CD Rates Springfield, Illinois (IL) for April 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Springfield, Illinois CD rates include Cooperative Choice Network Credit UnionCooperative Choice Network Credit Union3900 Wood Duck Dr, Springfield, IL 62711A+5.0 ★Texas Ratio: 1.78% offering 36 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's at 3.97% APY, Heartland Credit Union Springfield, ILHeartland Credit Union Springfield, IL2712 E Sangamon Ave, Springfield, IL 62702A+5.0 ★Texas Ratio: 1.13% offering Kid/Teen Club Add-On Certificate of Deposit 12 month* at 3.76% APY, INB National AssociationINB National Association322 E Capitol Ave, Springfield, IL 62701A+5.0 ★Texas Ratio: 2.04% offering 6-Month CD Special at 3.73% APY, Warren-Boynton State BankWarren-Boynton State Bank3030 Spring Mill Dr, Springfield, IL 62704A+5.0 ★Texas Ratio: 1.80% offering 60 Month CD at 3.63% APY, and Land Of Lincoln Credit UnionLand Of Lincoln Credit Union300 S Grand Ave W, Springfield, IL 62704 3716A5.0 ★Texas Ratio: 6.84% offering 3-month - Share Certificates (CDs) at 3.43% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Springfield, Illinois, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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 4, 2026
Compare Best CD Rates in Springfield, Illinois & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
3 month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
3-month - Share Certificates (CDs)
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
3 Month CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
15-90 Day CD
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1,2
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
3 Month CD
$0
0.21%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
3 Month Certificates of Deposit
$2,500
0.03%
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
3 MONTH CD
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 3 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
1515 Bond St, Naperville, IL 60563 0112
Share Savings Certificate 3-Month
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
102 S East Ave, Ogden, IL 61859
3-month CD
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
3 Month Certificate of Deposit (CDs)
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500.00 Minimum Balance; Interest Paid at maturity; 3 Month Interest Penalty
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
3-Month CD
$0
2.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
3 Month Certificate of Deposit
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL 62226
3-month Quarterly CD
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
3 Month Certificate of Deposit
$1,000
1.46%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
3 month CD
$1,000
1.41%
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
650 Northwest Hwy, Cary, IL 60013 2073
Regular CD 3-Month
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 3 month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
700 S Lewis Ave, Waukegan, IL 60085
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
101 N Broadway, Goreville, IL 62939
Certificate of Deposit 3 month
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
108 Elm Street, Franklin Grove, IL 61031
3 Month Certificate of Deposit
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
800 S 42ND ST, Mount Vernon, IL 62864
Standard Certificates 3 Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
228 N Dixie Hwy, Momence, IL 60954
90 Day Standard CD
$2,500
0.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
$2,500 Minimum Opening Deposit
FNB in Taylorville
Institution Rating:
B+4.8 ★Texas Ratio: 17.11%
502 S Broad St, Mount Auburn, IL 62547
Certificates of Deposit 3 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 3-Month
$1,000
0.24%
▼
Rate0.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
3 Month Certificates of Deposit
$2,500
0.20%
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
3 Month Certificate
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
110 S 4th St, Elkville, IL 62932
3 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First FSB of Champaign Urbana
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1311 S Neil St, Champaign, IL 61820
Roth IRAs 90 Day CD
$50,000
0.05%
▼
Rate0.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3900 Wood Duck Dr, Springfield, IL 62711
6 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
6-Month CD Special
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
6 month Certificate
$0
3.57%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
6-month - Share Certificates (CDs)
$0
3.32%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
6 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
6 Month CD
$0
0.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
6 Month Certificates of Deposit
$2,500
0.07%
▼
Rate0.07%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6 month CD special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1000 minimum deposit required; Penalty for early withdrawal; No compounding, interest paid at maturity
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term
$2,500
3.66%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month Bonus Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL 60661
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
No monthly fee
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
6 month CD
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
6 Month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2323 S Wentworth Ave, Chicago, IL 60616
6-Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
6 Mo. CD
$5,000
3.30%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly Compound
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 6-month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
6 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 6 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
6 MONTH CD
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 6 Month
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
DuPage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
