CD Rates Murphysboro, Illinois (IL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Murphysboro, Illinois CD rates include Murphy-Wall State B&T Co.Murphy-Wall State B&T Co.105 N Williams St, Murphysboro, IL 62966A5.0 ★Texas Ratio: 10.45%Real return: +0.85%APY minus CPI (February 2026) offering 18 Month NEW Money Certificate of Deposit Special at 3.65% APY, First Mid Bank & TrustFirst Mid Bank & Trust1709 Walnut St, Murphysboro, IL 62966A+5.0 ★Texas Ratio: 2.74%Real return: -0.05%APY minus CPI (February 2026) offering 48 Month CD Special at 2.75% APY, First Southern BankFirst Southern Bank900 Walnut St, Murphysboro, IL 62966A-5.0 ★Texas Ratio: 15.16%Real return: -0.27%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 2.53% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, and Gas and Electric Credit UnionGas and Electric Credit UnionA+5.0 ★Texas Ratio: 4.44%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Murphysboro has 19 local institutions in our database, with CD rates as high as 3.65% APY from Murphy-Wall State B&T Co. at 105 N Williams St, Murphysboro, IL 62966. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Murphysboro, Illinois & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
3 Month Certificate of Deposit
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
3 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3-month - Share Certificates (CDs)
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80%
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 3 Month
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
3 Month Certificate of Deposit (CDs)
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500.00 Minimum Balance; Interest Paid at maturity; 3 Month Interest Penalty
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3-month Quarterly CD
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
3 Month Certificate of Deposit
$1,000
1.46%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3 month CD
$1,000
1.41%
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$1,000
1.26%
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1,2
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Month Certificate Accounts
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance required for all Certificate of Deposits
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Standard Certificates 3 Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB in Taylorville
Institution Rating:
B+4.8 ★Texas Ratio: 17.11%
Certificates of Deposit 3 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 3-Month
$1,000
0.24%
▼
Rate0.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Roth IRAs 90 Day CD
$50,000
0.05%
▼
Rate0.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3 Month Certificates of Deposit
$2,500
0.03%
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
6 Month Certificate of Deposit
$2,500
2.01%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
6 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
6-Month CD Special
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 6 Month CD
$1,000
3.94%
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Terms and conditions apply. Click below for details.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 6 Month Renewal
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-Month CD Special
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$2,000
3.65%
▼
Rate3.62%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 month Certificate
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 month CD
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
6-Month Certificate or IRA-HSA
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
6-month - Share Certificates (CDs)
$0
3.32%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Compound
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
6 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 6 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
Share Savings Certificate 6-month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Elite Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
6 Month Certificates of Deposit
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 6 Month
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 6 Month
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 6 Month
$100,000
2.63%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
6 Month Certificate of Deposit (CDs)
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 3 Month Interest Penalty
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
IRA 6 Month Certificate
$10
2.50%
▼
Rate2.48%
Min Deposit$10
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly compounding $10 minimum additions allowed
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
6 month Certificate of Deposit
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD & IRA
$5,000
2.35%
▼
Rate2.33%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 month Certificates of Deposit (CDs), Regular and IRA
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
6 Month CD
$1,000
2.26%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
6-month Quarterly CD
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
6 Month CD / IRA
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month CD/IRA CD
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$100,000
1.85%
▼
Rate1.84%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
6 Month Certificate of Deposit
$1,000
1.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
12 Month Certificate of Deposit
$1,000
2.22%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
12 Month Certificate of Deposit
$1,000
0.30%
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
1 Year Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months (1 year) Certificate
$20,000
4.00%
▼
Rate3.94%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
over $20,000
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.90%
▼
Rate3.83%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer. Only available in our branches.
