Chicago, Illinois Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Chicago, Illinois CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Chicago, 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 Savings Bank of HegewischFirst Savings Bank of Hegewisch13220 S Baltimore Ave, Chicago, IL 60633A+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, United Fidelity BankUnited Fidelity Bank1701 W 87th St, Chicago, IL 60620A+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 6-Month CD at 4.40% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union2500 N Halsted St, Chicago, IL 60614 6999A5.0 ★Texas Ratio: 9.64%Real return: +1.60%APY minus CPI (February 2026) offering 5-Year Certificate or IRA-HSA Jumbo at 4.40% APY, and Planites Credit UnionPlanites Credit Union300 E Randolph ST, Chicago, IL 60601 5014A+5.0 ★Texas Ratio: 3.17%Real return: +1.60%APY minus CPI (February 2026) offering Investment Certificates - 1 Year at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Chicago has 443 local institutions in our database, with CD rates as high as 5.02% APY from National Police Federal Credit Union at 1407 W Washington Blvd, Chicago, IL 60607 1820. 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, 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 Chicago, Illinois & the Surrounding Area
Chicago 3 Month CD Rates
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
Share Certificates - 3 Months
$500
4.08%
▲ 2.51% above Illinois avg
▼
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%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
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
▼
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%
- Sep 25, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
3 Month IRA Certificate of Deposit
$0
2.78%
▲ 1.21% above Illinois avg
▼
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
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
3 Month Term Share Certificate
$0
2.78%
▲ 1.21% above Illinois avg
▼
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
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
▼
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
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
3 Month Certificate
$1,000
1.25%
▼ 0.32% below Illinois avg
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 0.32% below avgNationally 2.09%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 1.25% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 3 month
$100,000
1.12%
▼ 0.45% below Illinois avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 0.45% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12%
▼ 0.45% below Illinois avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 0.45% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 3 month
$500
1.02%
▼ 0.55% below Illinois avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 0.55% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 12, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 3 month
$500
1.02%
▼ 0.55% below Illinois avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 0.55% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 1.02% APY
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
5000 N Elston Ave, Chicago, IL 60630
3 Month Certificate
$0
1.00%
▼ 0.57% below Illinois avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 0.57% below avgNationally 2.09%
Details
Disclosure
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
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 - 3 Months
$0
1.00%
▼ 0.57% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▼ 0.57% below avgNationally 2.09%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL 60640 5017
3 mo Share Certificate
$1,000
0.35%
▼ 1.22% below Illinois avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average1.57%▼ 1.22% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
3 Month Certificate
$0
0.25%
▼ 1.32% below Illinois avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▼ 1.32% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10 S Wacker Dr, Chicago, IL 60606
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.51% below Illinois avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.51% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10 S Wacker Dr, Chicago, IL 60606
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.51% below Illinois avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.51% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10 S Wacker Dr, Chicago, IL 60606
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.52% below Illinois avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.52% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
3 Month IRA Certificates
$0
0.05%
▼ 1.52% below Illinois avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▼ 1.52% below avgNationally 2.09%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
3 Month Standard CD
$0
0.05%
▼ 1.52% below Illinois avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▼ 1.52% below avgNationally 2.09%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
3 Month Certificate of Deposit
$0
0.03%
▼ 1.54% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.54% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
3 Month Certificate
$2,500
0.03%
▼ 1.54% below Illinois avg
▼
Rate0.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.54% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
3 Month Certificate of Deposit
$0
0.02%
▼ 1.55% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.55% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
3 Month Certificate of Deposit
$0
0.01%
▼ 1.56% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.56% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Month Certificate
$1,000
4.48%
▲ 2.91% above Illinois avg
▼
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%
- Oct 7, 20264.48%▲ from 3.53%
- Sep 14, 20263.53%first recorded
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 3 Months
$0
4.01%
▲ 2.44% above Illinois avg
▼
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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.28% above Illinois avg
▼
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
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82%
▲ 2.25% above Illinois avg
▼
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
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 2.18% above Illinois avg
▼
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
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month CD
$1,000
3.65%
▲ 2.08% above Illinois avg
▼
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
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
90 Day / 3 Month CD Special
$1,000
3.65%
▲ 2.08% above Illinois avg
▼
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
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
3 Month CD
$0
3.51%
▲ 1.94% above Illinois avg
▼
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
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Certificate - 3 Month
$1,000
3.51%
▲ 1.94% above Illinois avg
▼
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
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
3 Month CD
$0
3.45%
▲ 1.88% above Illinois avg
▼
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%
- 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%
3-Month Certificate of Deposit
$1,000
3.45%
▲ 1.88% above Illinois avg
▼
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
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month CD
$500
3.45%
▲ 1.88% above Illinois avg
▼
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
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Term and Share Certificates
$0
3.43%
▲ 1.86% above Illinois avg
▼
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
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Business Certificate of Deposit
$0
3.34%
▲ 1.77% above Illinois avg
▼
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
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Certificate
$0
3.34%
▲ 1.77% above Illinois avg
▼
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
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Business Certificates of Deposit - 3 Months
$0
3.34%
▲ 1.77% above Illinois avg
▼
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
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month Certificate
$500
3.30%
▲ 1.73% above Illinois avg
▼
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
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.25%
▲ 1.68% above Illinois avg
▼
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
Chicago 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1701 W 87th St, Chicago, IL 60620
6-Month CD
$1,000
4.40%
▲ 2.09% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 2.09% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%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 - 6 Months
$500
4.24%
▲ 1.93% above Illinois avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.93% above avgNationally 2.77%
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%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
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
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.77%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 21, 2026 · 4.10% APY · checked 5 times
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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
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
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
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
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
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
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
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
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%
- Sep 25, 20263.95%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
6 Month CD
$0
3.82%
▲ 1.51% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.77%
Details
Balance: $0.01
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
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%
- 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
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- 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
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
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
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.77%
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%
- Sep 25, 20263.80%▲ from 3.55%
- Sep 18, 20263.55%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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
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%
- Oct 5, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
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
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
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
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details
Balance: $500 Minimum
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month IRA Certificate
$1,000
3.60%
▲ 1.29% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Jumbo IRA Certificate
$75,000
3.60%
▲ 1.29% above Illinois avg
▼
Rate3.54%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Jumbo Share Certificate
$75,000
3.60%
▲ 1.29% above Illinois avg
▼
Rate3.54%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Share Certificate
$1,000
3.60%
▲ 1.29% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$100,000
3.55%
▲ 1.24% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.24% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.55% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month CD
$500
3.50%
▲ 1.19% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.77%
Details
Earn 3.50% APY on balances of $500 or more.
