Brussels, Illinois CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Brussels, Illinois CD rates include Bank of KampsvilleBank of Kampsville169 E Main St, Brussels, IL 62013A+5.0 ★Texas Ratio: 0.65%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 3.80% APY, Merchants Bank of IndianaMerchants Bank of IndianaA+5.0 ★Texas Ratio: 4.20%Real return: +2.06%APY minus CPI (February 2026) offering 12 Month Flex Index CD at 4.86% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 15.61%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, and Policemens Federal Credit UnionPolicemens Federal Credit UnionA+5.0 ★Texas Ratio: 0.46%Real return: +1.30%APY minus CPI (February 2026) offering 6 months Certificate at 4.10% APY. CD rates as of May 2, 2026 according to verified data from MonitorBankRates.
Brussels has 8 local institutions in our database, with CD rates as high as 3.80% APY from Bank of Kampsville at 169 E Main St, Brussels, IL 62013. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 2, 2026
Compare Best CD Rates in Brussels, Illinois & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
3 Month Certificate of Deposit
$2,500
0.25%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 03/19/2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Months (91 Days) CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3-month - Share Certificates or Greater
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 3 MONTHS
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Months CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
3 Months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
91 Day CD (3 Months)
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
3 Month Certificate of Deposit
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
3 Months Fixed Interest Rate Certificates of Deposit
$100,000
1.50%
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit (CD) 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
Regular Certificate IRA 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Term Certificates: Regular & IRA (Traditional & Roth) 3 mos
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 month Certificate
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
3 mo Share Certificate
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First Community Bank of Moultrie County
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
Certificate of Deposit 3 Month
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FNB in Taylorville
Institution Rating:
B+4.8 ★Texas Ratio: 17.11%
Certificates of Deposit 3 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
3 Months Certificates of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Certificates of Deposit
$2,500
0.20%
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
3 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3 Month CD
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Early withdrawal penalties may apply
First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Roth IRAs 90 Day CD
$50,000
0.05%
▼
Rate0.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 months Certificate
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Mo. Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 month CD Special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Months Certificate of Deposits/IRAs
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month CD Specials
$2,500
3.70%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$2,000
3.65%
▼
Rate3.62%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 6 Months
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 6 Months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 6 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
6 Months Certificate of Deposit
$1,000
3.59%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 03/19/2026
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6 Months Share Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Months (182 Days) CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
6-month - Share Certificates or Greater
$0
3.32%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
182 Day CD (6 Months)
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
6 month CD and over
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 6 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $100 (Youth) or $500 (Regular/IRA)
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 6 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
6 Months Certificates of Deposit
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Months CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
12 Month Certificate of Deposit
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
12 Month Flex Index CD
$1,000
4.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Flex Index CD Annual Percentage Yield (APY) is accurate as of 03/19/2026; Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%; Interest rate may change at any time based on changes in the index
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months (1 year) Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.**
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.90%
▼
Rate3.83%
Min Deposit$150,000
Min Balance—
UpdatedApr 17, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
12 Months Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Months Certificate of Deposits/IRAs
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
Limited time offer. Only available in our branches.
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$2,000
3.70%
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 12 Months
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 2, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
12 Month Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
12 Month CD (a)
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 12 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month CD
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12 month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
12 Month CD
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
12 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 24, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 12 Months
$5,000
3.50%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 1 Year Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $500
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
12 Months Certificate of Deposit
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
12-month - Share Certificates or Greater
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
12 Months Certificates of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
1 Year CD/IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
12 month CD and over
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Month Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 12 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Central Federal SLA
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
12 Month CD Special - IRA
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
18 Month Certificate of Deposit
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Save more when you move at least $500 from another financial institution.
