Illinois Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Illinois CD rates range from 2.75% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Illinois CD rates include FIRST EAGLEFIRST EAGLE1299 Zurich Way, Schaumburg, IL 60196A+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, National Police Federal Credit UnionNational Police Federal Credit Union1407 W Washington Blvd, Chicago, IL 60607 1820A+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY, United Equity Credit UnionUnited Equity Credit Union687 Lincoln St, Galesburg, IL 61401A+5.0 ★Texas Ratio: 0.71%Real return: +1.05%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Share Certificate at 4.75% APY, First Savings Bank of HegewischFirst Savings Bank of Hegewisch18207 Burnham Ave, Lansing, IL 60438A+5.0 ★Texas Ratio: 0.18%Real return: +0.92%APY minus CPIRate verified Oct 21, 2026 offering 18 Month Variable Rate Certificate at 4.62% APY, and Lindell Bank & Trust CompanyLindell Bank & Trust Company327 Missouri Ave # 333, East St Louis, IL 62201A+5.0 ★Texas Ratio: 1.91%Real return: +0.84%APY minus CPIRate verified Oct 20, 2026 offering Special Variable Rate IRA 18 Months at 4.54% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Illinois side-by-side. Illinois CD rates currently reach as high as 5.00% APY from FIRST EAGLE at 1299 Zurich Way, Schaumburg, IL 60196. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Illinois
Illinois 3 Month CD Rates
MonitorBankRates Illinois Average · 3 Month CD1.59% APY▲ 0.04% from last weekNational 2.13%
The average 3-month CD rate in Illinois is 1.59% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Month Certificate of Deposit
$1,000
4.48%
▲ 2.89% above Illinois avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 2.89% above avgNationally 2.13%
Details
Early Withdrawal Penalty: 1 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
- Oct 7, 20264.48%▲ from 3.53%
- Sep 14, 20263.53%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 3 Months
$500
4.08%
▲ 2.49% above Illinois avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 2.49% above avgNationally 2.13%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
101 W Main St, Industry, IL 61440
Certificate of Deposits - 3 Months
$0
4.01%
▲ 2.42% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 2.42% above avgNationally 2.13%
Details
Rate History
1 change since Sep 11, 2026 · 3.70% → 4.01% ▲ 0.31 pts · high 4.01% / low 3.70%
- Oct 3, 20264.01%▲ from 3.70%
- Sep 11, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
3 Month Certificates
$0
3.90%
▲ 2.31% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 2.31% above avgNationally 2.13%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
201 E Main St, Collinsville, IL 62234
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 2.26% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.26% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
Fixed Rate CD - 3 Month
$1,000
3.82%
▲ 2.23% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.23% above avgNationally 2.13%
Details
Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 90 Days
$0
3.75%
▲ 2.16% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details
Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 90 Days
$0
3.75%
▲ 2.16% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details
Balance: $500 Minimum; Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 2.16% above Illinois avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
3 Month CD
$1,000
3.65%
▲ 2.06% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details
Rates effective as of September 22, 2026
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
90 Day CD Specials
$1,000
3.65%
▲ 2.06% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details
Rates effective as of September 22, 2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
801 State St, Quincy, IL 62301
CD Specials - 90 Day / 3 Month
$1,000
3.65%
▲ 2.06% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details
Rates effective as of 9/22/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month Certificate of Deposit
$500
3.55%
▲ 1.96% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.96% above avgNationally 2.13%
Details
Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) - 3 Month
$0
3.51%
▲ 1.92% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details
Penalty: 91 days
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 3 times
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2712 E Sangamon Ave, Springfield, IL 62702
3 Month Certificate
$0
3.51%
▲ 1.92% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details
90 day early withdrawal penalty
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40%
- Oct 19, 20263.51%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
3 Month Certificate
$1,000
3.51%
▲ 1.92% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
Certificates of Deposit (CDs) - 3-Month
$1,000
3.45%
▲ 1.86% above Illinois avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.86% above avgNationally 2.13%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 2 times
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 3 month CD
$500
3.45%
▲ 1.86% above Illinois avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.86% above avgNationally 2.13%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3130 E Mound Rd, Decatur, IL 62526
3 Month Share Certificates
$0
3.43%
▲ 1.84% above Illinois avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.84% above avgNationally 2.13%
Details
Balance: $50,000.00 and over
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 3 times
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
Certificate of Deposit - 3 months
$0
3.40%
▲ 1.81% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.81% above avgNationally 2.13%
Details
Compounding: Monthly 3.45%; Quarterly 3.44%
Rate History
2 changes since Sep 14, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
- Oct 14, 20263.40%▼ from 3.45%
- Oct 8, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.40%
▲ 1.81% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.81% above avgNationally 2.13%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
3 Month Certificates of Deposit
$0
3.34%
▲ 1.75% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.75% above avgNationally 2.13%
Details
Rate History
No change since Sep 19, 2026 · 3.34% APY · checked 5 times
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
Certificates of Deposit - 3 Months
$0
3.34%
▲ 1.75% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.75% above avgNationally 2.13%
Details
Rate History
No change since Sep 19, 2026 · 3.34% APY · checked 7 times
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
Certificate of Deposit - 3 Month
$500
3.30%
▲ 1.71% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.71% above avgNationally 2.13%
Details
Compounding: Monthly
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month CD / IRA
$0
3.25%
▲ 1.66% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details
Balance: $100,000
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month Certificate of Deposit
$0
3.25%
▲ 1.66% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details
Minimum Balance: $100,000
Rate History
2 changes since Sep 24, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 21, 20263.25%▲ from 3.05%
- Oct 7, 20263.05%▲ from 2.95%
- Sep 24, 20262.95%first recorded
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
111 N Church St, Louisville, IL 62858
3 MONTH CD
$500
3.25%
▲ 1.66% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details
Minimum To Avoid Fees: 500
Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 7 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.25%
▲ 1.66% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 25, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
Certificates of Deposit - 3 Month
$1,000
3.15%
▲ 1.56% above Illinois avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.56% above avgNationally 2.13%
Details
Rate History
No change since Oct 21, 2026 · 3.15% APY
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month IRA Certificate
$0
3.10%
▲ 1.51% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details
Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Jumbo IRA Certificate
$0
3.10%
▲ 1.51% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details
Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Jumbo Share Certificate
$0
3.10%
▲ 1.51% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month Share Certificate
$0
3.10%
▲ 1.51% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 4 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3130 E Mound Rd, Decatur, IL 62526
3 Month Share Certificates
$0
3.07%
▲ 1.48% above Illinois avg
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.48% above avgNationally 2.13%
Details
Balance: $1,000.00 - $49,999.99
Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 3 times
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
CD - 3 Months
$1,000
3.05%
▲ 1.46% above Illinois avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.46% above avgNationally 2.13%
Details
Rate History
No change since Sep 11, 2026 · 3.05% APY · checked 7 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month CD
$0
3.05%
▲ 1.46% above Illinois avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.46% above avgNationally 2.13%
Details
Minimum Balance: $10,000
Rate History
1 change since Sep 24, 2026 · 3.25% → 3.05% ▼ 0.20 pts · high 3.25% / low 3.05%
- Oct 21, 20263.05%▼ from 3.25%
- Sep 24, 20263.25%first recorded
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
400 E Buchanan St, Ashland, IL 62612
91 Day CD (3 Months)
$0
3.03%
▲ 1.44% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.44% above avgNationally 2.13%
Details
Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 6 times
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.00%
▲ 1.41% above Illinois avg
▼
Rate2.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details
Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
102 S East Ave, Ogden, IL 61859
3-month CD
$0
3.00%
▲ 1.41% above Illinois avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details
Rate History
1 change since Sep 20, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Oct 22, 20263.00%▲ from 2.75%
- Sep 20, 20262.75%first recorded
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1730 4th St, Peru, IL 61354
Certificate of Deposit - 3 Month
$1,000
3.00%
▲ 1.41% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details
Effective Date: September 1, 2026; Interest paid monthly; No minimum balance to earn APY
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
90 Day Certificate of Deposit
$1,000
3.00%
▲ 1.41% above Illinois avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
110 E Main St, Stewardson, IL 62463
Certificates Of Deposit - 3 Months
$1,000
2.98%
▲ 1.39% above Illinois avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.39% above avgNationally 2.13%
Details
Rate History
No change since Sep 20, 2026 · 2.98% APY · checked 7 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
3 Month Certificate of Deposit
$0
2.95%
▲ 1.36% above Illinois avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details