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
6 Month Certificate
$1,000
3.50%
▲ 1.19% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.77%
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$50,000
3.50%
▲ 1.19% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$1,000
3.35%
▲ 1.04% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.04% above avgNationally 2.77%
Details
Dividends compounded: Monthly; Balance method: Daily; Dividends paid: Monthly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 6 month
$100,000
3.16%
▲ 0.85% above Illinois avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 0.85% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16%
▲ 0.85% above Illinois avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 0.85% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 6 month
$500
3.05%
▲ 0.74% above Illinois avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 0.74% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 12, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 6 month
$500
3.05%
▲ 0.74% above Illinois avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 0.74% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.05% APY
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
6 Month IRA Certificate of Deposit
$0
2.78%
▲ 0.47% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 0.47% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
6 Month Term Share Certificate
$0
2.78%
▲ 0.47% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 0.47% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
6 Month Certificate
$10
2.75%
▲ 0.44% above Illinois avg
▼
Rate2.72%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 0.44% above avgNationally 2.77%
Details
Quarterly compounding $10 minimum additions allowed
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 6 month
$0
2.28%
▼ 0.03% below Illinois avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.03% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 4 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Jumbo Share Certificates
$0
2.25%
▼ 0.06% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.77%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 2.25% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Traditional & Roth IRA Share Certificates
$0
2.25%
▼ 0.06% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.77%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 2.25% APY
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
6 Month Certificate
$1,000
2.10%
▼ 0.21% below Illinois avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 6 Month Share Certificate
$1,000
2.10%
▼ 0.21% below Illinois avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.77%
Details
Rate History
No change since Sep 29, 2026 · 2.10% APY · checked 2 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Share Certificates
$0
2.10%
▼ 0.21% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.77%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.10% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Traditional & Roth IRA Share Certificates
$0
2.10%
▼ 0.21% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.77%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.10% APY
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
6 Month Share Certificates
$0
2.00%
▼ 0.31% below Illinois avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
6 Month Business Share Certificates Plus (CD)
$0
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
6 Month Share Certificate (CD)
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
6 Month Share Certificate Plus (CD)
$0
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
6 Month Traditional IRA Certificate
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 6 Months
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
6 Month Certificate
$100,000
1.85%
▼ 0.46% below Illinois avg
▼
Rate1.84%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▼ 0.46% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
6 Month Certificate
$1,000
1.80%
▼ 0.51% below Illinois avg
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 6 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Share Certificates
$0
1.80%
▼ 0.51% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.77%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 1.30% → 1.80% ▲ 0.50 pts · high 1.80% / low 1.30%
- Oct 1, 20261.80%▲ from 1.30%
- Sep 18, 20261.30%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Traditional & Roth IRA Share Certificates
$0
1.80%
▼ 0.51% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.77%
Details
Balance: $2,500 - $24,999.99
Rate History
No change since Oct 13, 2026 · 1.80% APY
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
6 Month Certificate
$1,000
1.25%
▼ 1.06% below Illinois avg
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.06% below avgNationally 2.77%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 1.25% APY · checked 4 times
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
5000 N Elston Ave, Chicago, IL 60630
6 Month Certificate
$0
1.00%
▼ 1.31% below Illinois avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.31% below avgNationally 2.77%
Details
Disclosure
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Chicago 12 Month CD Rates
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
12-Month IRA
$0
4.60%
▲ 2.08% above Illinois avg
▼
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%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%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
▼
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%
- 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
▼
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%
- 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
▼
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%
- Oct 8, 20264.39%▲ from 3.92%
- Sep 16, 20263.92%first recorded
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
▼
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%
- 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
▼
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
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
▼
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%
- Oct 7, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
12 Month Certificate
$1,000
4.05%
▲ 1.53% above Illinois avg
▼
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
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
▼
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%
- Sep 25, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
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
▼
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
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
▼
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
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
▼
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
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
$0
3.90%
▲ 1.38% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.38% above avgNationally 2.99%
Details
Add-On; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Sep 25, 20263.90%▲ from 3.60%
- Sep 18, 20263.60%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 - 12 Months
$0
3.75%
▲ 1.23% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.23% above avgNationally 2.99%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
- Oct 5, 20263.75%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$100,000
3.60%
▲ 1.08% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.08% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$50,000
3.55%
▲ 1.03% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.03% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$1,000
3.40%
▲ 0.88% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.88% above avgNationally 2.99%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.40% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 12 month
$100,000
3.31%
▲ 0.79% above Illinois avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 0.79% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 12 month
$100,000
3.31%
▲ 0.79% above Illinois avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 0.79% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 12 month
$0
3.30%
▲ 0.78% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
12 Month CD
$0
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Balance: $0.01
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
12 Month Certificate
$10
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.21%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Quarterly compounding $10 minimum additions allowed
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
12 Month Business Share Certificates Plus (CD)
$0
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
12 Month Share Certificate (CD)
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
12 Month Share Certificate Plus (CD)
$0
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
12 Month Traditional IRA Certificate
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 12 Months
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 12 month
$500
3.21%
