CD Rates Decatur, Illinois (IL) for April 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Decatur, Illinois CD rates include Staley Credit UnionStaley Credit Union3330 N Woodford St, Decatur, IL 62526A+5.0 ★Texas Ratio: 0.82% offering 6 Month Certificates at 3.50% APY, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union3130 E Mound Rd, Decatur, IL 62526A5.0 ★Texas Ratio: 6.84% offering 3-month - Share Certificates (CDs) at 3.43% APY, SSB Scott State BankSSB Scott State Bank3950 Fountain Ln, Decatur, IL 62522A+5.0 ★Texas Ratio: 0.97% offering 12 Month Certificates of Deposit at 3.03% APY, First Mid Bank & TrustFirst Mid Bank & Trust455 N Main St, Decatur, IL 62523A+5.0 ★Texas Ratio: 2.74% offering 48 Month CD Special at 2.75% APY, and Heartland Bank and Trust CompanyHeartland Bank and Trust Company303 N Main St, Decatur, IL 62523A+5.0 ★Texas Ratio: 1.53% offering 48 Month Certificates of Deposit at 2.00% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Decatur has 36 local institutions in our database, with CD rates as high as 3.50% APY from Staley Credit Union at 3330 N Woodford St, Decatur, IL 62526. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026
Compare Best CD Rates in Decatur, Illinois & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates (CDs)
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
3 Month Certificates of Deposit
$2,500
0.03%
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3-Month Certificates of Deposit (CDs)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80%
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
Share Savings Certificate 3-Month
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
3 Month Certificate of Deposit (CDs)
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500.00 Minimum Balance; Interest Paid at maturity; 3 Month Interest Penalty
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
3 Month Certificate of Deposit
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3-month Quarterly CD
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
3 Month Certificate of Deposit
$1,000
1.46%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3 month CD
$1,000
1.41%
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 3 month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1,2
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Penalty may be imposed for early withdrawal. Fees may reduce earnings on account. Minimum deposit to open and earn interest: $1,000.
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 minimum balance required for all Certificate of Deposits
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Standard Certificates 3 Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FNB in Taylorville
Institution Rating:
B+4.8 ★Texas Ratio: 17.11%
Certificates of Deposit 3 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 3-Month
$1,000
0.24%
▼
Rate0.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 Month Certificates of Deposit
$2,500
0.20%
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
3 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Roth IRAs 90 Day CD
$50,000
0.05%
▼
Rate0.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
6 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
6-month - Share Certificates (CDs)
$0
3.32%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
6 Month Certificates of Deposit
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
6 Month Share Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
6 Month Certificates of Deposit
$2,500
0.07%
▼
Rate0.07%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
6-Month CD Special
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 month CD special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
$1000 minimum deposit required; Penalty for early withdrawal; No compounding, interest paid at maturity
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
6 Month Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-Month CD Special
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
6 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
6 Month Bonus Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 month Certificate
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 month CD
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly Compound
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Share Certificates of Deposit 6-month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
6 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
Share Savings Certificate 6-month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 6 Month
$0
3.00%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 6 Month
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 6 Month
$100,000
2.63%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
6 Month Certificate of Deposit (CDs)
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 3 Month Interest Penalty
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 month Certificates of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 6 month
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD & IRA
$5,000
2.35%
▼
Rate2.33%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month CD
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month Standard Certificates of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
6 Month CD / IRA
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificates of Deposit 6 mo.
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month CD/IRA CD
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$100,000
1.85%
▼
Rate1.84%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
12 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
12-month - Share Certificates (CDs)
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
12 Month Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
12 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
12 Month Youth Velocity Share Certificate
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
12 Month Flex Index CD
$1,000
4.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
1 Year Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months (1 year) Certificate
$20,000
4.00%
▼
Rate3.94%
Min Deposit$20,000
Min Balance—
UpdatedApr 5, 2026
Details
over $20,000
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.90%
▼
Rate3.83%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Limited time offer. Only available in our branches.
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Kid/Teen Club Add-On Certificate of Deposit 12 month*
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 12 month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
12 Month Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Month Share Certificates, Traditional, Roth, Educational IRA's
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1-Year Add-On Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
12 Month CD
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 12 Month
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
12 Month Fixed IRA
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly Compound
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Jumbo Certificates of Deposit 12 mo.