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Kid/Teen Club Add-On Certificate of Deposit 12 month*
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 12 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$2,000
3.70%
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
IRA Savings Certificates 1 Year
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
12 Month Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 12 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
12 Month CD
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 1 Year Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
12 Month CD (a)
$1,000
3.46%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
Certificates of Deposit (CDs) Specials 12 Month
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1-Year Add-On Certificate or IRA-HSA
$50
3.40%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$50,000
3.39%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
12-month - Share Certificates (CDs)
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Share Certificates of Deposit 12-month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Promo CD Special
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificates of Deposit & IRAs
$500
3.28%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
1 Year Certificate of Deposit
$5,000
3.13%
▼
Rate3.09%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA 1 Year
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 12 Month
$100,000
2.84%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 12 Month
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Elite Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
12 Month Certificates of Deposit
$0
2.75%
▼
Rate2.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
12 Month CD
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD & IRA
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1 Year Certificates of Deposit
$0
2.27%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Share/IRA Certificates 12-month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
2.20%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
Share Savings Certificate 12-month
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
18 Month Certificate of Deposit
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 18 Month Renewal
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Blackhawk Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
18-MONTH Silver Hawk Club CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 18 Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
18 Month Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 Month Fixed IRA
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month CD
$2,000
3.20%
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 18 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
18 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
18 Month Special Certificate of Deposits & IRA
$3,000
3.05%
▼
Rate3.00%
Min Deposit$3,000
Min Balance—
UpdatedApr 12, 2026
Details
$3,000.00-$149,999.99
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Share Certificates 18 Month
$100,000
3.04%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
Certificate of Deposit 18 month
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
18-month - Share Certificates (CDs)
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance to obtain APY*
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month CD
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
IRA - 18 Month Variable CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate may change after the account is opened.
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Share/IRA Certificates 18-month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable Rate IRA
$250
2.46%
▼
Rate2.44%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
18 Month CD / IRA
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Month Certificates of Deposit
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$1,000
2.20%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Itasca Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Variable 18 Month IRA/SEP
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 18-Month
$1,000
2.13%
▼
Rate2.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
18 month IRA (Fixed)
$100
2.12%
▼
Rate2.10%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 18 Month
$50,000
2.00%
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
18 Month CD
$1,000
1.96%
▼
Rate1.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
18 Month Certificate of Deposit
$1,000
1.91%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Share Certificates
$1,000
1.81%
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
18 Month Certificates of Deposit
$1,000
1.70%
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1709 Walnut St, Murphysboro, IL 62966
24 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
24 Month Certificate of Deposit
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
24 Month Certificate of Deposit
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 24 Month Renewal
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Share Certificates of Deposit 24-month Jumbo
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
IRA 24 month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Investment Certificates 24 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH CERTIFICATE
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
SPECIAL!!!
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
24 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
24-month - Share Certificates (CDs)
$0
3.08%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
24 month Certificates of Deposit (CDs), Regular and IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month Share/IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 Month Special Certificate of Deposits & IRA Specials
$150,000
3.00%
▼
Rate2.96%
Min Deposit$150,000
Min Balance—
UpdatedApr 12, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
24 Month Certificate of Deposit
$1,000
2.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 24 Month
$50,000
2.94%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Compound
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 24 Month
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
2 1/2 Year Certificate of Deposit
$20,000
2.88%
▼
Rate2.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD & IRA
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
24 Month CD / IRA
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month CD (2 Year)
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1,2
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
24 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 24-Month
$1,000
2.23%
▼
Rate2.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 24 Month
$50,000
2.20%
▼
Rate2.19%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
24 Month Certificate of Deposit
$1,000
2.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1709 Walnut St, Murphysboro, IL 62966
36 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
36 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
36 Month Certificate of Deposit
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
Share Certificates, Traditional, Roth, Educational IRA's 36 Month Renewal
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
IRA 36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Terms and conditions apply. Click below for details.