▲ 0.69% above Illinois avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 0.69% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 12, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 12 month
$500
3.21%
▲ 0.69% above Illinois avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 0.69% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.21% APY
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
1 Year Certificate
$2,500
3.00%
▲ 0.48% above Illinois avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
12 Month IRA Certificate of Deposit
$0
2.78%
▲ 0.26% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 0.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
12 Month Term Share Certificate
$0
2.78%
▲ 0.26% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 0.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Jumbo Share Certificates
$0
2.50%
▼ 0.02% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.02% below avgNationally 2.99%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 2.50% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Traditional & Roth IRA Share Certificates
$0
2.50%
▼ 0.02% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.02% below avgNationally 2.99%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 2.50% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Share Certificates
$0
2.35%
▼ 0.17% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.17% below avgNationally 2.99%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.35% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Traditional & Roth IRA Share Certificates
$0
2.35%
▼ 0.17% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.17% below avgNationally 2.99%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.35% APY
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
12 Month Certificate
$100,000
2.25%
▼ 0.27% below Illinois avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▼ 0.27% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
12 Month Certificate
$1,000
2.25%
▼ 0.27% below Illinois avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▼ 0.27% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 12 Month Share Certificate
$1,000
2.25%
▼ 0.27% below Illinois avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▼ 0.27% below avgNationally 2.99%
Details
Rate History
No change since Sep 29, 2026 · 2.25% APY · checked 2 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
12 Month Share/IRA Certificate
$1,000
2.25%
▼ 0.27% below Illinois avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.27% below avgNationally 2.99%
Details
Dividends compound monthly; fixed for initial term; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 2.25% APY
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
12 Month Certificate
$1,000
2.20%
▼ 0.32% below Illinois avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▼ 0.32% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
12 Month Jumbo Share Certificates
$0
2.00%
▼ 0.52% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▼ 0.52% below avgNationally 2.99%
Details
Dividend Paid: Monthly
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
12 Month Share Certificates
$0
2.00%
▼ 0.52% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▼ 0.52% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
Traditional/Roth IRAs - 12 Months
$0
2.00%
▼ 0.52% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▼ 0.52% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Share Certificates
$0
1.95%
▼ 0.57% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.57% below avgNationally 2.99%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 1.45% → 1.95% ▲ 0.50 pts · high 1.95% / low 1.45%
- Oct 1, 20261.95%▲ from 1.45%
- Sep 18, 20261.45%first recorded
Chicago 18 Month CD Rates
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%
13220 S Baltimore Ave, Chicago, IL 60633
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 2.18% above Illinois avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 2.18% above avgNationally 2.88%
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%
- Oct 3, 20264.62%▲ from 4.04%
- Sep 24, 20264.04%first recorded
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
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- 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
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
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%
- Oct 9, 20264.40%▲ from 4.00%
- Sep 22, 20264.00%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1701 W 87th St, Chicago, IL 60620
18-Month CD
$1,000
4.35%
▲ 1.91% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%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
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%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 Jumbo
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
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%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
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%
- Sep 25, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
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
▼
Rate3.59%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
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
▼
Rate3.59%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month IRA Certificate
$1,000
3.60%
▲ 1.16% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Share Certificate
$1,000
3.60%
▲ 1.16% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
18 Month IRA Certificate of Deposit
$0
3.56%
▲ 1.12% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.44%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
18 Month Term Share Certificate
$0
3.56%
▲ 1.12% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.44%▲ 1.12% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 4 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$100,000
3.55%
▲ 1.11% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.11% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$50,000
3.50%
▲ 1.06% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.06% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 18 month
$100,000
3.41%
▲ 0.97% above Illinois avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.97% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41%
▲ 0.97% above Illinois avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.97% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$1,000
3.35%
▲ 0.91% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.91% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 18 month
$500
3.31%
▲ 0.87% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.87% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 18 month
$500
3.31%
▲ 0.87% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.87% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 18 month
$0
3.30%
▲ 0.86% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 Month Certificate
$0
3.09%
▲ 0.65% above Illinois avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.65% above avgNationally 2.88%
Details
Balance: over $20,000
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 Month Certificate
$0
3.03%
▲ 0.59% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.59% above avgNationally 2.88%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Jumbo Share Certificates
$0
2.60%
▲ 0.16% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.16% above avgNationally 2.88%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 2.60% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Traditional & Roth IRA Share Certificates
$0
2.60%
▲ 0.16% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.16% above avgNationally 2.88%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 2.60% APY
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
18 Month Share/IRA Certificate
$1,000
2.50%
▲ 0.06% above Illinois avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.06% above avgNationally 2.88%
Details
Dividends compound monthly; fixed for initial term; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 2.50% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Share Certificates
$0
2.45%
▲ 0.01% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.01% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.45% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Traditional & Roth IRA Share Certificates
$0
2.45%
▲ 0.01% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.01% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.45% APY
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
18 Month CD
$0
2.25%
▼ 0.19% below Illinois avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▼ 0.19% below avgNationally 2.88%
Details
Balance: $0.01
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$100,000
2.25%
▼ 0.19% below Illinois avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.19% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$1,000
2.20%
▼ 0.24% below Illinois avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.24% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
18 Month Jumbo Share Certificates
$0
2.00%
▼ 0.44% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details