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificates of Deposit & IRAs
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 12 Month
$0
3.25%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
12 mo. Certificate of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 to $4,999.99
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
1 Year Certificate of Deposit
$5,000
3.13%
▼
Rate3.09%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1 Year IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 12 Month
$100,000
2.84%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 year Certificates of Deposit
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
12 Month CD
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD & IRA
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1 Year Certificates of Deposit
$0
2.27%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Share/IRA Certificates 12-month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
12 Month CD / IRA
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
18-month - Share Certificates (CDs)
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
18 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
18 Month Certificates of Deposit
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
18 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
18 Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD Term
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 18 month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Save more when you move at least $500 from another financial institution.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
18 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 Month Fixed IRA
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
18 mo. Certificate of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
$1,000 to $4,999.99
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
18 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 18 Month
$100,000
3.04%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18 Month Certificate of Deposit
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500 Minimum Balance to obtain APY*
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month CD
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable Rate IRA
$250
2.46%
▼
Rate2.44%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
18 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
18 Month Certificate of Deposit
$500
2.15%
▼
Rate2.13%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 18-Month
$1,000
2.13%
▼
Rate2.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 month IRA (Fixed)
$100
2.12%
▼
Rate2.10%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
Regular Certificate IRA 18 month
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 Month CD
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
18 Month Certificate of Deposit
$1,000
1.91%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
24-month - Share Certificates (CDs)
$0
3.08%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
24 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
455 N Main St, Decatur, IL 62523
24 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
24 Month Certificates of Deposit
$0
1.20%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
24 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
24 Month Share Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Bonus Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
IRA 24 month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Share Certificates of Deposit 24-month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
24 Month CD/IRA
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 Month CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
24 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Share/IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 24 month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 24 Month
$50,000
2.94%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly Compound
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
2 1/2 Year Certificate of Deposit
$20,000
2.88%
▼
Rate2.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD & IRA
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
24 Month CD
$1,000
2.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
24 Month CD / IRA
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24 Month Certificate of Deposit
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
24 Month Certificate of Deposit
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month CD (2 Year)
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1,2
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
24 month IRA (Fixed)
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 24-Month
$1,000
2.23%
▼
Rate2.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
36-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
455 N Main St, Decatur, IL 62523
36 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
36 Month Certificates of Deposit
$1,500
2.00%
▼
Rate1.99%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
36 Month Certificates of Deposit
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
36 Month Share Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
IRA 36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Collinsville Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH CERTIFICATE
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
36 month Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Account
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 year Certificates of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 Month Bump Certificate of Deposit
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500 Minimum Balance to obtain APY*
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 36 Month
$50,000
3.14%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.10%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 36 month
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 3 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly Compound
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD & IRA
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36 Month Special Certificate of Deposits & IRA
$3,000
2.60%
▼
Rate2.57%
Min Deposit$3,000
Min Balance—
UpdatedApr 5, 2026
Details
$3,000.00-$149,999.99
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
36 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
36 month IRA (Fixed)
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 Month CD
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD (3 Year)
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1,3
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
36 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month Certificate of Deposit
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
2.20%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
48-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
455 N Main St, Decatur, IL 62523
48 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
48 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
202 E Ash Ave, Decatur, IL 62526
48 Month Share Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
4 year Certificates of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 48 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 48 month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
48 Month Certificate
$20,000
3.07%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 5, 2026
Details
over $20,000
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
Regular Certificate IRA 48 month bump rate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
4 Year Certificate of Deposit
$20,000
2.98%
▼
Rate2.95%
Min Deposit$20,000
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
48 month IRA (Fixed)
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
48 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD & IRA
$5,000
2.55%
▼
Rate2.53%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
48 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
48 Month CD (4 Year)
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
1,3
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 48-Month
$1,000
2.33%
▼
Rate2.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
48 Month Certificate of Deposit
$1,000
2.22%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month CD
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificates
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
4 Year Certificates of Deposit
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
College Savers 3 or 4 Year Certificate
$50
1.85%
▼
Rate1.79%
Min Deposit$50
Min Balance—
UpdatedApr 5, 2026
Details
Quarterly compounding, $10.00 min. additions
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
60-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
60 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
303 N Main St, Decatur, IL 62523
60 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
SSB Scott State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
3950 Fountain Ln, Decatur, IL 62522
60 Month Certificates of Deposit
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 5 Year Variable
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
60 month CD and over
$100,000
3.53%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
60 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500 Minimum Balance to obtain APY*
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Minimum balance of $10,000 is required.
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
60 Month Certificate of Deposit
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
60 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
IRA Certificates 60 Month
$0
3.00%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Certificate of Deposit
$500
2.85%
▼
Rate2.82%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
60 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
60 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
60 month CD
$1,000
2.47%
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 60-Month
$1,000
2.39%
▼
Rate2.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Month Roth IRA
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
IRA Certificates of Deposit 60 Month
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
60 Month Certificate of Deposit
$1,000
2.27%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Share Certificates
$1,000
2.17%
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
60 Month CD fixed
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 Month Certificate of Deposit
$1,000
2.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 MONTH CERTIFICATE
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
60 Month CD
$1,000
1.99%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
60 Month Individual Retirement Accounts (IRAs)
$0
1.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 60 Month
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
60 month Certificate
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
60 Month CD/IRA
$1,000
1.81%
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Decatur, IL CD Rate Trends
Compare local Decatur, 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
3.017%
▲ 0.802 vs 7 days ago
Illinois 12-month CD rates rose 0.802 points over the past 7 days to 3.017% APY.
6-Month CD — IL Avg
3.277%
▲ 1.233 vs 7 days ago
Illinois 6-month CD rates rose 1.233 points over the past 7 days to 3.277% APY.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Decatur, Illinois
Are CD rates in Decatur, Illinois FDIC insured?
Yes, most established banks in Decatur, 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 Decatur, 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 Decatur, 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 Decatur, 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 Decatur, Illinois?
Here are recent top rates found for this area:
- Staley Credit Union: 3.50% APY (6 Month Certificates)
- Land Of Lincoln Credit Union: 3.43% APY (3-month - Share Certificates (CDs))
- SSB Scott State Bank: 3.03% APY (12 Month Certificates of Deposit)
- First Mid Bank & Trust: 2.75% APY (48 Month CD Special)
- Heartland Bank and Trust Company: 2.00% APY (48 Month Certificates of Deposit)
- 1st MidAmerica Credit Union: 0.95% APY (12 Month Youth Velocity Share Certificate)
- Merchants Bank of Indiana: 4.86% APY (12 Month Flex Index CD)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
Rates reflect recent verified offers available in Decatur, Illinois. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Decatur, Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Decatur, 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: April 5, 2026
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