Collinsville Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH CERTIFICATE
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month CD (a)
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 36 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 Month Bump Certificate of Deposit
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance to obtain APY*
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates of Deposit (CDs) 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
36 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
36-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Health Saving Account 3 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Compound
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 36 Month
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
IRA Share Certificate 36 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
36 month Certificates of Deposit (CDs), Regular and IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD & IRA
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
36 Month Special Certificate of Deposits & IRA
$3,000
2.60%
▼
Rate2.57%
Min Deposit$3,000
Min Balance—
UpdatedApr 12, 2026
Details
$3,000.00-$149,999.99
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
36 month IRA (Fixed)
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD (3 Year)
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1,3
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 36-Month
$1,000
2.28%
▼
Rate2.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
36 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Elite Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month Certificates of Deposit
$0
2.25%
▼
Rate2.24%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 36 Month
$50,000
2.20%
▼
Rate2.19%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
36 Month Certificate of Deposit
$1,000
2.17%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
IRA Certificates of Deposit 36 Month
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Brownstown
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
36 Month Certificate of Deposit
$1,000
2.05%
▼
Rate2.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Mid Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1709 Walnut St, Murphysboro, IL 62966
48 Month CD Special
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
24, 36, and 48 month CDs will automatically renew at a standard rate with the same term, upon maturity, unless you contact First Mid to elect a different option.
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
48 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
48 Month Certificate of Deposit
$1,000
0.80%
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month CD (a)
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA Share Certificates 48 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
48 Month Certificate
$20,000
3.07%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
over $20,000
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
48 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 48 Month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
48-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Compound
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
4 Year Certificate of Deposit
$20,000
2.98%
▼
Rate2.95%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
IRA Share Certificate 48 Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 month Certificates of Deposit (CDs), Regular and IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
48 month IRA (Fixed)
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
48 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD & IRA
$5,000
2.55%
▼
Rate2.53%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
48 Month Certificate of Deposit
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
48 Month CD (4 Year)
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
1,3
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 48-Month
$1,000
2.33%
▼
Rate2.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
1st Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Jumbo Term Share Certificate 48 Month
$50,000
2.30%
▼
Rate2.29%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
48 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
48 Month Certificate of Deposit
$1,000
2.22%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month CD
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Share Certificates
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
48-month Quarterly CD
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
900 Walnut St, Murphysboro, IL 62966
60 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
105 N Williams St, Murphysboro, IL 62966
60 Month Certificate of Deposit
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 5 Year Variable
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
60 Month Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance to obtain APY*
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance of $10,000 is required.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
IRA Share Certificate 60 Month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA Certificates of Deposit 60 Month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
60-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Compound
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Certificate of Deposit
$500
2.85%
▼
Rate2.82%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
60 month Certificates of Deposit (CDs), Regular and IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
60 Month Certificates of Deposit & IRAs
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
60 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
60 month CD
$1,000
2.47%
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate of Deposit 60-Month
$1,000
2.39%
▼
Rate2.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Month Roth IRA
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
IRA Certificates of Deposit 60 Month
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
60 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$100,000
2.25%
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Share Certificates
$1,000
2.17%
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
60 Month Certificate of Deposit
$1,000
2.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 MONTH CERTIFICATE
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
60-month Quarterly CD
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
60 Month CD
$1,000
1.99%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
60 Month Individual Retirement Accounts (IRAs)
$0
1.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA Certificates 60 Month
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
60 month Certificate
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
60 Month CD/IRA
$1,000
1.81%
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Murphysboro, IL CD Rate Trends
Compare local Murphysboro, 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
2.336%
Unchanged vs 7 days ago
Illinois 12-month CD rates currently average 2.336% APY based on data from institutions in our monitoring network.