Balance: $500; Rates effective as of 10/15/2026
Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 4 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
CD / IRA - 3 Months (91 Days)
$0
2.95%
▲ 1.36% above Illinois avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details
Rates effective as of 10/15/26
Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 3 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts - 3 Months
$100,000
2.95%
▲ 1.36% above Illinois avg
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
- Oct 10, 20262.95%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo HSA Certificate - 3 MONTHS
$100,000
2.95%
▲ 1.36% above Illinois avg
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
- Oct 10, 20262.95%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Certificate Accounts - 3 MONTHS
$1,000
2.90%
▲ 1.31% above Illinois avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.31% above avgNationally 2.13%
Details
Minimum to open $1,000
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts - 3 MONTHS
$1,000
2.90%
▲ 1.31% above Illinois avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.31% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
- Oct 10, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$100,000
2.80%
▲ 1.21% above Illinois avg
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.21% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit - 3 Month
$0
2.78%
▲ 1.19% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.19% above avgNationally 2.13%
Details
Rate History
No change since Oct 19, 2026 · 2.78% APY · checked 2 times
Illinois 6 Month CD Rates
MonitorBankRates Illinois Average · 6 Month CD2.31% APYUnchanged from last weekNational 2.78%
The average 6-month CD rate in Illinois is 2.31% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
6 Month Certificate of Deposit
$1,000
4.36%
▲ 2.05% above Illinois avg
▼
Rate4.32%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 2.05% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 3 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
- Oct 7, 20264.36%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
4400 16th St, Moline, IL 61265
6-Month CD Special
$5
4.25%
▲ 1.94% above Illinois avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details
Auto-renews into a 6-month certificate at the current rate at maturity; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 7 times
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
CD Special - 6 Months
$1,000
4.25%
▲ 1.94% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details
Promotional CD special; Call or stop in for full details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 9 times
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1201 Clifford Ave, Loves Park, IL 61111
Certificates (CDs) - Promotional 6 Month
$1,000
4.25%
▲ 1.94% above Illinois avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details
Effective Date: October 16, 2026; Nonrenewable
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 6 Months
$500
4.24%
▲ 1.93% above Illinois avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.93% above avgNationally 2.78%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
4.15%
▲ 1.84% above Illinois avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.84% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
6-Month CD
$1,000
4.15%
▲ 1.84% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.84% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15%
- Oct 22, 20264.15%▼ from 4.40%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
6 Month Term Share Certificate
$0
4.11%
▲ 1.80% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details
Balance: $50,000.00 and over
Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 4 times
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate - 6 Months
$0
4.11%
▲ 1.80% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details
Balance: $50,000 +
Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 4 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 Month Share Certificate
$500
4.10%
▲ 1.79% above Illinois avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▲ 1.79% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.79% above Illinois avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
6-MO CD Special
$1,000
4.04%
▲ 1.73% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.73% above avgNationally 2.78%
Details
Balance: $1,000 minimum daily balance to obtain APY; Special for customers with an INB loan or INB checking account with monthly direct deposit; 90 days interest early withdrawal penalty; Matures in 6 months, renews at 6-month term
Rate History
2 changes since Sep 18, 2026 · 3.43% → 4.04% ▲ 0.61 pts · high 4.04% / low 3.43%
- Oct 14, 20264.04%▲ from 3.71%
- Oct 7, 20263.71%▲ from 3.43%
- Sep 18, 20263.43%first recorded
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (6 Month Special)
$1,000
4.04%
▲ 1.73% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.73% above avgNationally 2.78%
Details
Minimum Balance to Obtain Annual Percentage Yield: $1,000.00
Rate History
1 change since Oct 7, 2026 · 3.71% → 4.04% ▲ 0.33 pts · high 4.04% / low 3.71%
- Oct 14, 20264.04%▲ from 3.71%
- Oct 7, 20263.71%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02%
▲ 1.71% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.71% above avgNationally 2.78%
Details
70th Anniversary Special
Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 2 times
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
6 Month Term Share Certificate
$0
4.01%
▲ 1.70% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 4 times
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate - 6 Months
$0
4.01%
▲ 1.70% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details
Balance: $500.00 - $49,999.99
Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 4 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
4.00%
▲ 1.69% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- Sep 24, 20264.00%▲ from 3.56%
- Sep 14, 20263.56%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
6 Month Certificates of Deposit (CD)
$2,500
4.00%
▲ 1.69% above Illinois avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 6 Months
$1,000
4.00%
▲ 1.69% above Illinois avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 4.00% APY
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL 60031
Certificate Accounts - 6 Month
$1,000
4.00%
▲ 1.69% above Illinois avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details
Rates effective as of 9/18/2026; Minimum Deposit = $1,000; dividend rate fixed for the term
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 4 times
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
6 Month Share Certificate
$1,000
4.00%
▲ 1.69% above Illinois avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details
Early withdrawal penalty: 90 day dividend
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 6 Month
$0
3.95%
▲ 1.64% above Illinois avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity
Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 6 Months
$0
3.95%
▲ 1.64% above Illinois avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details
Rates effective as of 10/23/2026; NCUA-insured; Certificate rate fixed upon opening; Dividend 3.910%
Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.95%
▲ 1.64% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Sep 25, 20263.95%▲ from 3.70%
- Sep 18, 20263.70%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
6 Month Certificate of Deposit - Diamond
$500
3.92%
▲ 1.61% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.92% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
Certificate of Deposits (CDs) 6 Months - Diamond
$500
3.92%
▲ 1.61% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 3.92% APY · checked 2 times
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
103 3rd St, Savanna, IL 61074
Share Certificate - 6 Months
$0
3.92%
▲ 1.61% above Illinois avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details
Dividend Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 10 times
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.90%
▲ 1.59% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.59% above avgNationally 2.78%
Details
Featured share certificate rate; up to 3.90% APY
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 10, 20263.90%▲ from 3.75%
- Sep 14, 20263.75%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
6 Month Certificate of Deposit - Platinum
$500
3.87%
▲ 1.56% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.56% above avgNationally 2.78%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
Certificate of Deposits (CDs) 6 Months - Platinum
$500
3.87%
▲ 1.56% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.56% above avgNationally 2.78%
Details
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 3.87% APY · checked 2 times
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL 61081 7626
6 Month Certificates of Deposit
$1,000
3.85%
▲ 1.54% above Illinois avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.54% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
6 Month Share Certificate
$1,000
3.84%
▲ 1.53% above Illinois avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.53% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.84% APY · checked 5 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
6-Month & 13-Month CD Special - 13-MO
$1,000
3.83%
▲ 1.52% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.52% above avgNationally 2.78%
Details
Balance: $1,000 minimum each day to obtain APY; no additional deposits allowed; early withdrawal penalty 180 days of interest; renews at 12-month term at standard rates
Rate History
2 changes since Sep 18, 2026 · 3.50% → 3.83% ▲ 0.33 pts · high 3.83% / low 3.50%
- Oct 14, 20263.83%▲ from 3.74%
- Oct 7, 20263.74%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
101 W Main St, Joy, IL 61260
Fixed Rate CD - 6 Month
$1,000
3.82%
▲ 1.51% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details
Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month Certificate of Deposit
$0
3.82%
▲ 1.51% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details
Rate History
No change since Oct 20, 2026 · 3.82% APY · checked 2 times
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
6 Month Certificate Account
$0
3.81%
▲ 1.50% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 15, 20263.81%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
6-Month Certificate
$500
3.81%
▲ 1.50% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details
Up to APY; No monthly fee; Federally insured by the NCUA
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
- Oct 5, 20263.81%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
Certificate - 6 months
$0
3.81%
▲ 1.50% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 2 times
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL 60638
6 mos. Share Certificate
$10,000
3.81%
▲ 1.50% above Illinois avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details
Withdrawals made prior to maturity are subject to a loss of 90 days dividend
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 6 Mo.