Dividend Paid: Quarterly
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
18 Month Share Certificates
$0
2.00%
▼ 0.44% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
Traditional/Roth IRAs - 18 Months
$0
2.00%
▼ 0.44% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Share Certificates
$0
2.00%
▼ 0.44% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
- Oct 1, 20262.00%▲ from 1.50%
- Sep 18, 20261.50%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Traditional & Roth IRA Share Certificates
$0
2.00%
▼ 0.44% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details
Balance: $2,500 - $24,999.99
Rate History
No change since Oct 13, 2026 · 2.00% APY
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
18 Month Certificate
$1,000
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 4 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
18 Months Roth Individual Retirement Account
$0
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Rate Type: Floating
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
18 Months Roth IRA Certificate
$0
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Rate Type: Floating
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Educational 18 Months IRA Certificate
$0
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Floating; Educational Individual Retirement Accounts
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
IRA 18 Months Certificate
$0
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Floating
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
IRA 18 Months Floating
$0
1.50%
▼ 0.94% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details
Rate Type: Floating
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
18 Month Certificate
$1,500
1.00%
▼ 1.44% below Illinois avg
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
18 Month Variable IRA
$100
1.00%
▼ 1.44% below Illinois avg
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details
Variable
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
18 Month Certificate
$1,000
1.00%
▼ 1.44% below Illinois avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
18 Month IRA Certificates
$0
0.75%
▼ 1.69% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▼ 1.69% below avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
18 Month Standard CD
$0
0.75%
▼ 1.69% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▼ 1.69% below avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
18 Month Certificate
$0
0.55%
▼ 1.89% below Illinois avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▼ 1.89% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.55% APY · checked 2 times
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
18 Month Certificate of Deposit
$2,000
0.25%
▼ 2.19% below Illinois avg
▼
Rate0.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 2.19% below avgNationally 2.88%
Details
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
18 Month Certificate of Deposit
$0
0.03%
▼ 2.41% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 2.41% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
Chicago 24 Month CD Rates
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
▼
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%
- 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
▼
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%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%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 Jumbo
$0
4.30%
▲ 1.85% above Illinois avg
▼
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%
- 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
▼
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%
- 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
▼
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%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 22, 20263.90%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13323 S Baltimore Ave, Chicago, IL 60633
24-month CD/IRA Promotional Rate
$0
4.25%
▲ 1.80% above Illinois avg
▼
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
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
▼
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%
- Sep 25, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%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
▼
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%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
24 Month Certificate
$5,000
3.75%
▲ 1.30% above Illinois avg
▼
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Jumbo IRA Certificate
$75,000
3.70%
▲ 1.25% above Illinois avg
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.88%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Jumbo Share Certificate
$75,000
3.70%
▲ 1.25% above Illinois avg
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.88%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month IRA Certificate
$1,000
3.60%
▲ 1.15% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.88%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Share Certificate
$1,000
3.60%
▲ 1.15% above Illinois avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.88%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$100,000
3.55%
▲ 1.10% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
24 Month Certificate
$10
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.45%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.88%
Details
Daily compounding $10 minimum additions allowed
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 2 Years
$0
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.88%
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 · 3.50% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 24 months
$0
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.88%
Details
Rates effective as of 10/12/2026; NCUA-insured
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 4 times
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 - 24 Months
$0
3.50%
▲ 1.05% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.88%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$50,000
3.50%
▲ 1.05% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 24 month
$100,000
3.41%
▲ 0.96% above Illinois avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.96% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41%
▲ 0.96% above Illinois avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.96% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$1,000
3.35%
▲ 0.90% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.90% above avgNationally 2.88%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 24 month
$500
3.31%
▲ 0.86% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.86% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 24 month
$500
3.31%
▲ 0.86% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.86% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
2 Year Special Certificate - Optional Renewal - 2nd Year
$2,500
3.12%
▲ 0.67% above Illinois avg
▼
Rate3.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.67% above avgNationally 2.88%
Details
Balance: $2,500.00 - $2,500.00
Rate History
No change since Oct 7, 2026 · 3.13% APY · checked 2 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 Month Certificate
$0
3.09%
▲ 0.64% above Illinois avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.64% above avgNationally 2.88%
Details
Balance: over $20,000
Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 4 times
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 24 month
$0
3.05%
▲ 0.60% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.60% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
1 1/2 Year Certificate
$500
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 7 times
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
2 1/2 Year Certificate
$500
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 7 times
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
3 1/2 Year Certificate
$500
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 7 times
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
IRA Certificate - 2 Year Term Contributing
$500
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 7 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 Month Certificate
$0
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.88%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 21, 2026 · 3.03% APY · checked 4 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
24 Month Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 24 Month Share Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 2 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Jumbo Share Certificates
$0
3.00%
▲ 0.55% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 3.00% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Traditional & Roth IRA Share Certificates
$0
3.00%
▲ 0.55% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
24 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
24 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
24 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
24 Month Traditional IRA Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 24 Months
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
