
12 Month IRA Certificate
$500
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026

Illinois 18 Month CD Rates

MonitorBankRates Illinois Average · 18 Month CD2.44% APY▲ 0.09% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Illinois is 2.44% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
4.62% ▲ 2.18% above Illinois avg
View
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 2.18% above avgNationally 2.87%
Details

Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted

Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
3.46%4.33%5.20%Sep 24, 2026: 4.04% APYOct 3, 2026: 4.62% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.62%▲ from 4.04%
  • Sep 24, 20264.04%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
18 Month Certificate of Deposit
$1,000
4.52% ▲ 2.08% above Illinois avg
View
▼
Rate4.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 2.08% above avgNationally 2.87%
Details

Compound Method: Calculated Daily, Compounded Semi-annually

Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
4.02%4.52%5.02%Oct 7, 2026: 4.52% APYOct 7, 2026Oct 13, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 18 Month
$0
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 18 Month
$0
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.87%
Details

Balance: $500 Minimum

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.40% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
18 Month Certificate
$500
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
18-Month CD
$1,000
4.35% ▲ 1.91% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
18 Month Certificate
$0
4.30% ▲ 1.86% above Illinois avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.86% above avgNationally 2.87%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
18 Month Certificates of Deposit (CDs)
$1,000
4.29% ▲ 1.85% above Illinois avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.85% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.43% → 4.29% ▲ 0.86 pts · high 4.29% / low 3.43%
2.57%3.86%5.15%Sep 18, 2026: 3.43% APYSep 24, 2026: 4.29% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.29%▲ from 3.43%
  • Sep 18, 20263.43%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
18 Month CD SPECIAL
$1,000
4.25% ▲ 1.81% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.87%
Details

Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
694 Bainbridge St, Barry, IL 62312
18 Month Certificates of Deposit (CDs)
$0
4.25% ▲ 1.81% above Illinois avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.87%
Details

Balance: $5,000 and over

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Tremont First National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
134 S Sampson St, Tremont, IL 61568
18 MONTH VARIABLE IRA
$250
4.22% ▲ 1.78% above Illinois avg
View
▼
Rate4.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.78% above avgNationally 2.87%
Details

IRA ONLY

Rate History
No change since Sep 27, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Sep 27, 2026: 4.22% APYSep 27, 2026Oct 13, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
4.17% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.73% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
521 Ferry Street, Metropolis, IL 62960
18-Month CD
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
18 Month CD
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.05%
  • Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
18 Month IRA
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.05%
  • Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
18 Month or 24 Month or 30 Month
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Specials: Pick Your Term

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.87%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate
$500
4.08% ▲ 1.64% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 13, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
18 Months IRA
$100
4.07% ▲ 1.63% above Illinois avg
View
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 6 Month Interest

Rate History
No change since Oct 11, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 11, 2026: 4.07% APYOct 11, 2026Oct 13, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
18-Month Certificate of Deposit
$1,000
4.07% ▲ 1.63% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.87%
Details

A penalty will or may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
18 Month Certificate
$1,000
4.06% ▲ 1.62% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.87%
Details

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.06%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
301 S Main St, Pleasant Hill, IL 62366
18 Month Certificate of Deposit
$1,000
4.06% ▲ 1.62% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.87%
Details

Rate History
1 change since Sep 11, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 11, 2026: 3.03% APYOct 11, 2026: 4.06% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.06%▲ from 3.03%
  • Sep 11, 20263.03%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
18 Month Certificates of Deposit (CDs)
$1,000
4.06% ▲ 1.62% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
4.03% ▲ 1.59% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90%
3.40%3.97%4.53%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.03%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
4.00% ▲ 1.56% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.87%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 18 Month Renewal
$0
3.87% ▲ 1.43% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.43% above avgNationally 2.87%
Details

Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
18 Month CD
$500
3.85% ▲ 1.41% above Illinois avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.41% above avgNationally 2.87%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
18 Month Certificate
$500
3.82% ▲ 1.38% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
18 Month Certificate
$2,500
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 18 Months
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
18 Month Certificate
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
18 Month Variable IRA
$500
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.80% ▲ 0.41 pts · high 3.80% / low 3.39%
2.89%3.59%4.30%Sep 14, 2026: 3.39% APYOct 8, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.80%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.80% ▲ 0.45 pts · high 3.80% / low 3.35%
2.85%3.58%4.30%Sep 14, 2026: 3.35% APYSep 20, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 20, 20263.80%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
106 E Main St, Teutopolis, IL 62467
18 Month CD
$0
3.79% ▲ 1.35% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.35% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.79% APY · checked 2 times
3.29%3.79%4.29%Oct 8, 2026: 3.79% APYOct 8, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
18 Month Certificate
$0
3.75% ▲ 1.31% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
18 Month Certificate (Fulton)
$0
3.75% ▲ 1.31% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Over $25,000

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
18 Month Geneseo / Andover CD
$0
3.75% ▲ 1.31% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
18 Month Sterling Certificate of Deposit
$0
3.75% ▲ 1.31% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
Geneseo / Andover 18 Months
$0
3.75% ▲ 1.31% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 9, 2026: 3.75% APYSep 9, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
26 Farragut Avenue, Great Lakes, IL 60088
18 Month Certificate of Deposit
$500
3.75% ▲ 1.31% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
18 Month IRA Certificate
$500
3.75% ▲ 1.31% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 1.26% above Illinois avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.26% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
18 Month CD
$0
3.70% ▲ 1.26% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.26% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
111 N Church St, Louisville, IL 62858
18 MONTH CD
$500
3.70% ▲ 1.26% above Illinois avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.26% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 18 Month
$0
3.66% ▲ 1.22% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.22% above avgNationally 2.87%
Details

Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Jumbo IRA Certificate
$75,000
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.87%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Jumbo Share Certificate
$75,000
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.87%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 13, 2026

Illinois 24 Month CD Rates

MonitorBankRates Illinois Average · 24 Month CD2.45% APY▲ 0.05% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Illinois is 2.45% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.81% ▲ 2.36% above Illinois avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 2.36% above avgNationally 2.88%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificates - 24 Months
$500
4.55% ▲ 2.10% above Illinois avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 2.10% above avgNationally 2.88%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.55%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
302 Main St, Savanna, IL 61074
20-month special, with rollover into 24-month at time of maturity
$0
4.50% ▲ 2.05% above Illinois avg
View
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 2.05% above avgNationally 2.88%
Details

All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
2 Year Certificate
$1,000
4.43% ▲ 1.98% above Illinois avg
View
▼
Rate4.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.98% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.26% → 4.43% ▲ 1.17 pts · high 4.43% / low 3.26%
2.09%3.84%5.60%Sep 14, 2026: 3.26% APYOct 7, 2026: 4.43% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.43%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
550 W Meadows Dr, Freeport, IL 61032 7610
24 Month Personal CD & IRA CD
$1,000
4.40% ▲ 1.95% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.95% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.40% ▲ 0.80 pts · high 4.40% / low 3.60%
2.80%4.00%5.20%Sep 14, 2026: 3.60% APYSep 21, 2026: 3.70% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 3.70%
  • Sep 21, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
24 Month Certificate
$0
4.30% ▲ 1.85% above Illinois avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details

$500 to $99,999.99

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.30% ▲ 1.85% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 24 Month
$0
4.30% ▲ 1.85% above Illinois avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 24 Month
$0
4.30% ▲ 1.85% above Illinois avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details

Balance: $500 Minimum

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 22, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
24 Month Certificates of Deposit (CDs)
$1,000
4.29% ▲ 1.84% above Illinois avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.54% → 4.29% ▲ 0.75 pts · high 4.29% / low 3.54%
2.79%3.92%5.04%Sep 18, 2026: 3.54% APYSep 24, 2026: 4.29% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.29%▲ from 3.54%
  • Sep 18, 20263.54%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3301 Vollmer Rd, Flossmoor, IL 60422
24-month CD/IRA Promotional Rate
$0
4.25% ▲ 1.80% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 13, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
24 Month CD SPECIAL
$1,000
4.25% ▲ 1.80% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate jumbo
$100,000
4.25% ▲ 1.80% above Illinois avg
View
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
24 Month Certificate
$500
4.25% ▲ 1.80% above Illinois avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate
$500
4.20% ▲ 1.75% above Illinois avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.75% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYSep 21, 2026: 3.85% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 18, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate HSA Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Balance: 24 months