$0
3.80%
▲ 1.49% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details
Quarterly Compound
Rate History
1 change since Sep 11, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 11, 20263.80%▲ from 3.50%
- Sep 11, 20263.50%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.80%
▲ 1.49% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Sep 25, 20263.80%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Individual Retirement Accounts - 6 month CD
$500
3.80%
▲ 1.49% above Illinois avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Oct 19, 2026 · 3.80% APY
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 6 month CD
$500
3.80%
▲ 1.49% above Illinois avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
100 E Olive St, Chestnut, IL 62518
Certificate Specials - 6-month CD
$5,000
3.79%
▲ 1.48% above Illinois avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.48% above avgNationally 2.78%
Details
Interest paid at maturity (Renewable)
Rate History
No change since Oct 22, 2026 · 3.79% APY
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
602 S Gridley St, Bloomington, IL 61701 5227
Share Certificate - 6 months
$0
3.76%
▲ 1.45% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details
Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly
Rate History
No change since Oct 22, 2026 · 3.76% APY
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificate - 6 Month Renewal
$0
3.76%
▲ 1.45% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details
Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly
Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 3 times
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
6 Month Certificate of Deposit
$1,000
3.75%
▲ 1.44% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details
Compounding: Paid at Maturity; Early Withdrawal Penalty: 90 days of Interest
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
145 E 5th Ave, Clifton, IL 60927
Certificate of Deposit - 6 Month
$1,000
3.75%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details
Effective: July 1, 2026
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 6 Months
$0
3.75%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 5, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Illinois 12 Month CD Rates
MonitorBankRates Illinois Average · 12 Month CD2.56% APY▲ 0.02% from last weekNational 2.99%
The average 12-month CD rate in Illinois is 2.56% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 2.44% above Illinois avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 2.44% above avgNationally 2.99%
Details
Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening
Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.60%
▲ 2.04% above Illinois avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 2.04% above avgNationally 2.99%
Details
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.50%
▲ 1.94% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details
Featured rate; Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
800 S 42ND ST, Mount Vernon, IL 62864
IRA Certificate - 12 Month
$0
4.50%
▲ 1.94% above Illinois avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details
Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA
Rate History
No change since Oct 19, 2026 · 4.50% APY
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
800 S 42ND ST, Mount Vernon, IL 62864
Standard Certificate - 12 Month
$0
4.50%
▲ 1.94% above Illinois avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details
Effective Date: 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.50% APY
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
CD Special - 12 Months
$1,000
4.40%
▲ 1.84% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details
Promotional CD special; Call or stop in for full details
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 1 Year
$0
4.40%
▲ 1.84% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details
Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 12 Month
$0
4.40%
▲ 1.84% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details
Balance: $500 Minimum; Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 12 Months
$500
4.39%
▲ 1.83% above Illinois avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.83% above avgNationally 2.99%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.79% above Illinois avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Jumbo IRA Certificate
$0
4.35%
▲ 1.79% above Illinois avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details
Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
1 change since Sep 30, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 20, 20264.35%▲ from 4.15%
- Sep 30, 20264.15%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Jumbo Share Certificate
$0
4.35%
▲ 1.79% above Illinois avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details
Balance: $75,000+
Rate History
1 change since Sep 30, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 20, 20264.35%▲ from 4.15%
- Sep 30, 20264.15%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL 60638
12 mos. Share Certificate
$10,000
4.33%
▲ 1.77% above Illinois avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.77% above avgNationally 2.99%
Details
Withdrawals made prior to maturity are subject to a loss of 120 days dividend
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month IRA Certificate
$0
4.30%
▲ 1.74% above Illinois avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details
Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
1 change since Oct 6, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 20, 20264.30%▲ from 4.10%
- Oct 6, 20264.10%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Share Certificate
$0
4.30%
▲ 1.74% above Illinois avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details
Balance: $1,000$74,999
Rate History
1 change since Oct 6, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 20, 20264.30%▲ from 4.10%
- Oct 6, 20264.10%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30%
▲ 1.74% above Illinois avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.30% APY
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.25%
▲ 1.69% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.69% above avgNationally 2.99%
Details
Current CD special; new money deposits only; fixed rate for the full 12-month term; limited time offer; interest paid monthly via ACH or added back at maturity; call for rates on additional minimum balances
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 7, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
12 Month Special Certificates of Deposit
$10,000
4.25%
▲ 1.69% above Illinois avg
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.69% above avgNationally 2.99%
Details
Compound Method: Quarterly
Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
- Oct 7, 20264.25%▼ from 4.60%
- Oct 2, 20264.60%▲ from 4.00%
- Sep 19, 20264.00%first recorded
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 1 Year
$10,000
4.22%
▲ 1.66% above Illinois avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.66% above avgNationally 2.99%
Details
Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply
Rate History
No change since Oct 20, 2026 · 4.22% APY
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
Certificates of Deposit (CDs) - 12-Month
$1,000
4.18%
▲ 1.62% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.62% above avgNationally 2.99%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
4.15%
▲ 1.59% above Illinois avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.59% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
1 Year Certificate of Deposit
$0
4.15%
▲ 1.59% above Illinois avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.59% above avgNationally 2.99%
Details
Balance: $20,000 +; Interest paid or Compounded Quarterly; Simple Interest Rate 4.09%; Substantial penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 0.40% → 4.15% ▲ 3.75 pts · high 4.15% / low 0.40%
- Oct 22, 20264.15%▲ from 4.00%
- Oct 14, 20264.00%▲ from 0.40%
- Sep 14, 20260.40%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
1 Year Certificate of Deposit
$1,000
4.12%
▲ 1.56% above Illinois avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.56% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 3 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.31% → 4.12% ▲ 0.81 pts · high 4.12% / low 3.31%
- Oct 7, 20264.12%▲ from 3.31%
- Sep 14, 20263.31%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month Short-Term Certificate
$0
4.10%
▲ 1.54% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3301 Vollmer Rd, Flossmoor, IL 60422
12 Month Promo CD Special
$0
4.10%
▲ 1.54% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details
Open in Minutes; Rates may vary by zip code
Rate History
No change since Oct 22, 2026 · 4.10% APY
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
12 Month CD
$0
4.10%
▲ 1.54% above Illinois avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 2.31%
- Sep 18, 20262.31%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
1 Year Share Certificate
$500
4.10%
▲ 1.54% above Illinois avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details
Early withdrawal penalty: 180 day dividend
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 9, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate of Deposit
$0
4.08%
▲ 1.52% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.52% above avgNationally 2.99%
Details
Rate History
1 change since Sep 20, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 3, 20264.08%▲ from 3.82%
- Sep 20, 20263.82%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
Certificate of Deposit - 12 month
$0
4.08%
▲ 1.52% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.52% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate - 12 Month
$0
4.07%
▲ 1.51% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.51% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.07% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 12 Month
$0
4.07%
▲ 1.51% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.51% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
- Oct 15, 20264.07%▲ from 4.02%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL 61008 9302
Certificate - 1 Year
$0
4.06%
▲ 1.50% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.50% above avgNationally 2.99%
Details
Mini Investment: $50,000; Effective Date: November 25th, 2024
Rate History
No change since Oct 19, 2026 · 4.06% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month Short-Term Certificate
$0
4.05%
▲ 1.49% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
12 Month Certificates of Deposit (CD)
$2,500
4.05%
▲ 1.49% above Illinois avg
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 12 Months
$1,000
4.05%
▲ 1.49% above Illinois avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 4.05% APY
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
4.05%
▲ 1.49% above Illinois avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12330 S Harlem Ave, Palos Heights, IL 60463
Certificate of Deposits & IRA Specials - 12 Month Special
$0
4.05%
▲ 1.49% above Illinois avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Balance: $75,000.00 - $250,000.00
Rate History
No change since Oct 21, 2026 · 4.05% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.49% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 25, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
12 Month Certificate of Deposit
$1,000
4.01%
▲ 1.45% above Illinois avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.45% above avgNationally 2.99%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
- Oct 11, 20264.01%▲ from 3.80%
- Oct 7, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
12 Month EasyStart Certificate
$50
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 12 Mo.