24 Month IRA Certificate of Deposit
$0
2.89%
▲ 0.44% above Illinois avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
24 Month Term Share Certificate
$0
2.89%
▲ 0.44% above Illinois avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.89% APY · checked 4 times
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
24 Month Share/IRA Certificate
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.88%
Details
Dividends compound monthly; fixed for initial term; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 2.75% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Share Certificates
$0
2.50%
▲ 0.05% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.05% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.50% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Traditional & Roth IRA Share Certificates
$0
2.50%
▲ 0.05% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.05% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.50% APY
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
24 Month Certificate
$100,000
2.25%
▼ 0.20% below Illinois avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
24 Month Certificate
$1,000
2.20%
▼ 0.25% below Illinois avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.25% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Share Certificates
$0
2.05%
▼ 0.40% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▼ 0.40% below avgNationally 2.88%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 1.50% → 2.05% ▲ 0.55 pts · high 2.05% / low 1.50%
- Oct 1, 20262.05%▲ from 1.50%
- Sep 18, 20261.50%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Traditional & Roth IRA Share Certificates
$0
2.05%
▼ 0.40% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▼ 0.40% below avgNationally 2.88%
Details
Balance: $2,500 - $24,999.99
Rate History
No change since Oct 13, 2026 · 2.05% APY
Chicago 36 Month CD Rates
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
▼
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
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
▼
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%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
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
▼
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%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
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
▼
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%
- 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
▼
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%
- 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
▼
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%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 22, 20263.80%first recorded
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$100,000
3.55%
▲ 1.18% above Illinois avg
▼
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$50,000
3.50%
▲ 1.13% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.13% above avgNationally 2.81%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.50% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$1,000
3.35%
▲ 0.98% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.98% above avgNationally 2.81%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.35% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 36 month
$100,000
3.31%
▲ 0.94% above Illinois avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.94% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31%
▲ 0.94% above Illinois avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.94% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
3 Year Special Certificate - Optional Renewal - 3rd Year
$2,500
3.25%
▲ 0.88% above Illinois avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 0.88% above avgNationally 2.81%
Details
Balance: $2,500.00 - $2,500.00
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 3 Years
$0
3.25%
▲ 0.88% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.88% above avgNationally 2.81%
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 · 3.25% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 36 Months
$0
3.25%
▲ 0.88% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.88% above avgNationally 2.81%
Details
Rates effective as of 10/12/2026; NCUA-insured
Rate History
No change since Oct 12, 2026 · 3.25% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Jumbo Share Certificates
$0
3.25%
▲ 0.88% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.88% above avgNationally 2.81%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 3.25% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Traditional & Roth IRA Share Certificates
$0
3.25%
▲ 0.88% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.88% above avgNationally 2.81%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 3.25% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 36 month
$500
3.21%
▲ 0.84% above Illinois avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.84% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 12, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 36 month
$500
3.21%
▲ 0.84% above Illinois avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.84% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.21% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month CD
$500
3.20%
▲ 0.83% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 0.83% above avgNationally 2.81%
Details
Earn 3.20% APY on balances of $500 or more.
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
36 Month Certificate
$0
3.09%
▲ 0.72% above Illinois avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.72% above avgNationally 2.81%
Details
Balance: over $20,000
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
3 Year Certificate
$0
3.03%
▲ 0.66% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.66% above avgNationally 2.81%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
36 Month Certificate
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 36 Month Share Certificate
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
36 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
36 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
36 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
36 Month Traditional IRA Certificate
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 36 Months
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
36 Month IRA Certificate of Deposit
$0
2.89%
▲ 0.52% above Illinois avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
36 Month Term Share Certificate
$0
2.89%
▲ 0.52% above Illinois avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.89% APY · checked 4 times
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 36 month
$0
2.79%
▲ 0.42% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.42% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 4 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Share Certificates
$0
2.75%
▲ 0.38% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.38% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.75% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Traditional & Roth IRA Share Certificates
$0
2.75%
▲ 0.38% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.38% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 2.75% APY
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Share Certificates
$0
2.50%
▲ 0.13% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.13% above avgNationally 2.81%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25%
- Oct 1, 20262.50%▲ from 2.25%
- Sep 18, 20262.25%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Traditional & Roth IRA Share Certificates
$0
2.50%
▲ 0.13% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.13% above avgNationally 2.81%
Details
Balance: $2,500 - $24,999.99
Rate History
No change since Oct 13, 2026 · 2.50% APY
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
36 Month Certificate
$100,000
2.25%
▼ 0.12% below Illinois avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
36 Month Certificate
$1,000
2.20%
▼ 0.17% below Illinois avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▼ 0.17% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
36 Month Certificate
$1,500
2.00%
▼ 0.37% below Illinois avg
▼
Rate1.99%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
36 Month Certificate
$1,000
2.00%
▼ 0.37% below Illinois avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 4 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
36 Month Jumbo Share Certificates
$0
2.00%
▼ 0.37% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Dividend Paid: Quarterly
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
36 Month Share Certificates
$0
2.00%
▼ 0.37% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
36 Month Certificate of Deposit
$2,000
1.50%
▼ 0.87% below Illinois avg
▼
Rate1.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.87% below avgNationally 2.81%
Details
Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 5 times
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
36 Month CD
$0
1.01%
▼ 1.36% below Illinois avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▼ 1.36% below avgNationally 2.81%
Details
Balance: $0.01