1515 Bond St, Naperville, IL 60563 0112
Share Savings Certificate 6-month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL 60104
IRA Certificates 6 Month
$0
3.00%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
Certificates of Deposit (CDs) Specials 6 Month
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
6 Month Certificate of Deposit (CDs)
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
301 S Main St, Pleasant Hill, IL 62366
6 Month Certificate of Deposit
$2,500
2.52%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
6 month Certificates of Deposit
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 6 month
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
6 Month CD & IRA
$5,000
2.35%
▼
Rate2.33%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
6 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
6 Month CD
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL 62226
6-month Quarterly CD
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
6 Month CD / IRA
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
6 Month Certificate of Deposit
$2,500
2.01%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
6 Month CD/IRA CD
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
6 Month Certificate
$0
1.85%
▼
Rate1.84%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
6 Month Certificate of Deposit
$1,000
1.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
6 Month Certificates of Deposit
$5,000
1.60%
▼
Rate1.59%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
6 month Share/IRA Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3900 Wood Duck Dr, Springfield, IL 62711
12 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
Kid/Teen Club Add-On Certificate of Deposit 12 month*
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
12 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
IRA (12 Month Special)
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
12-month - Share Certificates (CDs)
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
12 Month CD
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1,2
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
12 Month CD/IRA
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
12 Month CD
$0
0.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
12 Month Flex Index CD
$1,000
4.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL 61008 9302
1 Year Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 months (1 year) Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. Call for rates and APY on additional minimum balances.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
8504 W Golf Rd, Niles, IL 60714
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Limited time offer. Only available in our branches.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$0
3.73%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 12 month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 12-month CD
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2323 S Wentworth Ave, Chicago, IL 60616
12-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
12 Month Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
IRA 12 month CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 12 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
Large Depositor Special 12 Month
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
12 Month CD
$1,000
3.46%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
Certificates of Deposit (CDs) Specials 12 Month
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
12 Month Certificate of Deposit
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
1 Year CD/IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL 60532
Jumbo Certificates of Deposit 12 mo.
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
12 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
12 Month Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL 60631
12 mo. Certificate of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 to $4,999.99
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$5,000
3.13%
▼
Rate3.09%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
1 Year IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Chester National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
165 W Broadway St, Sparta, IL 62286
1 Year IRA
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
104 W Pine St, Mason City, IL 62664
12 Month Certificate of Deposit & IRAs
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Balance Required to open account $500
Lakeside Bank IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
55 W Wacker Dr, Chicago, IL 60601
12-month CD
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
12 Month CD / IRA
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL 60104
12 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 12 Month
$100,000
2.63%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
12 Month CD
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
12 Month CD & IRA
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
12 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL 60435 6509
1 Year Certificates of Deposit
$0
2.27%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificates 12-month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
12 Month Certificate of Deposit
$1,000
2.22%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
12 Month Certificate
$0
2.20%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3900 Wood Duck Dr, Springfield, IL 62711
18 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
18 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
18 Month CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
18-month - Share Certificates (CDs)
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
18 Month CD/IRA
$1,000
1.20%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
18 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
18 Month CD
$0
0.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 18 month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Save more when you move at least $500 from another financial institution.
