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Lena, Illinois Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Lena, Illinois CD rates include Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 3.62%Real return: +1.54%APY minus CPI (February 2026) offering 24-Month IRA at 4.34% APY, Chicago Firefighters Credit UnionChicago Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.13%Real return: +1.53%APY minus CPI (February 2026) offering 12 mos. Share Certificate at 4.33% APY, Vibrant Credit UnionVibrant Credit UnionA5.0 ★Texas Ratio: 13.71%Real return: +1.45%APY minus CPI (February 2026) offering 6-Month CD Special at 4.25% APY, First National Bank of PanaFirst National Bank of PanaA+5.0 ★Texas Ratio: 0.49%Real return: +1.45%APY minus CPI (February 2026) offering 6 Month CD SPECIAL! at 4.25% APY, and Great Rivers BankGreat Rivers BankA+5.0 ★Texas Ratio: 0.77%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificates of Deposit (CDs) at 4.25% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Lena is a smaller community with no bank or credit union branches currently in our database. 745 institutions serving the Illinois area are available to Lena residents, with CD rates as high as 4.34% APY from Chicago Patrolmens Federal Credit Union. 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: September 22, 2026
Compare Best CD Rates in Lena, Illinois & the Surrounding Area
Lena 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
3 Month CD
$1,000
3.82%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.76% above avg
Details
Penalty may be imposed for early withdrawal
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
90 Day Investment Certificates
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Balance: $500 Minimum
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
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.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Share Certificates
$0
3.72%
▲ 1.66% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 1.66% above avg
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Certificate of Deposit
$0
3.70%
▲ 1.64% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Month Certificate
$1,000
3.53%
▲ 1.47% above national avg
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.47% above avg
Details
Early Withdrawal Penalty: 1 Month Interest
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
3 Month Certificates of Deposit (CDs)
$0
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.45% above avg
Details
Penalty: 91 days
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month Certificate
$1,000
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.45% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate
$0
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.39% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 month CD
$500
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.39% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month Certificate
$1,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.38% above avg
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
90 Day / 3 Month
$1,000
3.44%
▲ 1.38% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.38% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3-month - Share Certificates or Greater
$0
3.43%
▲ 1.37% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.37% above avg
Details
$50,000.00; Share Certificates
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
3 Month CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.34% above avg
Details
Monthly: 3.45%; Quarterly: 3.44%
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3 Month Certificate
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Business Certificates of Deposit
$0
3.34%
▲ 1.28% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.28% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Certificates of Deposit
$0
3.34%
▲ 1.28% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.28% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.09% above avg
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
3-month - Share Certificates to $49,999.99
$0
3.07%
▲ 1.01% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.01% above avg
Details
$1,000.00; Share Certificates
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 Months CD
$1,000
3.05%
▲ 0.99% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.99% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month Certificate of Deposit
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.98% above avg
Details
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
91 Day CD (3 Months)
$0
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.97% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3-Month CD
$2,000
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3 Month Certificate of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
90 Day Certificates of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3 Month Certificate
$1,000
2.98%
▲ 0.92% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.92% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Month CD
$0
2.94%
▲ 0.88% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.88% above avg
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80%
▲ 0.74% above national avg
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.74% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month IRA Certificate of Deposit
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.72% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 Month Term Share Certificate
$0
2.78%
▲ 0.72% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.72% above avg
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-month CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.69% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3 Month Jumbo Certificate Accounts
$0
2.65%
▲ 0.59% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.59% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3 Month Jumbo HSA Certificate Accounts
$0
2.65%
▲ 0.59% above national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.59% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3 Month Certificate
$0
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.54% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
3 Month HSA Certificate Account
$0
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.54% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$0
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.46% above avg
Details
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month Certificate of Deposit
$0
2.10%
▲ 0.04% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.04% above avg
Details
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month Certificate of Deposit
$0
2.04%
▼ 0.02% below national avg
▼
Rate2.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.02% below avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
3 Month Certificate of Deposit (CDs)
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Interest Paid at maturity; 3 Month Interest Penalty
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Lena 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
6-Month CD Special
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month CD SPECIAL!
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Annual Percentage Yield of 4.25% for 6 months. 4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificates (CDs) - Promotional
$1,000
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
Special 6 Month CD
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.38% above avg
Details
Balance: $1,000.00 and over
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Certificates $500 to $20,000
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month CD
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.33% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
6 Month Certificates of Deposit (CD)
$2,500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Certificate Accounts
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
6 Month Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Early withdrawal penalty: 90 day dividend
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
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.