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
36 Month Certificate
$1,000
1.00%
▼ 1.37% below Illinois avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▼ 1.37% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6945 N Clark St, Chicago, IL 60626
3 Year Certificate
$0
0.75%
▼ 1.62% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 1.62% below avgNationally 2.81%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
36 Month Certificate
$0
0.75%
▼ 1.62% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▼ 1.62% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
Chicago 48 Month CD Rates
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
▼
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%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%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
▼
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%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%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
▼
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
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
▼
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
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
▼
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
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
▼
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
4 Year Share Certificate
$100,000
3.60%
▲ 1.15% above Illinois avg
▼
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
4 Year Share Certificate
$50,000
3.55%
▲ 1.10% above Illinois avg
▼
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
4 Year Share Certificate
$1,000
3.40%
▲ 0.95% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.95% above avgNationally 2.80%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.40% APY
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
4 Year Special Certificate - Optional Renewal - 4th Year
$2,500
3.38%
▲ 0.93% above Illinois avg
▼
Rate3.38%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.93% above avgNationally 2.80%
Details
Balance: $2,500.00 - $2,500.00
Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 48 month
$100,000
3.21%
▲ 0.76% above Illinois avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.76% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21%
▲ 0.76% above Illinois avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.76% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 48 month
$500
3.11%
▲ 0.66% above Illinois avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.66% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 48 month
$500
3.11%
▲ 0.66% above Illinois avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.66% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month Certificate
$0
3.09%
▲ 0.64% above Illinois avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.64% above avgNationally 2.80%
Details
Balance: over $20,000
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month Certificate of Deposit
$500
3.05%
▲ 0.60% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 0.60% above avgNationally 2.80%
Details
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 48-month term - regardless of changing interest rates. After 48 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
48 Month IRA Certificate of Deposit
$0
3.04%
▲ 0.59% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
48 Month Term Share Certificate
$0
3.04%
▲ 0.59% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
4 Year Certificate
$0
3.03%
▲ 0.58% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.80%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
48 Month Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 48 Month Share Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.80%
Details
Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 2 times
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 48 month
$0
2.79%
▲ 0.34% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.34% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 4 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
48 Month Business Share Certificates Plus (CD)
$0
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
48 Month Share Certificate (CD)
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
48 Month Share Certificate Plus (CD)
$0
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
48 Month Traditional IRA Certificate
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 48 Months
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
48 Month Certificate
$5,000
2.00%
▼ 0.45% below Illinois avg
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.45% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
48 Month Certificate
$1,000
2.00%
▼ 0.45% below Illinois avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.45% below avgNationally 2.80%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 4 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
College Savers 3 or 4 Year Certificate
$50
2.00%
▼ 0.45% below Illinois avg
▼
Rate1.98%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▼ 0.45% below avgNationally 2.80%
Details
Quarterly compounding, $10.00 min. additions
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
48 Month Certificate of Deposit
$2,000
1.75%
▼ 0.70% below Illinois avg
▼
Rate1.71%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.70% below avgNationally 2.80%
Details
Rate History
No change since Sep 8, 2026 · 1.75% APY · checked 5 times
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
48 Month Certificate
$0
1.01%
▼ 1.44% below Illinois avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▼ 1.44% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6945 N Clark St, Chicago, IL 60626
4 Year Certificate
$0
1.00%
▼ 1.45% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.45% below avgNationally 2.80%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
48 Month Certificate
$1,000
1.00%
▼ 1.45% below Illinois avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 1.45% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
48 Month CD
$0
0.95%
▼ 1.50% below Illinois avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▼ 1.50% below avgNationally 2.80%
Details
Balance: $0.01
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
48 Month IRA Certificates
$0
0.75%
▼ 1.70% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▼ 1.70% below avgNationally 2.80%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
48 Month Standard CD
$0
0.75%
▼ 1.70% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▼ 1.70% below avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
48 Month Certificate of Deposit
$0
0.03%
▼ 2.42% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.42% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
48 Month Certificate of Deposit
$0
0.02%
▼ 2.43% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.43% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
48 Month Certificate of Deposit
$0
0.01%
▼ 2.44% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.44% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
48 Month Certificate
$1,000
4.22%
▲ 1.77% above Illinois avg
▼
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%
- Oct 11, 20264.22%▲ from 3.70%
- Oct 7, 20263.70%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
48 Month Certificate
$2,500
4.15%
▲ 1.70% above Illinois avg
▼
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
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
Roth IRA - 48 Months
$1,000
4.15%
▲ 1.70% above Illinois avg
▼
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
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year CD
$0
4.15%
▲ 1.70% above Illinois avg
▼
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
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.59% above Illinois avg
▼
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%
- 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%
48 Mo. CD
$0
4.00%
▲ 1.55% above Illinois avg
▼
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%
- 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%
48 Month Certificates
$0
4.00%
▲ 1.55% above Illinois avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificates
$0
4.00%
▲ 1.55% above Illinois avg
▼
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
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificates Roth, Traditional, Education
$0
4.00%
▲ 1.55% above Illinois avg
▼
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
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$0
3.98%
▲ 1.53% above Illinois avg
▼
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%
- Oct 7, 20263.98%▲ from 3.77%
- Sep 19, 20263.77%first recorded
Chicago 60 Month CD Rates
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
5-Year Certificate or IRA-HSA Jumbo
$0
4.40%
▲ 1.90% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.91%
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%
- Sep 25, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%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%
▲ 1.75% above Illinois avg
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.91%
Details
Balance: $2,500.00 - $2,500.00
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