$0
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 11, 20264.00%▲ from 3.90%
- Sep 24, 20263.90%▲ from 3.60%
- Sep 11, 20263.60%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
12 Month CD / IRA
$0
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Balance: $100,000
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
12 Month Certificate of Deposit
$0
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Minimum Balance: $100,000
Rate History
2 changes since Sep 24, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 21, 20264.00%▲ from 3.80%
- Oct 7, 20263.80%▲ from 3.70%
- Sep 24, 20263.70%first recorded
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
300 E Northwest Hwy, Palatine, IL 60067
Certificates of Deposit - 1 Year
$2,500
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
All rates available on both new and renewal accounts
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 1 Year
$0
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 12 months
$0
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
IRA Certificate; NCUA-insured; Rates effective as of 10/23/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 Month Share Certificate
$500
4.00%
▲ 1.44% above Illinois avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Balance: $500 - $20,000
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 8 times
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
4502 27th St Ste K, Moline, IL 61265
12-Month Certificate
$0
4.00%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Homepage featured certificate; Call for details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
Certificate of Deposit - 12 month
$500
4.00%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Compounding and crediting: Maturity
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
4.00%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details
Featured share certificate rate; up to 4.00% APY
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 10, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Illinois 18 Month CD Rates
MonitorBankRates Illinois Average · 18 Month CD2.44% APY▲ 0.03% from last weekNational 2.88%
The average 18-month CD rate in Illinois is 2.44% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 2.18% above Illinois avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 2.18% above avgNationally 2.88%
Details
Rate changes quarterly; Quarterly compounding; $100.00 minimum additions permitted; IRA fund also permitted
Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
- Oct 3, 20264.62%▲ from 4.04%
- Sep 24, 20264.04%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
327 Missouri Ave # 333, East St Louis, IL 62201
Special Variable Rate IRA 18 Months
$1,000
4.54%
▲ 2.10% above Illinois avg
▼
Rate4.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 2.10% above avgNationally 2.88%
Details
Compound Method: Calculated Daily, Compounded Semi-annually; This rate is variable during the term; Penalties may apply for early withdrawals on IRAs
Rate History
No change since Oct 20, 2026 · 4.54% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.45%
▲ 2.01% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 2.01% above avgNationally 2.88%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 18 Month
$0
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 18 Month
$0
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Balance: $500 Minimum; Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
CD Special - 18 Months
$1,000
4.35%
▲ 1.91% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details
Promotional CD special; Call or stop in for full details
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 20, 20264.35%▲ from 4.25%
- Oct 7, 20264.25%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
126 N Grand Ave, Cowden, IL 62422
18-Month CD
$1,000
4.35%
▲ 1.91% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
Certificate of Deposit - 18 months
$1,000
4.32%
▲ 1.88% above Illinois avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 21, 20264.32%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
18 Month CD
$0
4.30%
▲ 1.86% above Illinois avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.86% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.83% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.83% above avgNationally 2.88%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$0
4.27%
▲ 1.83% above Illinois avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.83% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
IRA Special JUMBO - 18 Month or 24 Month or 30 Month
$50,000
4.25%
▲ 1.81% above Illinois avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details
Special Term IRA Rates; Jumbo
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
694 Bainbridge St, Barry, IL 62312
Certificates of Deposit (CDs) - 18 Months
$0
4.25%
▲ 1.81% above Illinois avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details
Balance: $5,000 and over
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Ascentra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3005 7th St, Moline, IL 61265 5925
Certificate - 18 Months
$500
4.25%
▲ 1.81% above Illinois avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 0.70% → 4.25% ▲ 3.55 pts · high 4.25% / low 0.70%
- Oct 19, 20264.25%▲ from 0.70%
- Sep 14, 20260.70%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
4.17%
▲ 1.73% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.73% above avgNationally 2.88%
Details
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
18 Month Short-Term Certificate
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3301 Vollmer Rd, Flossmoor, IL 60422
18 Month Promo CD Special
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.15% APY
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
18 Month CD
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rates accurate as of October 5, 2026
Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
- Oct 7, 20264.15%▲ from 3.05%
- Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
18 Month IRA
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
- Oct 7, 20264.15%▲ from 3.05%
- Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
IRA Special - 18 Month or 24 Month or 30 Month
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Special Term IRA Rates
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
Specials: Pick Your Term 18 Month or 24 Month or 30 Month
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Term: 18 months or 24 months or 30 months; Special Term CD; Rates accurate as of October 5, 2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
18 Month Short-Term Certificate
$0
4.10%
▲ 1.66% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.66% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
4.08%
▲ 1.64% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46%
- Oct 3, 20264.08%▲ from 3.46%
- Sep 20, 20263.46%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
Certificate of Deposit - 18 month
$0
4.08%
▲ 1.64% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 2 times
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
IRA 18 Month Certificate
$100
4.07%
▲ 1.63% above Illinois avg
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 Month Interest; IRA CDs are only available to consumers
Rate History
No change since Oct 21, 2026 · 4.07% APY
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
IRA 18 Months
$100
4.07%
▲ 1.63% above Illinois avg
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details
IRA CD; Early withdrawal penalty: 6 Month Interest
Rate History
No change since Oct 11, 2026 · 4.07% APY · checked 2 times
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
Certificates of Deposit (CDs) - 18-Month
$1,000
4.07%
▲ 1.63% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
18 Month Certificate of Deposit
$1,000
4.06%
▲ 1.62% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Oct 11, 20264.06%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
301 S Main St, Pleasant Hill, IL 62366
18 Month Certificate of Deposit
$1,000
4.06%
▲ 1.62% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
- Oct 11, 20264.06%▲ from 3.03%
- Sep 11, 20263.03%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
18 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.60% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.60% above avgNationally 2.88%
Details
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate
Rate History
2 changes since Sep 18, 2026 · 3.43% → 4.04% ▲ 0.61 pts · high 4.29% / low 3.43%
- Oct 20, 20264.04%▼ from 4.29%
- Sep 24, 20264.29%▲ from 3.43%
- Sep 18, 20263.43%first recorded
Citizens National Bank of Albion
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
101 West Main Street, Mount Erie, IL 62446
18 Months Certificates
$1,000
4.04%
▲ 1.60% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.60% above avgNationally 2.88%
Details
Effective as of September 22, 2026; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.04% APY · checked 2 times
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
4.03%
▲ 1.59% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details
Featured share certificate rate; up to 4.03% APY
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90%
- Oct 10, 20264.03%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
100 E Olive St, Chestnut, IL 62518
18-Month CD
$500
4.03%
▲ 1.59% above Illinois avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details
Interest paid semi-annually
Rate History
No change since Oct 22, 2026 · 4.03% APY
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
100 E Olive St, Chestnut, IL 62518
IRA 18-Month Fixed
$500
4.03%