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
6 Month Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6 Month Share Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Certificates of Deposit
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$1,000
3.84%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.07% above avg
Details
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
6 Month CD
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Penalty may be imposed for early withdrawal
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $0.01
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6 Month Certificate
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Early Withdrawal Penalty: 3 Month Interest
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 mos. Share Certificate
$10,000
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.04% above avg
Details
Withdrawals made prior to maturity are subject to a loss of 90 days dividend
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 month CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6 Month Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.99% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month Traditional Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.99% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Certificate
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 Month CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6 Month IRA
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
6 Months Certificate of Deposit/IRA
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6 Month Certificate of Deposit
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
180 Day Investment Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500 Minimum
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Share Certificates 6 Months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
6 Month Certificate of Deposit
$1,000
3.71%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month CD "Specials"
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Diamond APY
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificates of Deposit (CDs)
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
Certificates - 6 Months
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 1 Month Interest
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
6 Month Certificate
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.93% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
FNB of Raymond
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Month Certificates of Deposit
$2,500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.89% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Platinum APY
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6 Month Certificate Special
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Business 6 Month Special
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $150,000.00 - $250,000.00
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6-Month CD
$2,000
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
Monthly: 3.66%; Quarterly: 3.65%; Semi Annual: 3.63%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Home State Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month CD
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.79% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
6 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6 Month Traditional Share Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
6 Month Certificates of Deposit (CDs)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Penalty: 91 days
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.01%
6 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Lena 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 mos. Share Certificate
$10,000
4.33%
▲ 1.38% above national avg
▼
Rate4.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.38% above avg
Details
Withdrawals made prior to maturity are subject to a loss of 120 days dividend
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
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.
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
High-Rate Jumbo 12-Month CD
$100,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
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. Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
Special 12 Month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Balance: $1,000.00 and over
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
12 Month Flex Index CD
$1,000
4.08%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0% Interest rate may change at any time based on changes in the index
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12-Month IRA
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.13% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
12 Month Certificates of Deposit (CD)
$2,500
4.05%
▲ 1.10% above national avg
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
UB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12-Month Certificate of Deposit
$0
4.03%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.08% above avg
Details
Earn 4.03% APY*
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
10-month special, with rollover into 12-month at time of maturity
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
1 Year Certificate of Deposit
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Deposit Amount: $20,000 +
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Certificates $500 to $20,000
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 Year CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
12-Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
APY = Annual Percentage Yield. Minimum opening deposit required. Penalty may apply for early withdrawal. Offer subject to change without notice. Contact the credit union for complete details.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1 Year Investment Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $500 Minimum
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month IRA Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounding and Crediting Frequency: Maturity
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
IRA certificates: Rates are subject to change at any time. Penalty will be imposed for early withdrawal. Disclosures available upon request. Contact GenFed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. Minimum balance to earn is $1,000 for IRA. APY = annual percentage yield.
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Standard Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month CD
$0
3.99%
▲ 1.04% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.04% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 Month Certificate
$0
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.02% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12 Month Certificates of Deposit (CDs)
$1,000
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Share Certificates
$0
3.92%
▲ 0.97% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.97% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12 Mo. (Quarterly Compound) Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Certificate Special
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Business 12 Month Special
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $150,000.00 - $250,000.00
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1 Year Certificates of Deposit
$1,000
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
12 Month Share Certificates
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
12 Month Share Certificates
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.92% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1 Year Share Certificate
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Early withdrawal penalty: 180 day dividend
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 months CD
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Share Certificates 12 Months
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12 Month Certificate of Deposit
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
12 Month Traditional Share Certificates
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.87% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
12 Months Certificate of Deposit/IRA
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12 Month Certificate of Deposit
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
First State Bank of Campbell Hill
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
12 Month Certificates of Deposits
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12 Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.85% above avg
Details
Monthly: 3.87%; Quarterly: 3.85%; Semi Annual: 3.84%
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 Month Jumbo Certificate of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 Month Jumbo Certificates of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
1 Year Certificate of Deposit
$1,000
3.78%
▲ 0.83% above national avg
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.83% above avg
Details
Deposit Amount: $5,000 - $20,000
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
12 Month Certificate
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.81% above avg
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 Month Kid/Teen Club Add-On Certificate of Deposit
$0
3.76%
▲ 0.81% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.81% above avg
Details
Lena 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.43% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.38% above avg
Details
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.