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%
▲ 1.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.91%
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%
- Sep 25, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%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%
▲ 1.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 3.75% APY
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%
▲ 1.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details
Balance: $50,000+
Rate History
No change since Oct 13, 2026 · 3.75% APY
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%
▲ 1.20% above Illinois avg
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.91%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
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%
▲ 1.20% above Illinois avg
▼
Rate3.64%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.91%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 4 times
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%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
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%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$100,000
3.65%
▲ 1.15% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.65% APY
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$50,000
3.60%
▲ 1.10% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
5 Year Certificate
$500
3.55%
▲ 1.05% above Illinois avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.05% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
- Sep 24, 20263.55%▲ from 3.03%
- Sep 19, 20263.03%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 - 60 Months
$0
3.50%
▲ 1.00% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.00% above avgNationally 2.91%
Details
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
- Oct 5, 20263.50%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$1,000
3.45%
▲ 0.95% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.95% above avgNationally 2.91%
Details
Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.45% APY
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
60-Month Certificate
$0
3.29%
▲ 0.79% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.79% above avgNationally 2.91%
Details
Special Certificate Account; up to APY; no monthly fee; federally insured by NCUA up to $250,000
Rate History
No change since Oct 5, 2026 · 3.29% APY · checked 3 times
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
Certificates - 60 months
$500
3.29%
▲ 0.79% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.79% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
- Oct 5, 20263.29%▲ from 3.04%
- Sep 14, 20263.04%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Share Certificates
$0
3.25%
▲ 0.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.75% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.25% APY
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
3.25%
▲ 0.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.75% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999.99
Rate History
No change since Oct 13, 2026 · 3.25% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Share Certificate - 60 month
$100,000
3.21%
▲ 0.71% above Illinois avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.71% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21%
▲ 0.71% above Illinois avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.71% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Share Certificate - 60 month
$500
3.11%
▲ 0.61% above Illinois avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.61% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA Certificate - 60 month
$500
3.11%
▲ 0.61% above Illinois avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.61% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
60 Month IRA Certificate of Deposit
$0
3.04%
▲ 0.54% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 0.54% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
60 Month Term Share Certificate
$0
3.04%
▲ 0.54% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 0.54% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
60 Month Certificate
$1,000
3.00%
▲ 0.50% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
Business 60 Month Share Certificate
$1,000
3.00%
▲ 0.50% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Sep 29, 2026 · 3.00% APY · checked 2 times
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 60 month
$0
2.79%
▲ 0.29% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.29% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 4 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Share Certificates
$0
2.75%
▲ 0.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Balance: $2,500 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 1, 20262.75%▲ from 2.50%
- Sep 18, 20262.50%first recorded
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
2.75%
▲ 0.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Balance: $2,500 - $24,999.99
Rate History
No change since Oct 13, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
60 Month Business Share Certificates Plus (CD)
$0
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
60 Month Share Certificate (CD)
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
60 Month Share Certificate Plus (CD)
$0
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
60 Month Traditional IRA Certificate
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Business Share Certificates (CD) - 60 Months
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
60 Month Certificate
$100,000
2.25%
▼ 0.25% below Illinois avg
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 0.25% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
60 Month Certificate
$1,000
2.20%
▼ 0.30% below Illinois avg
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 0.30% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
60 Month Certificate
$5,000
2.00%
▼ 0.50% below Illinois avg
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.50% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
60 Month Certificate
$1,000
2.00%
▼ 0.50% below Illinois avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.50% below avgNationally 2.91%
Details
Credit Frequency: Quarterly
Rate History
No change since Sep 8, 2026 · 2.00% APY · checked 4 times
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
5 Years CD
$0
1.60%
▼ 0.90% below Illinois avg
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 0.90% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 1.60% APY · checked 2 times
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
60 Month Certificate of Deposit
$2,000
1.50%
▼ 1.00% below Illinois avg
▼
Rate1.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 1.00% below avgNationally 2.91%
Details
Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 5 times
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
60 Month Certificate
$0
1.26%
▼ 1.24% below Illinois avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▼ 1.24% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6945 N Clark St, Chicago, IL 60626
5 Year Certificate
$0
1.25%
▼ 1.25% below Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 1.25% below avgNationally 2.91%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
60 Month Certificate
$1,000
1.20%
▼ 1.30% below Illinois avg
▼
Rate1.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 1.30% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
60 Month IRA Certificates
$0
0.75%
▼ 1.75% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▼ 1.75% below avgNationally 2.91%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
60 Month Standard CD
$0
0.75%
▼ 1.75% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▼ 1.75% below avgNationally 2.91%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2212 W Cermak Rd, Chicago, IL 60608
5 Year Certificate
$500
0.65%
▼ 1.85% below Illinois avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 1.85% below avgNationally 2.91%
Details
Interest Paid: Quarterly
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
4786 N Milwaukee Ave, Chicago, IL 60630
5 Year Certificate
$500
0.50%
▼ 2.00% below Illinois avg
▼
Rate0.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▼ 2.00% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Old Second National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
6400 W North Ave, Chicago, IL 60707
60 Month Certificates of Deposit
$0
0.25%
▼ 2.25% below Illinois avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.25% below avgNationally 2.91%
Details
Balance: $1,000
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
60 Month Certificate of Deposit
$0
0.03%
▼ 2.47% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.47% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
60 Month Certificate of Deposit
$0
0.02%
▼ 2.48% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.48% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Chicago, IL CD Rate Trends
Compare local Chicago, 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
2.521%
▲ 0.051 vs 7 days ago
Illinois 12-month CD rates rose 0.051 points over the past 7 days to 2.521% APY.