6-Month CD — IL Avg
2.286%
Unchanged vs 7 days ago
Illinois 6-month CD rates currently average 2.286% APY based on data from institutions in our monitoring network.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.336%
6-Month Forecast
2.336%
Range: 2.14% – 2.49%
12-Month Forecast
2.086%
Range: 1.89% – 2.24%
Powered by
MonitorBankRates
What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.769% | $88.45 | $176.90 | $442.25 | $884.50 |
| 6-Month CD | 2.286% | $114.31 | $228.61 | $571.53 | $1,143.05 |
| 12-Month CD | 2.336% | $116.80 | $233.60 | $584.00 | $1,168.00 |
| 18-Month CD | 2.184% | $109.18 | $218.36 | $545.90 | $1,091.80 |
| 24-Month CD | 2.344% | $117.19 | $234.37 | $585.93 | $1,171.85 |
| 36-Month CD | 2.423% | $121.14 | $242.28 | $605.70 | $1,211.40 |
| 48-Month CD | 2.492% | $124.58 | $249.16 | $622.90 | $1,245.80 |
| 60-Month CD | 2.471% | $123.57 | $247.13 | $617.83 | $1,235.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Murphysboro, Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.769% | $88.45 |
| 2 | 6-Month CD | $5,000 | 2.286% | $114.31 |
| 3 | 12-Month CD | $5,000 | 2.336% | $116.80 |
| 4 | 24-Month CD | $5,000 | 2.344% | $117.19 |
| 5 | 36-Month CD | $5,000 | 2.423% | $121.14 |
| Total ($25,000 invested) | $25,000 | 2.232% blended | $557.89/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.
155
Institutions
in Murphysboro, Illinois
in Murphysboro, Illinois
102 Banks
53 Credit Unions
About Our Murphysboro, Illinois CD Rate Database
MonitorBankRates tracks CD rates from 102 banks and 53 credit unions with locations in Murphysboro, 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: Murphy-Wall State B&T Co. offers a CD at 3.65% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Murphysboro, Illinois.
How to Find the Best CD Rates in Murphysboro, Illinois
What to compare when shopping for a CD in Murphysboro, Illinois
To find the best APYs in Murphysboro, Illinois, start with credit unions and online-only banks — Murphysboro, Illinois has 53 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 Murphysboro, 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 Murphysboro, Illinois — 155 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Murphysboro, Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Murphysboro, Illinois money market rates
Murphysboro, Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.7%
National avg: 17.3%
Median Individual Earnings
$31,250
National avg: $47,340
Poverty Rate
14.9%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$73/yr
At IL 12-mo avg 2.336% APY
21.7% 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. At today’s IL 12-month CD average of 2.336%, saving 10% of the local median salary ($3,125/year) and putting it in a CD would earn an additional $73 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 Murphysboro, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Murphysboro, Illinois
Are CD rates in Murphysboro, Illinois FDIC insured?
Yes, most established banks in Murphysboro, 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 Murphysboro, 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 Murphysboro, 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 Murphysboro, 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 Murphysboro, Illinois?
Here are recent top rates found for this area:
- Murphy-Wall State B&T Co.: 3.65% APY (18 Month NEW Money Certificate of Deposit Special)
- First Mid Bank & Trust: 2.75% APY (24 Month CD Special)
- First Southern Bank: 2.53% APY (60 Month Certificate of Deposit)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Alliance Community Bank: 4.07% APY (36-Month Certificates of Deposit (CDs))
- ABD Federal Credit Union: 4.06% APY (1 Year Certificate)
- Policemens Federal Credit Union: 4.00% APY (12 months (1 year) Certificate)
- Crossroads Bank Effingham, IL: 4.00% APY (48-Month CD)
Rates reflect recent verified offers available in Murphysboro, Illinois. Last Updated: April 12, 2026
CD Calculators for Murphysboro, Illinois
Murphysboro, Illinois CD Calculator
At today’s IL top rate of 3.65% APY, a $10,000 deposit earns $365 in the first year. Enter your amount to see your exact return.
Murphysboro, Illinois CD LadderIL CD rates currently range from 1.769% (3-month) to 2.423% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Murphysboro, Illinois CD at 3.65% 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 2.336% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Murphysboro, Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Murphysboro, Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 12, 2026
Rate Assistant
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