Blackhawk Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18-MONTH CD Silver Hawk Club
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 18 Months
$1,000
3.68%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
18 Months Certificate of Deposit
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
18 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
18 Month Certificate or IRA-HSA Jumbo
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 24, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month CD (a)
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedApr 24, 2026
Details
Variable Rate Compounded Monthly
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 18 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
18 months CD and over
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 Month Special Certificate of Deposits & IRA Specials
$150,000
3.25%
▼
Rate3.20%
Min Deposit$150,000
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
18 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 Months Certificates of Deposit
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
18-month - Share Certificates or Greater
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month CD
$2,000
3.20%
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 18 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $100 (Youth) or $500 (Regular/IRA)
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 months Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 18, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month CD
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Months CD
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month CD/IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months Certificates of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Special Certificates of Deposit 18 Months
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate of Deposit 18 Months
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month CD
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 03/19/2026
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Share/IRA Certificates 18-month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18 Month CD
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
24 Month Certificate of Deposit
$1,000
2.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Months Certificate of Deposits/IRAs
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 24 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA Jumbo
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
24 Month CD/IRA
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 24 MONTHS
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH CERTIFICATE
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
24 month CD and over
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
24 Months Certificate of Deposit
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
24 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
24 Months Certificates of Deposit
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 months (2 years) Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 18, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
24-month - Share Certificates or Greater
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Accounts 2 Years
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Share/IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
24 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 2 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $500
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 Month Special Certificate of Deposits & IRA Specials
$150,000
3.00%
▼
Rate2.96%
Min Deposit$150,000
Min Balance—
UpdatedApr 17, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
24 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Months Share Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Share/IRA Certificates 24-month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
24 Months Fixed Interest Rate Certificates of Deposit
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate of Deposit 2 Years
$500
2.74%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month Certificate
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Daily compounding. IRA funds permitted. No business funds permitted
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Month CD
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
24 Month CD
$1,000
2.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 03/19/2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
24 Month CD / IRA
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Term Certificates: Regular & IRA (Traditional & Roth) 24 mos
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Certificate
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
36 Month Certificate of Deposit
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 36 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month CD (a)
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 36 MONTHS
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
36 month CD and over
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
36 Months - No Penalty for Early Withdrawal Certificate of Deposit
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
36 months Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 18, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Accounts 3 Years
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
36-month - Share Certificates or Greater
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 3 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $500
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Term Certificates: Regular & IRA (Traditional & Roth) 36 mos
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Months Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36 Month Special Certificate of Deposits & IRA Specials
$150,000
2.80%
▼
Rate2.76%
Min Deposit$150,000
Min Balance—
UpdatedApr 17, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates of Deposit (CDs) 36 months
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
Regular Certificate IRA 36 month
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
36 Months Fixed Interest Rate Certificates of Deposit
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
36 Months Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate of Deposit 3 Years
$500
2.74%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
36 Month CD
$1,000
2.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The Annual Percentage Yield (APY) is accurate as of 03/19/2026
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
36 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Years Certificates of Deposit
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 Month CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 24, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD (3 Year)
$0
2.42%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Share Certificates 36 months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
48 Month Certificate of Deposit
$1,000
1.76%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA Jumbo
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 48 Months
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month CD (a)
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 48 MONTHS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
48 month CD and over
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
48 Months Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Term Certificates: Regular & IRA (Traditional & Roth) 48 mos
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
48 Months Certificate of Deposit
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Months CD
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
48 Month Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 4 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $100 (Youth) or $500 (Regular/IRA)
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 48 Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
48-month - Share Certificates or Greater
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
48 Month CD
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
Regular Certificate IRA 48 month bump rate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
48 Months Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
4 Years Certificates of Deposit
$0
2.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fairview State Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
Certificate of Deposit - Minimum Balance to Open is 48 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$2,500.00
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
48 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
48 Month CD (4 Year)
$0
2.47%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates of Deposit (CDs) 48 months
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Regular & IRA Certificates (CDs) - Minimum 48 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $10,000
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 24, 2026
Details
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Liberty Bank Liberty, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA - 48 months
$0
2.11%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month CD
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month CD
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificates
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
169 E Main St, Brussels, IL 62013
60 Month Certificate of Deposit
$1,000
2.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Months Certificate of Deposits/IRAs
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
CDs/IRAs 60 Months
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
60 month CD and over
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
$100,000
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
60 Month Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 60 MONTHS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Minimum deposit to open is $1,000. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. Existing 6 and 12 month CDs must be renewed into a new CD to earn this great rate.
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 24, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Minimum balance of $10,000 is required.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
60 Months Certificates of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
60 Month CD/IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Months CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Special IRA 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
IRA Certificate of Deposit 5 Years
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance Requirement $100 (Youth) or $500 (Regular/IRA)
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
60-month - Share Certificates or Greater
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Months Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
60 Months Certificate of Deposit
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Quarterly Compound
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
5 Years Certificates of Deposit
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
60 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 60 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
60 Months Fixed Interest Rate Certificates of Deposit
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
60 Months Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
60 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
60 Month Standard Certificates of Deposit
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Rates are not guaranteed and are subject to change without notice.