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificates of Deposit
$1,000
4.15%
▲ 1.33% above national avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.33% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate
$0
4.07%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.25% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18 Month Certificates of Deposit (CDs)
$1,000
4.06%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.24% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Investment Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Balance: $500 Minimum
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
Share Certificates 18 Months
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.08% above avg
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Month Traditional Share Certificates
$0
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.05% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
18 months CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.03% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
18 Month Certificate of Deposit
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
18 Month CD
$1,000
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
3.79%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
Variable Rate
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18-Month CD
$2,000
3.76%
▲ 0.94% above national avg
▼
Rate3.73%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.94% above avg
Details
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
18 Month Certificates of Deposit (CD)
$2,500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
18 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
18 Month Certificates of Deposit (CDs)
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Penalty: 365 days
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
18 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.88% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.88% above avg
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Month Traditional Share Certificates
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.84% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Business Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month CD Specials
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Fixed
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Variable
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
New Money
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
3.59%
▲ 0.77% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.77% above avg
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month IRA Certificate
$0
3.59%
▲ 0.77% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.77% above avg
Details
At Maturity
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month IRA Share Certificates
$0
3.56%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.74% above avg
Details
Balance: $100,000 - and over
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
18 Month IRA Certificate of Deposit
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.74% above avg
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
18 Month Term Share Certificate
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.74% above avg
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18 Month Certificate
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.74% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
First State Bank of Campbell Hill
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificates of Deposits
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
18 Month Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
$500.00
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month IRA Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Compounding and Crediting Frequency: Semi-annually
Eaton Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
18 month Certificate of Deposit
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
First National Bank of Ava
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month CD
$500
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.72% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
18 Month Certificate
$1,000
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.69% above avg
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Special Certificates of Deposit
$10,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.68% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
18 Month Minor Certificate-Minimum Deposit
$50,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
$500.00
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 Month Certificate of Deposit
$0
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.64% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
18 Months CD
$500
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
18 Month Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
Lena 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24-Month IRA
$0
4.34%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.50% above avg
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Certificates of Deposit (CDs)
$1,000
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.32% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.31% above avg
Details
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.
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Share Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.24% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 Month Certificate
$0
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.23% above avg
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2 Year CD
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
24 months CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate
$0
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.11% above avg
Details
Diamond APY
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
24 Month Traditional Share Certificates
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.08% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.06% above avg
Details
Platinum APY
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
24 Month Investment Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $500 Minimum
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month Variable Rate Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.03% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month Variable Rate HSA Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.03% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month Variable Rate IRA Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.03% above avg
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24-Month CD
$2,000
3.86%
▲ 1.02% above national avg
▼
Rate3.82%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.02% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month Certificate
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2 Year Share Certificate
$100,000
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Early withdrawal penalty: 180 day dividend
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
24 Month Certificates of Deposit (CD)
$2,500
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
24 Month Certificate of Deposit
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Term: 24 Months (No penalty for early withdrawal)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
2 Year Share Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Early withdrawal penalty: 180 day dividend
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Base APY
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Year Certificates of Deposit
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
24 Month Share Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Term: 24-month Jumbo (>$50,000)
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month HSA Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month IRA Certificates
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Roth, Traditional, Education
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month IRA Share Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.87% above avg
Details
Balance: $100,000 - and over
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
24 Month Traditional Share Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.87% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
24 Month Business Certificates of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
24 Month Certificates of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
24 Month Personal CD & IRA CD
$20,000
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
24 Months Certificate of Deposit/IRA
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
24 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
3.62%
▲ 0.78% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.78% above avg
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month IRA Certificate
$0
3.62%
▲ 0.78% above national avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.78% above avg
Details
At Maturity
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $20,000 +
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24 Mo. (Quarterly Compound) Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 Month CD/IRA
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Compounding: Daily
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Month Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.72% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
24 Month Certificate Special
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Business 24 Month Special
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $150,000.00 - $250,000.00
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
24 Month Share Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2 Year Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
$500.00
Lena 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Share Certificates
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.37% above avg
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3 Year CD
$0
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 Month Certificate
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.31% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
36 months CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
36 Month Traditional Share Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month HSA Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month IRA Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Roth, Traditional, Education
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month IRA Share Certificates
$0
3.87%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.11% above avg
Details
Balance: $100,000 - and over
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
36 Month Certificates of Deposit (CD)
$2,500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Year Share Certificate
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Early withdrawal penalty: 180 day dividend
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
36 Month Investment Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $500 Minimum
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
36 Month Traditional Share Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.00% above avg
Details
Balance: $500 Minimum Balance for all; Share Certificates, Traditional, Roth, Educational IRA's
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
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.