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate IRA Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Balance: 24 months

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
24 Month Certificates of Deposit (CDs)
$1,000
4.16% ▲ 1.71% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.71% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
24 Month CD (2 year)
$1,000
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 7, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 7, 20260.25%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
24 Month IRA (2 year)
$1,000
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 19, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 19, 20260.25%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.70% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
24-Month Certificate of Deposit
$1,000
4.07% ▲ 1.62% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.62% above avgNationally 2.88%
Details

A penalty will or may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
24 Month Certificate
$1,000
4.06% ▲ 1.61% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.61% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Oct 7, 2026: 3.65% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.06%▲ from 3.65%
  • Oct 7, 20263.65%first recorded
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
2 Year CD
$0
4.05% ▲ 1.60% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.57% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.57% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.57% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
24-month CD
$1,000
4.00% ▲ 1.55% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
24 Mo. CD
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.60% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.00%▲ from 3.60%
  • Sep 24, 20263.60%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
24 Month CD
$500
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
IRA 24 month CD
$500
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1151 E Warrenville Rd, Naperville, IL 60563 9339
2 Year Certificates
$25,000
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Balance: $25,000+; Compounded monthly; paid monthly; Penalties apply for early withdrawal; Rates outline are a limited-time promotion

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 13, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
24 Month Certificate of Deposit
$1,000
3.96% ▲ 1.51% above Illinois avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 20, 2026: 3.85% APYOct 4, 2026: 3.96% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.96%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
24 Month Certificate
$2,500
3.95% ▲ 1.50% above Illinois avg
View
▼
Rate3.88%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.50% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 24 Months
$1,000
3.95% ▲ 1.50% above Illinois avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.50% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 24 Month Renewal
$0
3.92% ▲ 1.47% above Illinois avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.47% above avgNationally 2.88%
Details

Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 13, 2026
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
24-Month CD
$2,000
3.86% ▲ 1.41% above Illinois avg
View
▼
Rate3.82%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.86% APY · checked 5 times
3.36%3.86%4.36%Sep 19, 2026: 3.86% APYSep 19, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Certificates - 24 Month
$0
3.86% ▲ 1.41% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.41% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
24 Month Certificate
$500
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate
$500
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month IRA Certificates
$0
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$1,000
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Compounding: Daily

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56%
3.06%3.69%4.31%Sep 14, 2026: 3.56% APYSep 24, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.81%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 1 1/2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Term: 1 1/2 Year Certificate

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 2 1/2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Term: 2 1/2 Year Certificate

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
24 Month Certificate (No penalty for early withdrawal)
$1,000
3.80% ▲ 1.35% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.88%
Details

No penalty for early withdrawal

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1151 E Warrenville Rd, Naperville, IL 60563 9339
2 Year Certificates
$500
3.80% ▲ 1.35% above Illinois avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.88%
Details

Balance: $500 - $24,999; Compounded monthly; paid monthly; Penalties apply for early withdrawal; Rates outline are a limited-time promotion

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
24 Month Certificate
$5,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Daily compounding. IRA funds permitted. No business funds permitted

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL 61081 7626
2 Year Certificate
$1,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
1025 W Detweiller Dr, Peoria, IL 61615 2064
24 Month Share Certificate of Deposit
$0
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Term: 24-month Jumbo ($>50,000)

Rate History
3 changes since Sep 14, 2026 · 3.44% → 3.75% ▲ 0.31 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 22, 2026: 3.75% APYOct 5, 2026: 4.06% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▼ from 4.06%
  • Oct 5, 20264.06%▲ from 3.75%
  • Sep 22, 20263.75%▲ from 3.44%
  • Sep 14, 20263.44%first recorded

Illinois 36 Month CD Rates

MonitorBankRates Illinois Average · 36 Month CD2.37% APY▲ 0.06% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Illinois is 2.37% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
36-Month IRA
$0
5.02% ▲ 2.65% above Illinois avg
View
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 2.65% above avgNationally 2.81%
Details

Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates

Rate History
No change since Oct 12, 2026 · 5.02% APY
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificates - 36 Months
$500
4.71% ▲ 2.34% above Illinois avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 2.34% above avgNationally 2.81%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.71%▲ from 4.13%
  • Sep 16, 20264.13%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
36 Month Share Certificate
$0
4.45% ▲ 2.08% above Illinois avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 2.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 4.45% ▲ 1.70 pts · high 4.45% / low 2.75%
1.05%3.60%6.15%Sep 14, 2026: 2.75% APYOct 10, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.45%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
Minimum - Limited Time Specials! 36 Months
$0
4.45% ▲ 2.08% above Illinois avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 2.08% above avgNationally 2.81%
Details

$1,000; **

Rate History
No change since Oct 10, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 10, 2026: 4.45% APYOct 10, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.98% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.98% above avgNationally 2.81%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Year Certificate
$1,000
4.33% ▲ 1.96% above Illinois avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.96% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
2.09%3.77%5.45%Sep 14, 2026: 3.21% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.33%▲ from 3.21%
  • Sep 14, 20263.21%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
36 Months IRA
$100
4.33% ▲ 1.96% above Illinois avg
View
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.96% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Interest

Rate History
No change since Oct 11, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 11, 2026: 4.33% APYOct 11, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.83% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 36 Month
$0
4.20% ▲ 1.83% above Illinois avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 13, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 36 Month
$0
4.20% ▲ 1.83% above Illinois avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details

Balance: $500 Minimum

Rate History
1 change since Sep 22, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 22, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
36 Month Certificate
$1,000
4.16% ▲ 1.79% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.79% above avgNationally 2.81%
Details

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
3.20%3.93%4.66%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.16% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.16%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.78% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.73% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
3 Year CD
$0
4.10% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 1.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
36-Month Certificate of Deposit
$1,000
4.07% ▲ 1.70% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.70% above avgNationally 2.81%
Details

A penalty will or may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
36 Month Certificate
$2,500
4.05% ▲ 1.68% above Illinois avg
View
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 36 Months
$1,000
4.05% ▲ 1.68% above Illinois avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
36 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.67% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.65% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.65% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.65% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.65% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
36 Mo. CD
$0
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
36 Month CD
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
IRA 36 month CD
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
36 Month Certificate
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 36 Month Renewal
$0
3.97% ▲ 1.60% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.60% above avgNationally 2.81%
Details

Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month Certificates
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month HSA Certificates
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Balance: 36 months

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month IRA Certificates Roth, Traditional, Education
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Balance: 36 months

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
36 Month Certificate
$0
3.87% ▲ 1.50% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.50% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.67% → 3.87% ▲ 0.20 pts · high 3.87% / low 3.67%
3.17%3.77%4.37%Sep 19, 2026: 3.67% APYOct 7, 2026: 3.87% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.87%▲ from 3.67%
  • Sep 19, 20263.67%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month IRA Certificates
$0
3.86% ▲ 1.49% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Certificates - 36 Month
$0
3.86% ▲ 1.49% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.49% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
36 Month Certificate
$500
3.82% ▲ 1.45% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate
$500
3.82% ▲ 1.45% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 3 Year Certificate
$0
3.81% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.44% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
3 Year Share Certificate
$500
3.80% ▲ 1.43% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificates - 36 Month
$0
3.76% ▲ 1.39% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.39% above avgNationally 2.81%
Details

Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Jumbo IRA Certificate
$75,000
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Jumbo Share Certificate
$75,000
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
3 Years IRA
$500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
  • Sep 19, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
36 Months CD
$500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
  • Sep 19, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
36 Month Bump
$2,500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.19% → 3.70% ▲ 0.51 pts · high 3.70% / low 3.19%
2.68%3.45%4.21%Sep 14, 2026: 3.19% APYOct 7, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.70%▲ from 3.19%
  • Sep 14, 20263.19%first recorded
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
204 N Jackson St, Morrison, IL 61270
36 Month Certificate
$0
3.64% ▲ 1.27% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.27% above avgNationally 2.81%
Details

At Maturity

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 6 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 13, 2026
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
204 N Jackson St, Morrison, IL 61270
36 Month IRA Certificate
$0
3.64% ▲ 1.27% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.27% above avgNationally 2.81%
Details

Dividends: At Maturity

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 5 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month IRA Certificate
$1,000
3.60% ▲ 1.23% above Illinois avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Share Certificate
$1,000
3.60% ▲ 1.23% above Illinois avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
3 Year Share Certificate
$0
3.56% ▲ 1.19% above Illinois avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.19% above avgNationally 2.81%
Details

Interest paid twice annually/6-30 & 12/31. All rates are subject to change.