▲ 1.59% above Illinois avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details
Individual Retirement Account (IRA) certificate
Rate History
No change since Oct 22, 2026 · 4.03% APY
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
4.00%
▲ 1.56% above Illinois avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 23, 20264.00%▲ from 3.80%
- Sep 20, 20263.80%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
4.00%
▲ 1.56% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 25, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 18 Months
$0
3.98%
▲ 1.54% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.54% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 18 Months
$0
3.98%
▲ 1.54% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.54% above avgNationally 2.88%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificate - 18 Month Renewal
$0
3.87%
▲ 1.43% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.43% above avgNationally 2.88%
Details
Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 18 month CD
$500
3.85%
▲ 1.41% above Illinois avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.41% above avgNationally 2.88%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
Certificate of Deposit - 18 Month
$500
3.82%
▲ 1.38% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.38% above avgNationally 2.88%
Details
Compounding: Monthly
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
18 Month Certificates of Deposit (CD)
$2,500
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Sep 24, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 18 Months
$1,000
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 3.80% APY
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
Certificate of Deposit - 18 Months
$1,000
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
18 Month Variable IRA
$500
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Compounding: Quarterly
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.80% ▲ 0.41 pts · high 3.80% / low 3.39%
- Oct 8, 20263.80%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL 60014
18 Month CD Specials - Regular
$0
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL 60014
18 Month CD Specials - Rewards
$0
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL 60014
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Illinois 24 Month CD Rates
MonitorBankRates Illinois Average · 24 Month CD2.48% APY▲ 0.01% from last weekNational 2.90%
The average 24-month CD rate in Illinois is 2.48% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
24-Month IRA
$0
4.81%
▲ 2.33% above Illinois avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 2.33% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 24 Months
$500
4.55%
▲ 2.07% above Illinois avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 2.07% above avgNationally 2.90%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
242 Wall St, East Dubuque, IL 61025
24 Month CD
$0
4.50%
▲ 2.02% above Illinois avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 2.02% above avgNationally 2.90%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
2 Year Certificate of Deposit
$1,000
4.43%
▲ 1.95% above Illinois avg
▼
Rate4.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.95% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.26% → 4.43% ▲ 1.17 pts · high 4.43% / low 3.26%
- Oct 7, 20264.43%▲ from 3.26%
- Sep 14, 20263.26%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
227 S Superior St, Ramsey, IL 62080
Certificate of Deposit - 24 months
$1,000
4.42%
▲ 1.94% above Illinois avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.94% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
- Oct 21, 20264.42%▲ from 4.16%
- Sep 14, 20264.16%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
550 W Meadows Dr, Freeport, IL 61032 7610
24 Month Personal CD & IRA CD
$1,000
4.40%
▲ 1.92% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.92% above avgNationally 2.90%
Details
Balance: $1,000+
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
- Oct 9, 20264.40%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
550 W Meadows Dr, Freeport, IL 61032 7610
Personal CD & IRA CD - 24-Month
$100,000
4.40%
▲ 1.92% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.92% above avgNationally 2.90%
Details
Balance tier: $100,000+; dividends compounded daily and paid quarterly; penalty for early withdrawals on original deposit amount
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
- Oct 9, 20264.40%▲ from 3.70%
- Sep 14, 20263.70%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
24-month CD
$1,000
4.35%
▲ 1.87% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate of Deposit - Diamond
$500
4.35%
▲ 1.87% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
Certificate of Deposits (CDs) 24 Months - Diamond
$500
4.35%
▲ 1.87% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate of Deposit - Platinum
$500
4.30%
▲ 1.82% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
Certificate of Deposits (CDs) 24 Months - Platinum
$500
4.30%
▲ 1.82% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.30%
▲ 1.82% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 25, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 24 Month
$0
4.30%
▲ 1.82% above Illinois avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details
Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 24 Month
$0
4.30%
▲ 1.82% above Illinois avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details
Balance: $500 Minimum; Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3301 Vollmer Rd, Flossmoor, IL 60422
24 Month CD/IRA Special
$0
4.25%
▲ 1.77% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details
24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3301 Vollmer Rd, Flossmoor, IL 60422
24 Month Promo CD Special
$0
4.25%
▲ 1.77% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details
APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.25% APY
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$0
4.25%
▲ 1.77% above Illinois avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details
Balance: $20,000 +; Interest paid or compounded quarterly
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate Jumbo
$100,000
4.25%
▲ 1.77% above Illinois avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details
Jumbo; Early withdrawal penalty: 180 day dividend
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 9, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25%
▲ 1.77% above Illinois avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.25% APY
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
2 Year Share Certificate
$500
4.20%
▲ 1.72% above Illinois avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.72% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 day dividend
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
CD Special - 24 Months
$1,000
4.19%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.71% above avgNationally 2.90%
Details
Promotional CD special; Call or stop in for full details
Rate History
1 change since Oct 7, 2026 · 4.25% → 4.19% ▼ 0.06 pts · high 4.25% / low 4.19%
- Oct 20, 20264.19%▼ from 4.25%
- Oct 7, 20264.25%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate Certificate
$0
4.17%
▲ 1.69% above Illinois avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details
Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY
Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
- Oct 10, 20264.17%▲ from 3.87%
- Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate HSA Certificate
$0
4.17%
▲ 1.69% above Illinois avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details
Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
- Oct 10, 20264.17%▲ from 3.87%
- Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
24 Month Variable Rate IRA Certificate (Roth, Traditional, Education)
$0
4.17%
▲ 1.69% above Illinois avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details
Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY
Rate History
No change since Oct 19, 2026 · 4.17% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
24 Month Certificate of Deposit
$500
4.15%
▲ 1.67% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
3730 18th Ave, Rock Island, IL 61201
Certificate of Deposits (CDs) 24 Months
$500
4.15%
▲ 1.67% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details
Base APY; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
24 Month CD (2 year)
$1,000
4.15%
▲ 1.67% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details
Rates accurate as of October 5, 2026
Rate History
1 change since Sep 7, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
- Oct 7, 20264.15%▲ from 0.25%
- Sep 7, 20260.25%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
807 S Main St, Hillsboro, IL 62049
24 Month IRA (2 year)
$1,000
4.15%
▲ 1.67% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
- Oct 7, 20264.15%▲ from 0.25%
- Sep 19, 20260.25%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.15%
▲ 1.67% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 25, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
24 Month Certificates of Deposit (CDs)
$1,000
4.14%
▲ 1.66% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.66% above avgNationally 2.90%
Details
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate
Rate History
2 changes since Sep 18, 2026 · 3.54% → 4.14% ▲ 0.60 pts · high 4.29% / low 3.54%
- Oct 20, 20264.14%▼ from 4.29%
- Sep 24, 20264.29%▲ from 3.54%
- Sep 18, 20263.54%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate - 24 Month
$0
4.12%