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
110 S 4th St, Elkville, IL 62932
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
3.53%
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Rate changes quarterly-Quarterly compounding-<br/>$100.00 minimum additions permitted-IRA fund also permitted
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
18 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
Traditional IRAs 18 Month
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
107 E Main St, Yates City, IL 61572
IRA 18 Mo. Fixed
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
18 Month CD
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL 60631
18 mo. Certificate of Deposit
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 to $4,999.99
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
18 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
101 N Broadway, Goreville, IL 62939
Certificate of Deposit 18 month
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
18 MONTH CD
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
18 Month CD / IRA
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 18 Month
$100,000
2.84%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
18 Month Certificate
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
102 S East Ave, Ogden, IL 61859
18-month CD
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
18 Month Certificate
$0
2.72%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum Balance to obtain APY*
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
18 Month CD
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificates 18-month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
18 Month Variable Rate IRA
$250
2.46%
▼
Rate2.44%
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
26 Farragut Avenue, Great Lakes, IL 60088
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
18 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
18 Month Certificate of Deposit
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
18 Month Certificates of Deposit
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$0
2.20%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
101 W Broadway St, Sparta, IL 62286
18 Month Certificate of Deposit
$500
2.15%
▼
Rate2.13%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 18-Month
$1,000
2.13%
▼
Rate2.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
18 month IRA (Fixed)
$100
2.12%
▼
Rate2.10%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
NCS Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
411 W Market St, Red Bud, IL 62278
IRA - 18 Mo Fixed
$100
2.02%
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 18 month
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
18 Month CD
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
18 Month Certificate of Deposit
$1,000
1.91%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
18 Month Share Certificates
$1,000
1.81%
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3900 Wood Duck Dr, Springfield, IL 62711
24 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
24 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
24-month - Share Certificates (CDs)
$0
3.08%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
24 Month CD (2 Year)
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1,2
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
CD (2 year)a
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
24 Month CD/IRA
$1,000
1.30%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
24 Month Certificates of Deposit
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
2 Year CD
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Bonus Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
IRA 24 month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 24-month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.40%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
24 Month CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
24 Month CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
Traditional IRAs 24 Month
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
109 E Vermilion St, Catlin, IL 61817
24 Month Certificate of Deposit (CDs)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
24 MONTH CD
$500
3.10%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
24 month Share/IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
24 Month CD / IRA
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
2 year Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 24 Month
$50,000
2.94%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
24 Mo. CD
$5,000
2.90%
▼
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly Compound
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$20,000
2.88%
▼
Rate2.85%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
24 Month Certificate
$0
2.87%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
24 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificates 24-month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
24 Month Certificate
$5,000
2.70%
▼
Rate2.67%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Daily compounding. IRA funds permitted. No business funds permitted
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
24 Month CD
$1,000
2.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
24 Month CD / IRA
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
104 W Pine St, Mason City, IL 62664
24 Month Certificate of Deposit & IRAs
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Balance Required to open account $500
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
101 W Broadway St, Sparta, IL 62286
24 Month Certificate of Deposit
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
24 Month Certificate of Deposit
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
26 Farragut Avenue, Great Lakes, IL 60088
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
24 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
24 month IRA (Fixed)
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
24 Month Certificate
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 24-Month
$1,000
2.23%
▼
Rate2.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
111 W Hack St, Cullom, IL 60929
24 Month CD
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
24 Month Certificate of Deposit
$1,000
2.07%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3900 Wood Duck Dr, Springfield, IL 62711
36 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
36 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
36-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
36 Month CD (3 Year)
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1,3