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
36 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 Years IRA
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
36 Months CD
$500
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Mo. (Quarterly Compound) Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
36 Month CD
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.91% above avg
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
3.64%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.88% above avg
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month IRA Certificate
$0
3.64%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.88% above avg
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Month Certificate
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month IRA Share Certificates
$0
3.56%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Balance: $25,000 - $99,999
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Share Certificates - 3 years
$99,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.80% above avg
Details
Interest paid at twice annually/6-30 & 12/31. All rates are subject to change.
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month Certificate of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
36 Month Certificates of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Minimum $1,000.00
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
3 Year Minor Certificate-Minimum Deposit
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month CD
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.77% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
36 Month Certificate
$1,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.75% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
3 Year Minor Certificate-Minimum Deposit
$50,000
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Jumbo 36 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
36 Month CD
$5,000
3.46%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.70% above avg
Details
Daily Balances: $5,000.00 - and up
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
36 Month Certificate of Deposit
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.69% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
36 Month Certificate
$1,000
3.39%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.63% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
3 Year Minor Certificate-Minimum Deposit
$1,000
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
$500.00
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
Certificates - 36 Months
$500
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.58% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36 Month Certificate of Deposit
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
36 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Share Certificates - 3 years
$50,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Interest paid at twice annually/6-30 & 12/31. All rates are subject to change.
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
36 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.53% above avg
Details
Interest Compounded Quarterly; 6 Month Interest Penalty
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3 Year Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.49% above avg
Details
Min Bal $2,500
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.49% above avg
Details
Monthly: 3.30%; Quarterly: 3.29%; Semi Annual: 3.27%
Lena 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4 Year CD
$0
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month IRA Share Certificates
$0
4.02%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Balance: $100,000 - and over
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month HSA Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month IRA Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Roth, Traditional, Education
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
48 Month Certificates of Deposit (CD)
$2,500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
48 Months CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4 Year Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Early withdrawal penalty: 180 day dividend
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month CD
$0
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.00% above avg
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month IRA Share Certificates
$0
3.71%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $25,000 - $99,999
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
48 Months Certificate of Deposit/IRA
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Mo. (Quarterly Compound) Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 months CD
$500
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
48-Month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
48 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.84% above avg
Details
Balance: $20,000 +
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 Month Business Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 Month Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Minor Certificate-Minimum Deposit
$100,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
48 Month CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.81% above avg
Details
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
48 Month CD
$5,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.79% above avg
Details
Daily Balances: $5,000.00 - and up
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Minor Certificate-Minimum Deposit
$50,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Jumbo 48 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
48 Month Certificate
$1,000
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.74% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
48 Month Certificate of Deposit
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month Certificate of Deposit
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 Year Certificates of Deposit
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
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.
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
Certificates - 48 Months
$500
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.67% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$0
3.41%
▲ 0.64% above national avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.64% above avg
Details
Balance: $5,000 - $20,000
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Month Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
4 Year Minor Certificate-Minimum Deposit
$1,000
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
$500.00
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48 Month CD
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.58% above avg
Details
Monthly: 3.40%; Quarterly: 3.39%; Semi Annual: 3.37%
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month IRA Share Certificates
$0
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $1,000 - $24,999
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD / IRA
$500
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.57% above avg
Details
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
48 Month Certificate
$1,000
3.34%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.57% above avg
Details
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48 Month Certificate of Deposit
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
36 to 48 Month
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
Balance: $500.00 Minimum Balance
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
48 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.52% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
48 Month Certificate of Deposit
$0
3.28%
▲ 0.51% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.51% above avg
Details
Lena 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
5 Year CD
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month HSA Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month IRA Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details
Roth, Traditional, Education
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
60 Month Certificates of Deposit (CD)
$2,500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
60 Month CD
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.03% above avg
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
60 Months CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.98% above avg
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Mo. (Quarterly Compound) Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