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 13, 2026
Havana National Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.61%
112 S Orange St, Havana, IL 62644
36 Month Certificate
$1,000
3.55% ▲ 1.18% above Illinois avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
36 Month Certificate
$0
3.55% ▲ 1.18% above Illinois avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1311 Shooting Park Rd, Peru, IL 61354
36 Month Certificates of Deposit
$0
3.55% ▲ 1.18% above Illinois avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Minimum $1,000.00

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
3 Year Share Certificate
$100,000
3.55% ▲ 1.18% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026

Illinois 48 Month CD Rates

MonitorBankRates Illinois Average · 48 Month CD2.45% APY▲ 0.09% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Illinois is 2.45% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.90% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.90% above avgNationally 2.80%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
48 Month Certificate
$1,000
4.22% ▲ 1.77% above Illinois avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.77% above avgNationally 2.80%
Details

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
3.18%3.96%4.74%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.22% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.22%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.75% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.75% above avgNationally 2.80%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
48 Month Certificate
$2,500
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 48 Months
$1,000
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Year CD
$0
4.15% ▲ 1.70% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
48 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.59% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.59% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
48 Mo. CD
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month Certificates
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month HSA Certificates
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Balance: 48 months

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month IRA Certificates Roth, Traditional, Education
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Balance: 48 months

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
48 Month Certificate
$0
3.98% ▲ 1.53% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.53% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 19, 2026: 3.77% APYOct 7, 2026: 3.98% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.98%▲ from 3.77%
  • Sep 19, 20263.77%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.52% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.52% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.52% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.52% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
48 Month Certificate
$500
3.87% ▲ 1.42% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.42% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate
$500
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month IRA Certificates
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Certificates - 48 Month
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 4 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
48 Months CD
$500
3.80% ▲ 1.35% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.15% → 3.80% ▲ 0.65 pts · high 3.80% / low 3.15%
2.50%3.47%4.45%Sep 11, 2026: 3.15% APYSep 19, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
  • Sep 19, 20263.80%▲ from 3.15%
  • Sep 11, 20263.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
4 Year Share Certificate
$500
3.80% ▲ 1.35% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
48 Month Certificate
$1,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 24, 2026: 3.24% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.24%
  • Sep 24, 20263.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
48 Month Certificate
$500
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Jumbo IRA Certificate
$75,000
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Jumbo Share Certificate
$75,000
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
48 Month CD
$500
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
Details

Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month IRA Certificate
$1,000
3.65% ▲ 1.20% above Illinois avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Share Certificate
$1,000
3.65% ▲ 1.20% above Illinois avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65% ▲ 1.20% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 13, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
48 Month Certificate
$1,000
3.65% ▲ 1.20% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$20,000
3.61% ▲ 1.16% above Illinois avg
View
▼
Rate3.56%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.16% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 0.65% → 3.61% ▲ 2.96 pts · high 3.61% / low 0.65%
0.00%3.29%6.57%Sep 14, 2026: 0.65% APYOct 8, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.61%▲ from 0.65%
  • Sep 14, 20260.65%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
48 Month Business Certificate of Deposit
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
48 Month Certificate
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
Business Certificates of Deposit - 48 Months
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
48 Month CD / IRA
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Share Certificate
$100,000
3.60% ▲ 1.15% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$1,000
3.58% ▲ 1.13% above Illinois avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 7 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56% ▲ 1.11% above Illinois avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.11% above avgNationally 2.80%
Details

Daily Balances $5,000.00 - and up

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Share Certificate
$50,000
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
48 Month IRA Certificate
$500
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
2.70%3.38%4.05%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
13 Collinsville Ave, East Saint Louis, IL 62201
48 Month Jumbo Certificate
$0
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts - 48 MONTHS
$0
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo HSA Certificate Accounts - 48 MONTHS
$0
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts - 48 MONTHS
$0
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 48 Month
$1,000
3.51% ▲ 1.06% above Illinois avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.06% above avgNationally 2.80%
Details

Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
48 Month Certificate
$0
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL 61081 7626
4 Year Certificate
$1,000
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
48 Month Certificate
$0
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
48 Month IRA Certificates
$0
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts - 48 MONTHS
$0
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.20%
  • Sep 14, 20263.20%first recorded

Illinois 60 Month CD Rates

MonitorBankRates Illinois Average · 60 Month CD2.49% APY▲ 0.07% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Illinois is 2.49% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
60 Month Share Certificate
$0
4.75% ▲ 2.26% above Illinois avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 2.26% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 4.75% ▲ 2.00 pts · high 4.75% / low 2.75%
0.75%3.75%6.75%Sep 14, 2026: 2.75% APYOct 10, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.75%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
Minimum - Limited Time Specials! 60 Months
$0
4.75% ▲ 2.26% above Illinois avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 2.26% above avgNationally 2.90%
Details

$1,000; **

Rate History
No change since Oct 10, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 10, 2026: 4.75% APYOct 10, 2026Oct 13, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
5 Year Certificate
$1,000
4.40% ▲ 1.91% above Illinois avg
View
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.91% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.40% ▲ 1.11 pts · high 4.40% / low 3.29%
2.18%3.85%5.51%Sep 14, 2026: 3.29% APYOct 7, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.91% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.91% above avgNationally 2.90%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
60 Month Certificate
$1,000
4.27% ▲ 1.78% above Illinois avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Oct 7, 2026 · 3.75% → 4.27% ▲ 0.52 pts · high 4.27% / low 3.75%
3.23%4.01%4.79%Oct 7, 2026: 3.75% APYOct 11, 2026: 4.27% APYOct 7, 2026Oct 13, 2026
  • Oct 11, 20264.27%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
5 Year Special Certificate - Optional Renewal - 5th Year
$2,500
4.25% ▲ 1.76% above Illinois avg
View
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.76% above avgNationally 2.90%
Details

Balance: $2,500.00 - $2,500.00

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
4.25% ▲ 1.76% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.76% above avgNationally 2.90%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
60 Month CD
$0
4.23% ▲ 1.74% above Illinois avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.49%▲ 1.74% above avgNationally 2.90%
Details

Monthly: 4.23%, Quarterly: 4.22%, Semi Annual: 4.19%

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.23% ▲ 0.78 pts · high 4.23% / low 3.45%
2.67%3.84%5.01%Sep 14, 2026: 3.45% APYOct 8, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.23%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
60 Month Certificate
$2,500
4.20% ▲ 1.71% above Illinois avg
View
▼
Rate4.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.71% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 5 Year Variable
$1,000
4.20% ▲ 1.71% above Illinois avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.71% above avgNationally 2.90%
Details

5 Year Variable*****

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
Roth IRA - 60 Months
$1,000
4.20% ▲ 1.71% above Illinois avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.71% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
5 Year CD
$0
4.20% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.49%▲ 1.71% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month Certificates
$0
4.10% ▲ 1.61% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month HSA Certificates
$0
4.10% ▲ 1.61% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.61% above avgNationally 2.90%
Details

Balance: 60 months

Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 22, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month IRA Certificates Roth, Traditional, Education
$0
4.10% ▲ 1.61% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.61% above avgNationally 2.90%
Details

Balance: 60 months

Rate History
No change since Oct 10, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 13, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
60 Month Certificate
$0
4.08% ▲ 1.59% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.87% → 4.08% ▲ 0.21 pts · high 4.08% / low 3.87%
3.37%3.98%4.58%Sep 19, 2026: 3.87% APYOct 7, 2026: 4.08% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.08%▲ from 3.87%
  • Sep 19, 20263.87%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
60 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.55% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.55% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
60 Mo. CD
$0
4.00% ▲ 1.51% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.51% above avgNationally 2.90%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.80% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Oct 11, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates - 60 Month
$0
4.00% ▲ 1.51% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.51% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 1.51% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.51% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.41% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.41% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
60 Month Certificate
$500
3.87% ▲ 1.38% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.49%▲ 1.38% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.36% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.36% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
60 Months CD
$500
3.85% ▲ 1.36% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 11, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 11, 2026: 3.30% APYSep 19, 2026: 3.85% APYSep 11, 2026Oct 13, 2026
  • Sep 19, 20263.85%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month IRA Certificates
$0
3.84% ▲ 1.35% above Illinois avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.35% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Certificates - 60 Month
$0
3.84% ▲ 1.35% above Illinois avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.35% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate
$500
3.82% ▲ 1.33% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.49%▲ 1.33% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate 5 Year Certificate
$0
3.81% ▲ 1.32% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.32% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
5 Year Share Certificate
$500
3.80% ▲ 1.31% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.49%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Certificate
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Certificate (Fulton)
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Over $25,000