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
36 Month Certificates of Deposit
$1,500
2.00%
▼
Rate1.99%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
IRA (3 Year)
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
36 Month CD/IRA
$1,000
1.40%
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
3 Year CD
$0
0.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1309 S Center St, Normal, IL 61761 3458
IRA 36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 36 Month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
36-month CD Special
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Collinsville Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
701 Belt Line Rd, Collinsville, IL 62234
36 MONTH CERTIFICATE
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1311 Shooting Park Rd, Peru, IL 61354
36 month Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3960 W 26th St, Chicago, IL 60623
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
3 year Certificates of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
36 Month CD / IRA
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
Traditional IRAs 36 Month Bump
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
36 Month Certificate
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum Balance to obtain APY*
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 36 Month
$50,000
3.14%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
36 MONTH CD
$5,000
3.10%
▼
Rate3.10%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 36 month
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
36 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Health Saving Account 3 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
36 Mo. CD
$5,000
2.90%
▼
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly Compound
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
36 Month Special Certificate of Deposits & IRA Specials
$150,000
2.80%
▼
Rate2.76%
Min Deposit$150,000
Min Balance—
UpdatedApr 4, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 36 month
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
36 Month CD
$1,000
2.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
36 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
104 W Pine St, Mason City, IL 62664
36 Month Certificate of Deposit & IRAs
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Balance Required to open account $500
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
36 Month CD
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
111 W Hack St, Cullom, IL 60929
36 Month CD
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
36 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
36 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
101 W Broadway St, Sparta, IL 62286
36 Month Certificate of Deposit
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
36 month CD
$1,000
2.22%
▼
Rate2.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
36 Month Certificate
$0
2.20%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
36 Month Certificate of Deposit
$1,000
2.17%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
654 1st St, La Salle, IL 61301
IRA Certificates of Deposit 36 Month
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Brownstown
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
108 E Main St, Brownstown, IL 62418
36 Month Certificate of Deposit
$1,000
2.05%
▼
Rate2.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
48 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
48-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
IRA - 48 Month (Fixed)
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1,4
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
48 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
IRA (4 Year)
$0
1.65%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
48 Month CD/IRA
$1,000
1.61%
▼
Rate1.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
4 Year CD
$0
1.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 48 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
48 Month CD / IRA
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
48 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
Certificate of Deposit 48 month
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
48 MONTH CD
$500
3.15%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.12%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month Certificate
$20,000
3.07%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 4 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
106 E Main St, Teutopolis, IL 62467
48 Month CD
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 48 month bump rate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$20,000
2.98%
▼
Rate2.95%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
48 month IRA (Fixed)
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL 60631
48 mo. Certificate of Deposit
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 to $4,999.99
Peoples Bank of Kankakee County
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
315 Main St Nw, Bourbonnais, IL 60914
48 Month CD & IRA
$5,000
2.55%
▼
Rate2.53%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
48 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Mason City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
104 W Pine St, Mason City, IL 62664
48 Month Certificate of Deposit & IRAs
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Balance Required to open account $500
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
102 S East Ave, Ogden, IL 61859
48-month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Lacon
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
111 S Broad St, Lacon, IL 61540
48 Month CD
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 48-Month
$1,000
2.33%
▼
Rate2.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
48 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
48 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
48 Month CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
48 Month Certificate of Deposit
$1,000
2.22%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
FNB Of Nokomis
Institution Rating:
A5.0 ★Texas Ratio: 8.75%
106 N Main St, Moweaqua, IL 62550
48 Month CD
$1,000
2.16%
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2300 4TH AVE, ROCK ISLAND, IL 61201
48 Month CD
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
48 Month Share Certificates
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
48 Month Term
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
4 Year Certificates of Deposit
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
College Savers 3 or 4 Year Certificate