5 Year Share Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Early withdrawal penalty: 180 day dividend
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
60 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
60 Months Certificate of Deposit/IRA
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.91% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Minor Certificate-Minimum Deposit
$100,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
$500.00
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month CD
$0
3.63%
▲ 0.79% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.79% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
60 Month Business Certificates of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
60 Month Certificates of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Minor Certificate-Minimum Deposit
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
$500.00
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
60 Month Jumbo Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Jumbo 60 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
60 Month Certificate of Deposit
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.72% above avg
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
60 Month Certificate of Deposit
$0
3.53%
▲ 0.69% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.69% above avg
Details
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
60 Month Certificate
$1,000
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Term Certificates: Regular & IRA (Traditional & Roth)
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
60 Month Certificate of Deposit
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Jumbo Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
$50,000+
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.0 ★Texas Ratio: 39.20%
Certificates - 60 Months
$5,000
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.65% above avg
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 9 Month Interest
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Monthly: 3.50%; Quarterly: 3.49%; Semi Annual: 3.48%
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
5 Year Minor Certificate-Minimum Deposit
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.61% above avg
Details
$500.00
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD / IRA
$500
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.60% above avg
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 Month Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details
*** Minimum balance of $10,000 is required.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60-Month CD
$2,000
3.30%
▲ 0.46% above national avg
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.46% above avg
Details
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 Month CD/IRA
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60 Month Certificate of Deposit
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 Month Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
60 Month Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60 Month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding and Crediting Frequency: Annually
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60 Month IRA Certificate
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Compounding and Crediting Frequency: Annually
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month Jumbo Certificate Accounts
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month Jumbo HSA Certificate Accounts
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Jumbo IRA Certificate Accounts - 60 MONTHS
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
60 Months Certificate of Deposit (CDs)
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.45% above avg
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
5 Year Certificate
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate3.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Early Withdrawal Penalty: 6 Month Interest
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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.
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Lena, IL CD Rate Trends
Compare local Lena, 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
2.952%
▲ 0.030 vs 7 days ago
Illinois 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD IL Avg
2.767%
▲ 0.021 vs 7 days ago
Illinois 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Lena, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,920
CD Rates
Tracked in Lena, Illinois
Tracked in Lena, Illinois
83 Banks
71 Credit Unions
About Our Lena, Illinois CD Rate Database
MonitorBankRates tracks 1,920 CD rates from 83 banks and 71 credit unions with locations in Lena, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Chicago Patrolmens Federal Credit Union offers a CD at 4.34% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lena, Illinois.
How to Find the Best CD Rates in Lena, Illinois
What to compare when shopping for a CD in Lena, Illinois
To find the best APYs in Lena, Illinois, start with credit unions and online-only banks: Lena, Illinois has 71 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 Lena, 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 Lena, Illinois: 154 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lena, 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 Lena, Illinois money market rates
Lena, Illinois Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
22.1%
National avg: 17.3%
Median Individual Earnings
$45,396
National avg: $47,340
Poverty Rate
3.1%
National avg: 11.1%
Unemployment Rate
2.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At IL 12-mo avg 2.952% APY
22.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.6% reflects a strong local economy. At today’s IL 12-month CD average of 2.952%, saving 10% of the local median salary ($4,539/year) and putting it in a CD would earn an additional $134 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 Lena, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Lena, 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 Lena, 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 Lena, Illinois as everywhere in the U.S.
Choosing a CD Term in Lena, 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 Lena, Illinois savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-Month CD Special at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, AAEC Credit Union is offering its 5 Year CD at 4.20% 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 Lena, 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 Lena, 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 Lena, 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 Lena, 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 Lena, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lena, 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 Lena, Illinois
Are CD rates in Lena, Illinois FDIC insured?
Yes, most established banks in Lena, 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 Lena, 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 Lena, 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 Lena, 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 Lena, Illinois?
Here are recent top rates found for this area:
- Chicago Patrolmens Federal Credit Union: 4.34% APY (24-Month IRA)
- Chicago Firefighters Credit Union: 4.33% APY (12 mos. Share Certificate)
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- First National Bank of Pana: 4.25% APY (6 Month CD SPECIAL!)
- Great Rivers Bank: 4.25% APY (18 Month Certificates of Deposit (CDs))
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- Rock Valley Credit Union: 4.25% APY (6 Month Certificates (CDs) - Promotional)
- AAEC Credit Union: 4.20% APY (5 Year CD)
- The FNB Community Bank: 4.16% APY (24 Month Certificates of Deposit (CDs))
- State Bank of Texas: 4.15% APY (High-Rate Jumbo 12-Month CD)
Rates reflect recent verified offers available in Lena, Illinois. Last Updated: September 22, 2026
Lena, 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 Lena, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lena, Illinois
Lena, Illinois CD Calculator
At today’s IL top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
Lena, Illinois CD LadderIL CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lena, Illinois CD at 4.34% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.952% 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 Lena, 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 Lena, 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 Lena, 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: September 22, 2026
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