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Geneseo / Andover CD
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Sterling Certificate of Deposit
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
Geneseo / Andover 60 Months
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Sep 9, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 9, 2026: 3.75% APYSep 9, 2026Oct 13, 2026
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
120 W Saint Louis St, Nashville, IL 62263
60 Month IRA
$25
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.69%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
60 Month CD / IRA
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
60 Month Certificate
$1,000
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29%
2.79%3.52%4.25%Sep 14, 2026: 3.29% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
60 Month IRA
$1,000
3.75% ▲ 1.26% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29%
2.79%3.52%4.25%Sep 24, 2026: 3.29% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.29%
  • Sep 24, 20263.29%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Jumbo Share Certificates
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Traditional & Roth IRA Share Certificates
$0
3.75% ▲ 1.26% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.26% above avgNationally 2.90%
Details

Balance: $50,000+

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Jumbo IRA Certificate
$75,000
3.70% ▲ 1.21% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.21% above avgNationally 2.90%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Jumbo Share Certificate
$75,000
3.70% ▲ 1.21% above Illinois avg
View
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.21% above avgNationally 2.90%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
60 Month Certificate
$0
3.66% ▲ 1.17% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.49%▲ 1.17% above avgNationally 2.90%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
IRA Certificate 60 Months
$0
3.66% ▲ 1.17% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.49%▲ 1.17% above avgNationally 2.90%
Details

Balance: $50,000 + (Traditional)

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 13, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate 60 Months
$0
3.66% ▲ 1.17% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.49%▲ 1.17% above avgNationally 2.90%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month IRA Certificate
$1,000
3.65% ▲ 1.16% above Illinois avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.16% above avgNationally 2.90%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Share Certificate
$1,000
3.65% ▲ 1.16% above Illinois avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.16% above avgNationally 2.90%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
5 Year Share Certificate
$100,000
3.65% ▲ 1.16% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.49%▲ 1.16% above avgNationally 2.90%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts - 60 MONTHS
$0
3.65% ▲ 1.16% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.16% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo HSA Certificate Accounts - 60 MONTHS
$0
3.65% ▲ 1.16% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.49%▲ 1.16% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.65%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Illinois Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
First Savings Bank of Hegewisch
18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.62%
Lindell Bank & Trust Company
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 1.91%
Min: $1,000
4.52%
Fidelity Bank Savanna, IL
20-month special, with rollover into 24-month at time of maturity
A 5.0 ★ TX: 7.99%
Min: $0
4.50%
De Witt Savings Bank
3 Month Certificate
A 5.0 ★ TX: 6.29%
Min: $1,000
4.48%
United Fidelity Bank
6-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
36-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
5.02%
FIRST EAGLE
1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
United Equity Credit Union
60 Month Share Certificate
A+ 5.0 ★ TX: 0.71%
Min: $0
4.75%
GenFed Financial Credit Union
IRA Certificates - 12 Month
A+ 5.0 ★ TX: 4.88%
Min: $0
4.50%
Michigan State University Federal Credit Union
5-Year Certificate or IRA-HSA Jumbo
A 5.0 ★ TX: 9.64%
Min: $0
4.40%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Illinois CD Trends
12-Month CD IL Avg
2.519%
▲ 0.066 vs 7 days ago

Illinois 12-month CD rates rose 0.066 points over the past 7 days to 2.519% APY.

6-Month CD IL Avg
2.315%
▲ 0.036 vs 7 days ago

Illinois 6-month CD rates rose 0.036 points over the past 7 days to 2.315% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

IL CD Rate Forecast, Next 12 Months

Where are Illinois CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

IL 12-Month Avg APY
2.519%
6-Month Forecast
2.519%
Range: 2.32%, 2.67%
12-Month Forecast
2.769%
Range: 2.57%, 2.92%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Illinois average 12-month CD APY in our database.