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
Share Certificates 60 months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 60 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
*60 Month Roth IRA
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
IRA Certificates of Deposit 60 Month
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Regular & IRA Certificates (CDs) - Minimum 60 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $10,000
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
60 Month CD
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Share Certificates
$1,000
2.17%
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
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.
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Brussels, IL CD Rate Trends
Compare local Brussels, IL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — IL Avg
2.474%
▼ 0.062 vs 7 days ago
Illinois 12-month CD rates fell 0.062 points over the past 7 days to 2.474% APY.
6-Month CD — IL Avg
2.354%
▼ 0.073 vs 7 days ago
Illinois 6-month CD rates fell 0.073 points over the past 7 days to 2.354% APY.
As of May 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.474%
6-Month Forecast
2.474%
Range: 2.27% – 2.62%
12-Month Forecast
2.224%
Range: 2.02% – 2.37%
Powered by
MonitorBankRates
What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.882% | $94.12 | $188.24 | $470.60 | $941.20 |
| 6-Month CD | 2.354% | $117.71 | $235.41 | $588.53 | $1,177.05 |
| 12-Month CD | 2.474% | $123.69 | $247.38 | $618.45 | $1,236.90 |
| 18-Month CD | 2.502% | $125.12 | $250.24 | $625.60 | $1,251.20 |
| 24-Month CD | 2.290% | $114.48 | $228.96 | $572.40 | $1,144.80 |
| 36-Month CD | 2.411% | $120.54 | $241.07 | $602.68 | $1,205.35 |
| 48-Month CD | 2.617% | $130.83 | $261.66 | $654.15 | $1,308.30 |
| 60-Month CD | 2.490% | $124.48 | $248.95 | $622.38 | $1,244.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 2, 2026. | |||||
Sample CD Ladder for Brussels, Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.882% | $94.12 |
| 2 | 6-Month CD | $5,000 | 2.354% | $117.71 |
| 3 | 12-Month CD | $5,000 | 2.474% | $123.69 |
| 4 | 24-Month CD | $5,000 | 2.290% | $114.48 |
| 5 | 36-Month CD | $5,000 | 2.411% | $120.54 |
| Total ($25,000 invested) | $25,000 | 2.282% blended | $570.54/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,159
CD Rates
Tracked in Brussels, Illinois
Tracked in Brussels, Illinois
82 Banks
46 Credit Unions
About Our Brussels, Illinois CD Rate Database
MonitorBankRates tracks 1,159 CD rates from 82 banks and 46 credit unions with locations in Brussels, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Bank of Kampsville offers a CD at 3.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Brussels, Illinois.
How to Find the Best CD Rates in Brussels, Illinois
What to compare when shopping for a CD in Brussels, Illinois
To find the best APYs in Brussels, Illinois, start with credit unions and online-only banks — Brussels, Illinois has 46 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 Brussels, 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 Brussels, Illinois — 128 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Brussels, Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Brussels, Illinois money market rates
Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$120/yr
At IL 12-mo avg 2.474% 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 2.474%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $120 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 Brussels, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Brussels, Illinois
Are CD rates in Brussels, Illinois FDIC insured?
Yes, most established banks in Brussels, 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 Brussels, 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 Brussels, 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 Brussels, 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 Brussels, Illinois?
Here are recent top rates found for this area:
- Bank of Kampsville: 3.80% APY (12 Month Certificate of Deposit)
- Merchants Bank of Indiana: 4.86% APY (12 Month Flex Index CD)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Policemens Federal Credit Union: 4.10% APY (6 months Certificate)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Crossroads Bank Effingham, IL: 4.00% APY (48-Month CD)
- CIBC: 4.00% APY (Agility 12-month CD)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
Rates reflect recent verified offers available in Brussels, Illinois. Last Updated: May 2, 2026
CD Calculators for Brussels, Illinois
Brussels, Illinois CD Calculator
At today’s IL top rate of 3.80% APY, a $10,000 deposit earns $380 in the first year. Enter your amount to see your exact return.
Brussels, Illinois CD LadderIL CD rates currently range from 1.882% (3-month) to 2.411% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Brussels, Illinois CD at 3.80% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.474% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Brussels, 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 pulling data straight 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 Brussels, 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: May 2, 2026
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