▲ 1.64% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.64% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 1.64% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.64% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 2 Year
$10,000
4.11%
▲ 1.63% above Illinois avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.63% above avgNationally 2.90%
Details
Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply
Rate History
No change since Oct 20, 2026 · 4.11% APY
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 S Locust St, Delavan, IL 61734
FunTimers CD - 24 Month
$2,500
4.10%
▲ 1.62% above Illinois avg
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details
Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
301 S Locust St, Delavan, IL 61734
Standard Certificate of Deposit - 24 Month
$2,500
4.10%
▲ 1.62% above Illinois avg
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details
Interest penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
204 Main St, Graymont, IL 61743
24 Month CD
$1,000
4.10%
▲ 1.62% above Illinois avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.10% ▲ 0.85 pts · high 4.10% / low 3.25%
- Oct 23, 20264.10%▲ from 3.65%
- Sep 20, 20263.65%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 24 Months
$0
4.08%
▲ 1.60% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 24 Months
$0
4.08%
▲ 1.60% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
- Oct 22, 20264.08%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
100 E Olive St, Chestnut, IL 62518
24-Month CD
$500
4.08%
▲ 1.60% above Illinois avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details
Interest paid semi-annually
Rate History
No change since Oct 22, 2026 · 4.08% APY
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
Certificates of Deposit (CDs) - 24-Month
$1,000
4.07%
▲ 1.59% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.59% above avgNationally 2.90%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
24 Month Certificate of Deposit
$1,000
4.06%
▲ 1.58% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.58% above avgNationally 2.90%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
- Oct 11, 20264.06%▲ from 3.65%
- Oct 7, 20263.65%first recorded
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
2 1/2 Year Certificate of Deposit
$0
4.05%
▲ 1.57% above Illinois avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.57% above avgNationally 2.90%
Details
Balance: $5,000 - $20,000; Interest paid or compounded quarterly
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 24 Mo.
$0
4.00%
▲ 1.52% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 11, 20264.00%▲ from 3.60%
- Sep 24, 20263.60%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Individual Retirement Accounts - 24 month CD
$500
4.00%
▲ 1.52% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Oct 19, 2026 · 4.00% APY
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 24 month CD
$500
4.00%
▲ 1.52% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1151 E Warrenville Rd, Naperville, IL 60563 9339
2 Year Certificates
$0
4.00%
▲ 1.52% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details
Balance: $25,000+; Compounded monthly; paid monthly
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 4 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month Certificate
$0
3.97%
▲ 1.49% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.49% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 14, 2026 · 3.80% → 3.97% ▲ 0.17 pts · high 3.97% / low 3.80%
- Oct 23, 20263.97%▲ from 3.86%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificate 24 Month
$0
3.97%
▲ 1.49% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.49% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.97% APY
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.1 ★Texas Ratio: 38.34%
9 E Main St, Mascoutah, IL 62258
Certificate of Deposit - 24 Months
$500
3.96%
▲ 1.48% above Illinois avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.48% above avgNationally 2.90%
Details
Interest credited/compounded: Quarterly; Grace days: 10; Early withdrawal penalty: 3 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.96% ▲ 0.67 pts · high 3.96% / low 3.29%
- Oct 22, 20263.96%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Illinois 36 Month CD Rates
MonitorBankRates Illinois Average · 36 Month CD2.38% APY▲ 0.01% from last weekNational 2.81%
The average 36-month CD rate in Illinois is 2.38% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 36 Months
$500
4.71%
▲ 2.33% above Illinois avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 2.33% above avgNationally 2.81%
Details
Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
36 Month Share Certificate
$0
4.45%
▲ 2.07% above Illinois avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 2.07% above avgNationally 2.81%
Details
APY = Annual Percentage Yield; Nominal Rate column
Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 3 times
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
521 Ferry Street, Metropolis, IL 62960
36-Month CD
$0
4.40%
▲ 2.02% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 2.02% above avgNationally 2.81%
Details
Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
400 W Broadway, Steeleville, IL 62288
36 Month CD
$0
4.40%
▲ 2.02% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 2.02% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.97% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.97% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
3 Year Certificate of Deposit
$1,000
4.33%
▲ 1.95% above Illinois avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
- Oct 7, 20264.33%▲ from 3.21%
- Sep 14, 20263.21%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
IRA 36 Month Certificate
$100
4.33%
▲ 1.95% above Illinois avg
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 Month Interest; IRA CDs are only available to consumers
Rate History
No change since Oct 21, 2026 · 4.33% APY
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
IRA 36 Months
$100
4.33%
▲ 1.95% above Illinois avg
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details
IRA CD; Early withdrawal penalty: 6 Month Interest
Rate History
No change since Oct 11, 2026 · 4.33% APY · checked 2 times
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
306 S Locust St, Pana, IL 62557
CD Special - 36 Months
$1,000
4.30%
▲ 1.92% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.92% above avgNationally 2.81%
Details
Promotional CD special; Call or stop in for full details
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.82% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 36 Month
$0
4.20%
▲ 1.82% above Illinois avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details
Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 36 Month
$0
4.20%
▲ 1.82% above Illinois avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details
Balance: $500 Minimum; Rates effective as of 10/1/2026
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.80% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.80% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 36 Months
$0
4.18%
▲ 1.80% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.80% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate - 36 Month
$0
4.17%
▲ 1.79% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.79% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.17% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 36 Month
$0
4.17%
▲ 1.79% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.79% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
- Oct 23, 20264.17%▲ from 4.12%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
36 Month Certificate of Deposit
$1,000
4.16%
▲ 1.78% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.78% above avgNationally 2.81%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
- Oct 11, 20264.16%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
3 Year Long-Term Certificate
$0
4.15%
▲ 1.77% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.77% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
3 Year Long-Term Certificate
$0
4.10%
▲ 1.72% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.72% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
321 N 6th St, Petersburg, IL 62675
Certificates of Deposit (CDs) - 36-Month
$1,000
4.07%
▲ 1.69% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.69% above avgNationally 2.81%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
36 Month Certificates of Deposit (CD)
$2,500
4.05%
▲ 1.67% above Illinois avg
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.67% above avgNationally 2.81%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 36 Months
$1,000
4.05%
▲ 1.67% above Illinois avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.67% above avgNationally 2.81%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 4.05% APY
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
36 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.66% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.66% above avgNationally 2.81%
Details
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate
Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Sep 24, 20264.04%▲ from 3.02%
- Sep 18, 20263.02%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month Certificate
$0
4.02%
▲ 1.64% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.64% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Oct 23, 20264.02%▲ from 3.86%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificate 36 Month
$0
4.02%
▲ 1.64% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.64% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.02% APY
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 36 Mo.