Spread model: The Illinois 12-month CD average currently trades 1.86% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.568% $78.40 $156.79 $391.98 $783.95
6-Month CD 2.315% $115.74 $231.48 $578.70 $1,157.40
12-Month CD 2.519% $125.94 $251.88 $629.70 $1,259.40
18-Month CD 2.436% $121.78 $243.56 $608.90 $1,217.80
24-Month CD 2.446% $122.31 $244.62 $611.55 $1,223.10
36-Month CD 2.367% $118.36 $236.72 $591.80 $1,183.60
48-Month CD 2.448% $122.41 $244.82 $612.05 $1,224.10
60-Month CD 2.487% $124.35 $248.69 $621.73 $1,243.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit IL Avg APY Annual Earnings
1 3-Month CD $5,000 1.568% $78.40
2 6-Month CD $5,000 2.315% $115.74
3 12-Month CD $5,000 2.519% $125.94
4 24-Month CD $5,000 2.446% $122.31
5 36-Month CD $5,000 2.367% $118.36
Total ($25,000 invested) $25,000 2.243% blended $560.75/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.

Powered byMonitorBankRates
2,079
CD Rates
Tracked in Illinois
81 Banks 63 Credit Unions

About Our Illinois CD Rate Database

MonitorBankRates tracks 2,079 CD rates from 81 banks and 63 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 to 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: National Police Federal Credit Union offers a CD at 5.02% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Illinois.

How to Find the Best CD Rates in Illinois

What to compare when shopping for a CD in Illinois

To find the best APYs in Illinois, start with credit unions and online-only banks: Illinois has 63 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: 144 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Illinois savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Illinois money market rates

Illinois Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$48,393
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At IL 12-mo avg 2.519% 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 2.519%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $122 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Illinois

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Illinois typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Illinois as everywhere in the U.S.

Choosing a CD Term in Illinois

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Illinois savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, United Equity Credit Union is offering its 60 Month Share Certificate at 4.75% 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:
  • National Police Federal Credit Union: 5.02% APY (36-Month IRA)
  • FIRST EAGLE: 5.00% APY (1 Year Certificate)
  • United Equity Credit Union: 4.75% APY (60 Month Share Certificate)
  • First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
  • Lindell Bank & Trust Company: 4.52% APY (18 Month Certificate of Deposit)
  • Fidelity Bank Savanna, IL: 4.50% APY (20-month special, with rollover into 24-month at time of maturity)
  • GenFed Financial Credit Union: 4.50% APY (IRA Certificates - 12 Month)
  • De Witt Savings Bank: 4.48% APY (3 Month Certificate)
  • United Fidelity Bank: 4.40% APY (6-Month CD)
  • Michigan State University Federal Credit Union: 4.40% APY (5-Year Certificate or IRA-HSA Jumbo)
Rates reflect recent verified offers available in Illinois. Last Updated: October 13, 2026

Illinois CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Illinois CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Illinois. Averages shown use the Illinois state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Illinois

Illinois CD Calculator

At today’s IL top rate of 5.02% APY, a $10,000 deposit earns $502 in the first year. Enter your amount to see your exact return.

Illinois CD Ladder

IL CD rates currently range from 1.568% (3-month) to 2.367% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Illinois CD at 5.02% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Illinois’s average 12-month CD is 2.519% 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: October 13, 2026

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Cities in Illinois

  • Abingdon
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  • Addieville
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  • Adrian
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  • Albany
  • Albers
  • Albion
  • Alden
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  • Alvan (Alvin)
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  • Amboy
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  • Anna
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  • Barry
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  • Grantfork
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  • Lima
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  • Lincoln S New Salem
  • Lincolnshire
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  • Lisle
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  • Long Creek
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  • Long Point
  • Longview
  • Loogootee
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  • Lostant
  • Louisville
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  • Lowder
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  • Machesney Park
  • Mackinaw
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  • McNabb
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  • Media
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  • Milmine
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  • Mineral
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  • Mode
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  • Modoc
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  • Mooseheart
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  • Morrison
  • Morrisonville
  • Morton
  • Morton Grove
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