6-Month CD IL Avg
2.307%
▲ 0.030 vs 7 days ago
Illinois 6-month CD rates rose 0.030 points over the past 7 days to 2.307% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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IL CD Rate Forecast, Next 12 Months
Where are Illinois CD rates headed through 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
2.521%
6-Month Forecast
2.521%
Range: 2.32%, 2.67%
12-Month Forecast
2.771%
Range: 2.57%, 2.92%
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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 | 1.569% | $78.46 | $156.92 | $392.30 | $784.60 |
| 6-Month CD | 2.307% | $115.33 | $230.65 | $576.63 | $1,153.25 |
| 12-Month CD | 2.521% | $126.07 | $252.13 | $630.32 | $1,260.65 |
| 18-Month CD | 2.444% | $122.22 | $244.44 | $611.10 | $1,222.20 |
| 24-Month CD | 2.453% | $122.63 | $245.26 | $613.15 | $1,226.30 |
| 36-Month CD | 2.374% | $118.69 | $237.38 | $593.45 | $1,186.90 |
| 48-Month CD | 2.451% | $122.56 | $245.12 | $612.80 | $1,225.60 |
| 60-Month CD | 2.500% | $124.98 | $249.96 | $624.90 | $1,249.80 |
| 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 Chicago, 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 | 1.569% | $78.46 |
| 2 | 6-Month CD | $5,000 | 2.307% | $115.33 |
| 3 | 12-Month CD | $5,000 | 2.521% | $126.07 |
| 4 | 24-Month CD | $5,000 | 2.453% | $122.63 |
| 5 | 36-Month CD | $5,000 | 2.374% | $118.69 |
| Total ($25,000 invested) | $25,000 | 2.245% blended | $561.18/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.
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2,077
CD Rates
Tracked in Chicago, Illinois
Tracked in Chicago, Illinois
79 Banks
57 Credit Unions
About Our Chicago, Illinois CD Rate Database
MonitorBankRates tracks 2,077 CD rates from 79 banks and 57 credit unions with locations in Chicago, 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 Chicago, Illinois.
How to Find the Best CD Rates in Chicago, Illinois
What to compare when shopping for a CD in Chicago, Illinois
To find the best APYs in Chicago, Illinois, start with credit unions and online-only banks: Chicago, Illinois has 57 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 Chicago, 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 Chicago, Illinois: 136 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Chicago, 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 Chicago, Illinois money market rates
Chicago, Illinois Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.8%
National avg: 17.3%
Median Individual Earnings
$49,320
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
8.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At IL 12-mo avg 2.521% APY
13.8% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.0% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s IL 12-month CD average of 2.521%, saving 10% of the local median salary ($4,932/year) and putting it in a CD would earn an additional $124 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois as everywhere in the U.S.
Choosing a CD Term in Chicago, 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 Chicago, 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, Michigan State University Federal Credit Union is offering its 5-Year Certificate or IRA-HSA Jumbo at 4.40% 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Chicago, 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 Chicago, Illinois
Are CD rates in Chicago, Illinois FDIC insured?
Yes, most established banks in Chicago, 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois?
Here are recent top rates found for this area:
- National Police Federal Credit Union: 5.02% APY (36-Month IRA)
- First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate 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)
- Planites Credit Union: 4.40% APY (Investment Certificates - 1 Year)
- CIBC: 4.35% APY (12-month CD)
- Chicago Firefighters Credit Union: 4.33% APY (12 mos. Share Certificate)
- State Bank of Texas: 4.25% APY (High-Rate Jumbo 12-Month CD)
- First Merchants Bank: 4.25% APY (24-month CD/IRA Promotional Rate)
- Community Savings Bank Chicago, IL: 4.25% APY (5 Year Special Certificate - Optional Renewal - 5th Year)
Rates reflect recent verified offers available in Chicago, Illinois. Last Updated: October 13, 2026
Chicago, 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 Chicago, 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.
CD Calculators for Chicago, Illinois
Chicago, 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.
Chicago, Illinois CD LadderIL CD rates currently range from 1.569% (3-month) to 2.374% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Chicago, 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 SavingsIllinois’s average 12-month CD is 2.521% 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 Chicago, 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 Chicago, 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 Chicago, 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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