$0
4.00%
▲ 1.62% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
- Oct 11, 20264.00%▲ from 3.70%
- Sep 24, 20263.70%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Individual Retirement Accounts - 36 month CD
$500
4.00%
▲ 1.62% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Oct 19, 2026 · 4.00% APY
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 36 month CD
$500
4.00%
▲ 1.62% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00%
▲ 1.62% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.00% APY
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificate - 36 Month Renewal
$0
3.97%
▲ 1.59% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.59% above avgNationally 2.81%
Details
Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly
Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 3 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month Certificate
$0
3.90%
▲ 1.52% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month HSA Certificate
$0
3.90%
▲ 1.52% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
36 Month IRA Certificate (Roth, Traditional, Education)
$0
3.90%
▲ 1.52% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 19, 2026 · 3.90% APY
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
Certificates of Deposit - 36 Month
$1,000
3.87%
▲ 1.49% above Illinois avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 21, 2026 · 3.87% APY
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 3 Year
$10,000
3.85%
▲ 1.47% above Illinois avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.47% above avgNationally 2.81%
Details
Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply
Rate History
No change since Oct 20, 2026 · 3.85% APY
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
Certificate of Deposit - 36 Month
$500
3.82%
▲ 1.44% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate of Deposit
$0
3.82%
▲ 1.44% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 3, 20263.82%▲ from 3.30%
- Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
Certificate of Deposit - 36 month
$0
3.82%
▲ 1.44% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate - 3 Year Certificate
$0
3.81%
▲ 1.43% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.43% above avgNationally 2.81%
Details
Rates effective 10/1/26
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
3 Year Share Certificate
$500
3.80%
▲ 1.42% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.42% above avgNationally 2.81%
Details
Early withdrawal penalty: 180 day dividend
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3919 N University St, Peoria, IL 61614 6938
Traditional Share Certificate - 36 Month
$0
3.76%
▲ 1.38% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.38% above avgNationally 2.81%
Details
Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 3 Years
$0
3.75%
▲ 1.37% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.37% above avgNationally 2.81%
Details
Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly
Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 12, 20263.25%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificates 36 months
$0
3.75%
▲ 1.37% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.37% above avgNationally 2.81%
Details
IRA Certificate; NCUA-insured
Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 12, 20263.25%first recorded
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2712 E Sangamon Ave, Springfield, IL 62702
36 Month Certificate
$0
3.71%
▲ 1.33% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.33% above avgNationally 2.81%
Details
180 day early withdrawal penalty
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
- Oct 19, 20263.71%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Jumbo IRA Certificate
$0
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Jumbo Share Certificate
$0
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
CD - 36 Months
$500
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
- Sep 19, 20263.70%▲ from 3.05%
- Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
IRA Accounts - 3 Years
$500
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
- Sep 24, 20263.70%▲ from 3.05%
- Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
IRA CD - 3 Years
$500
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Effective September 18, 2026; IRA Accounts
Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
- Oct 21, 20263.70%▲ from 3.05%
- Sep 11, 20263.05%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
IRA 36 Month Bump
$2,500
3.70%
▲ 1.32% above Illinois avg
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details
Traditional IRA Bump Rate certificate; rate may be bumped once per renewal period; Interest compounded and credited quarterly
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
Illinois 48 Month CD Rates
MonitorBankRates Illinois Average · 48 Month CD2.42% APY▼ 0.01% from last weekNational 2.81%
The average 48-month CD rate in Illinois is 2.42% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
400 W Broadway, Steeleville, IL 62288
48 Month CD
$0
4.50%
▲ 2.08% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 2.08% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.93% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.93% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
48 Month Certificate of Deposit
$1,000
4.22%
▲ 1.80% above Illinois avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.80% above avgNationally 2.81%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
- Oct 11, 20264.22%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.78% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.78% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.76% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.76% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 48 Months
$0
4.18%
▲ 1.76% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.76% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
48 Month Certificates of Deposit (CD)
$2,500
4.15%
▲ 1.73% above Illinois avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.73% above avgNationally 2.81%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 24, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 48 Months
$1,000
4.15%
▲ 1.73% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.73% above avgNationally 2.81%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 4.15% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate - 48 Month
$0
4.12%
▲ 1.70% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.70% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 48 Month
$0
4.12%
▲ 1.70% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.70% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 23, 20264.12%▲ from 4.07%
- Oct 15, 20264.07%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
4.10%
▲ 1.68% above Illinois avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.68% above avgNationally 2.81%
Details
Balance: $20,000 and over; Interest paid or Compounded Quarterly
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.10% ▲ 0.49 pts · high 4.10% / low 3.61%
- Oct 22, 20264.10%▲ from 3.61%
- Sep 14, 20263.61%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
48 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.62% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.62% above avgNationally 2.81%
Details
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate
Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Sep 24, 20264.04%▲ from 3.02%
- Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 48 Mo.
$0
4.00%
▲ 1.58% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 11, 20264.00%▲ from 3.70%
- Sep 24, 20263.70%▲ from 3.40%
- Sep 11, 20263.40%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month Certificate
$0
4.00%
▲ 1.58% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month HSA Certificate
$0
4.00%
▲ 1.58% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
48 Month IRA Certificate (Roth, Traditional, Education)
$0
4.00%
▲ 1.58% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details
Minimum balance $500
Rate History
No change since Oct 19, 2026 · 4.00% APY
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
Certificates of Deposit - 48 Month
$1,000
3.98%
▲ 1.56% above Illinois avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.56% above avgNationally 2.81%
Details
Rate History
No change since Oct 21, 2026 · 3.98% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month Certificate
$0
3.97%
▲ 1.55% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.55% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
- Oct 23, 20263.97%▲ from 3.81%
- Oct 5, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificate 48 Month
$0
3.97%
▲ 1.55% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.55% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.97% APY
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.91%
▲ 1.49% above Illinois avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.49% above avgNationally 2.81%
Details
Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly
Rate History
1 change since Sep 28, 2026 · 3.41% → 3.91% ▲ 0.50 pts · high 3.91% / low 3.41%
- Oct 22, 20263.91%▲ from 3.41%
- Sep 28, 20263.41%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
Certificate of Deposit - 48 Month
$500
3.87%
▲ 1.45% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.45% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 4 Year
$10,000
3.85%
▲ 1.43% above Illinois avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.43% above avgNationally 2.81%
Details
Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply
Rate History
No change since Oct 20, 2026 · 3.85% APY
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate of Deposit
$0
3.82%
▲ 1.40% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.40% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 3, 20263.82%▲ from 3.30%
- Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
Certificate of Deposit - 48 month
$0
3.82%
▲ 1.40% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate - 4 Year Certificate
$0
3.81%
▲ 1.39% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.39% above avgNationally 2.81%
Details
Rates effective 10/1/26
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
CD - 48 Months
$500
3.80%
▲ 1.38% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.38% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.15% → 3.80% ▲ 0.65 pts · high 3.80% / low 3.15%