$50
1.85%
▼
Rate1.79%
Min Deposit$50
Min Balance—
UpdatedApr 4, 2026
Details
Quarterly compounding, $10.00 min. additions
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Certificates 48 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
48 Month Certificate of Deposit
$0
1.75%
▼
Rate1.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3030 Spring Mill Dr, Springfield, IL 62704
60 Month CD
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $10,000 is required.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
300 S Grand Ave W, Springfield, IL 62704 3716
60-month - Share Certificates (CDs)
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
3600 Wabash Ave, Springfield, IL 62711
60 Month CD
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1925 S Macarthur Blvd, Springfield, IL 62704
60 Month Certificates of Deposit
$5,000
2.00%
▼
Rate1.99%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
322 E Capitol Ave, Springfield, IL 62701
CD (5 year)
$0
1.95%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bankers Trust Company
Institution Rating:
B4.6 ★Texas Ratio: 19.94%
2201 Wabash Ave, Springfield, IL 62704
60 Month CD/IRA
$1,000
1.81%
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
5 Year CD
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1835 1st St, Highland Park, IL 60035
Roth IRA 5 Year Variable
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
60 Month Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
60 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
60 Month CD / IRA
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
60 Month Certificate
$0
3.38%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 Minimum Balance to obtain APY*
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
60 Month CD/IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
506 Main Street, Lerna, IL 62440
Traditional IRAs 60 Month
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Clay County State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
111 N Church St, Louisville, IL 62858
60 MONTH CD
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
60 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL 60661
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
No monthly fee
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL 60104
IRA Certificates 60 Month
$0
3.00%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Sparta
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
101 W Broadway St, Sparta, IL 62286
60 Month Certificate of Deposit
$500
2.85%
▼
Rate2.82%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
60 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
60 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
1023 4th St, Eldorado, IL 62930
60 Month Certificate of Deposit
$1,000
2.53%
▼
Rate2.51%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
102 S East Ave, Ogden, IL 61859
60-month CD
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Lacon
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
111 S Broad St, Lacon, IL 61540
60 Month CD
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
60 month CD
$1,000
2.47%
▼
Rate2.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 60-Month
$1,000
2.39%
▼
Rate2.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Vermilion Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
111 W Hack St, Cullom, IL 60929
60 Month Roth IRA
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
La Salle State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
654 1st St, La Salle, IL 61301
IRA Certificates of Deposit 60 Month
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bank First, NA
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
300 E Main St, Rockton, IL 61072
60 Month Certificate of Deposits
$1,000
2.28%
▼
Rate2.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Robinson Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
501 E Main St, Robinson, IL 62454
60 Month CD
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
60 Month Certificate
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
101 Wesley Dr, Wood River, IL 62095
60 Month Share Certificates
$1,000
2.17%
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
107 E Main St, Yates City, IL 61572
60 Month CD fixed
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
60 Month Certificate of Deposit
$1,000
2.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 E Lebanon St, Nashville, IL 62263
60 MONTH CERTIFICATE
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
104 E Main St, Elmwood, IL 61529
60 Month CD
$1,000
1.99%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Peoples National Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
520 S 42nd St, Mount Vernon, IL 62864
60 Month Individual Retirement Accounts (IRAs)
$0
1.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
575 N Broadway, Aurora, IL 60505
IRA Certificates 60 Month
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
214 Main St, Savanna, IL 61074 1628
60 month Certificate
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FNB of Brownstown
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
108 E Main St, Brownstown, IL 62418
60 Month Certificate of Deposit
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 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.
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Frequently Asked Questions about CD Rates in Springfield, Illinois
Are CD rates in Springfield, Illinois FDIC insured?
Yes, most established banks in Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Illinois?
Here are recent top rates found for this area:
- Cooperative Choice Network Credit Union: 3.97% APY (36 Month Renewal Share Certificates, Traditional, Roth, Educational IRA's)
- Heartland Credit Union Springfield, IL: 3.76% APY (Kid/Teen Club Add-On Certificate of Deposit 12 month*)
- INB National Association: 3.73% APY (6-Month CD Special)
- Warren-Boynton State Bank: 3.63% APY (60 Month CD)
- Land Of Lincoln Credit Union: 3.43% APY (3-month - Share Certificates (CDs))
- WCB West Central Bank: 3.34% APY (12 Month CD)
- Heartland Bank and Trust Company: 2.00% APY (60 Month Certificates of Deposit)
- First Bankers Trust Company: 1.81% APY (60 Month CD/IRA)
- Bank of Springfield: 1.40% APY (5 Year CD)
- Merchants Bank of Indiana: 4.86% APY (12 Month Flex Index CD)
Rates reflect recent verified offers available in Springfield, Illinois. Last Updated: April 4, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Springfield, 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 Springfield, 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 4, 2026
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