- Sep 19, 20263.80%▲ from 3.15%
- Sep 11, 20263.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
4 Year Share Certificate
$500
3.80%
▲ 1.38% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.38% above avgNationally 2.81%
Details
Early withdrawal penalty: 180 day dividend
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
48 Month Certificate of Deposit
$1,000
3.75%
▲ 1.33% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.33% above avgNationally 2.81%
Details
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3950 38th Ave, Moline, IL 61265 6471
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75%
▲ 1.33% above Illinois avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.33% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.75% APY
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
311 N Main St, Monmouth, IL 61462
4 Year Certificate of Deposit
$0
3.74%
▲ 1.32% above Illinois avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.32% above avgNationally 2.81%
Details
Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly
Rate History
1 change since Sep 28, 2026 · 3.25% → 3.74% ▲ 0.49 pts · high 3.74% / low 3.25%
- Oct 22, 20263.74%▲ from 3.25%
- Sep 28, 20263.25%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Jumbo IRA Certificate
$0
3.70%
▲ 1.28% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details
Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Jumbo Share Certificate
$0
3.70%
▲ 1.28% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1309 S Center St, Normal, IL 61761 3458
Share Certificates - 48 month CD
$500
3.70%
▲ 1.28% above Illinois avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details
Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month IRA Certificate
$0
3.65%
▲ 1.23% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details
Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Share Certificate
$0
3.65%
▲ 1.23% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
4400 16th St, Moline, IL 61265
48-Month CD
$5
3.65%
▲ 1.23% above Illinois avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 7 times
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
885 N Illinois Route 3, Waterloo, IL 62298
Certificate of Deposit - 48 Months
$1,000
3.65%
▲ 1.23% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 2 times
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2712 E Sangamon Ave, Springfield, IL 62702
48 Month Certificate
$0
3.61%
▲ 1.19% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.19% above avgNationally 2.81%
Details
180 day early withdrawal penalty
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
- Oct 19, 20263.61%▲ from 3.40%
- Sep 14, 20263.40%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
48 Month Certificates of Deposit
$0
3.60%
▲ 1.18% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 5 times
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
331 S Main St, Clay City, IL 62824
Certificates of Deposit - 48 Months
$0
3.60%
▲ 1.18% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
48 Month CD / IRA
$0
3.60%
▲ 1.18% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
48 Month Certificate of Deposit
$0
3.60%
▲ 1.18% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details
Minimum Balance: $100,000
Rate History
2 changes since Sep 24, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 21, 20263.60%▲ from 3.40%
- Oct 7, 20263.40%▲ from 3.30%
- Sep 24, 20263.30%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Share Certificate
$100,000
3.60%
▲ 1.18% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▲ 1.14% above Illinois avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.14% above avgNationally 2.81%
Details
Balance: $5,000.00 - and up
Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 6 times
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1100 Belt Line Rd, Collinsville, IL 62234 4367
4 Year Share Certificate
$50,000
3.55%
▲ 1.13% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 3 times
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
Certificate of Deposit - 48 month
$500
3.55%
▲ 1.13% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Compounding and crediting: Annually
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
13 Collinsville Ave, East Saint Louis, IL 62201
48 Month Jumbo CD
$50,000
3.55%
▲ 1.13% above Illinois avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts - 48 Months
$100,000
3.55%
▲ 1.13% above Illinois avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo HSA Certificate - 48 MONTHS
$100,000
3.55%
▲ 1.13% above Illinois avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Account - 48 MONTHS
$100,000
3.55%
▲ 1.13% above Illinois avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details
Traditional & Roth IRA Certificate; Dividend Rate 3.49%
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Illinois 60 Month CD Rates
MonitorBankRates Illinois Average · 60 Month CD2.50% APY▲ 0.01% from last weekNational 2.92%
The average 60-month CD rate in Illinois is 2.50% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
687 Lincoln St, Galesburg, IL 61401
60 Month Share Certificate
$0
4.75%
▲ 2.25% above Illinois avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 2.25% above avgNationally 2.92%
Details
APY = Annual Percentage Yield; Nominal Rate column
Rate History
No change since Oct 10, 2026 · 4.75% APY · checked 3 times
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
400 W Broadway, Steeleville, IL 62288
60 Month CD
$0
4.50%
▲ 2.00% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 2.00% above avgNationally 2.92%
Details
Early withdrawal penalty may apply
Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
650 Northwest Hwy, Cary, IL 60013 2073
3 - 60 Month Regular CD
$500
4.50%
▲ 2.00% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 2.00% above avgNationally 2.92%
Details
Standard rates as high as 4.50% APY; flexible 3 to 60-month terms; federally insured by NCUA up to $250,000 per depositor
Rate History
No change since Oct 22, 2026 · 4.50% APY
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
302 W Main St, Clinton, IL 61727
5 Year Certificate of Deposit
$1,000
4.40%
▲ 1.90% above Illinois avg
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.92%
Details
Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.40% ▲ 1.11 pts · high 4.40% / low 3.29%
- Oct 7, 20264.40%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
4.40%
▲ 1.90% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.92%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 25, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
101 W Main St, Mascoutah, IL 62258
60 Month Certificate of Deposit
$1,000
4.27%
▲ 1.77% above Illinois avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.77% above avgNationally 2.92%
Details
Compounding: Quarterly; Early Withdrawal Penalty: 273 days of Interest
Rate History
1 change since Oct 7, 2026 · 3.75% → 4.27% ▲ 0.52 pts · high 4.27% / low 3.75%
- Oct 11, 20264.27%▲ from 3.75%
- Oct 7, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
4.25%
▲ 1.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.92%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 25, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
60 Month Certificates of Deposit (CD)
$2,500
4.20%
▲ 1.70% above Illinois avg
▼
Rate4.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.92%
Details
Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Sep 24, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
1835 1st St, Highland Park, IL 60035
IRA Certificate - 60 Months
$1,000
4.20%
▲ 1.70% above Illinois avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.92%
Details
Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000
Rate History
No change since Oct 20, 2026 · 4.20% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 60 Months
$0
4.18%
▲ 1.68% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.68% above avgNationally 2.92%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 60 Months
$0
4.18%
▲ 1.68% above Illinois avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.68% above avgNationally 2.92%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
100 E College Ave, Greenville, IL 62246
Certificate of Deposit - 60 months
$0
4.15%
▲ 1.65% above Illinois avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.65% above avgNationally 2.92%
Details
Compounding: Monthly 4.23%; Quarterly 4.22%; Semi Annual 4.19%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.23% / low 3.45%
- Oct 14, 20264.15%▼ from 4.23%
- Oct 8, 20264.23%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate - 60 Month
$0
4.12%
▲ 1.62% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.62% above avgNationally 2.92%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates - 60 Month
$0
4.12%
▲ 1.62% above Illinois avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.62% above avgNationally 2.92%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
- Oct 23, 20264.12%▲ from 4.07%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month Certificate
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month HSA Certificate
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details
Minimum balance $500
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
1401 Sheridan Rd, North Chicago, IL 60064 1803
60 Month IRA Certificate (Roth, Traditional, Education)
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details
Minimum balance $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
105 W 1st South St, Wenona, IL 61377
Certificates of Deposit - 60 Month
$1,000
4.08%
▲ 1.58% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.58% above avgNationally 2.92%
Details
Rate History
No change since Oct 21, 2026 · 4.08% APY
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
411 W Main St, Mcnabb, IL 61335
60 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.54% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.54% above avgNationally 2.92%
Details
Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate
Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Sep 24, 20264.04%▲ from 3.02%
- Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
220 E Broadway, Monmouth, IL 61462
Certificate of Deposit - 60 Mo.
$0
4.00%
▲ 1.50% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.50% above avgNationally 2.92%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 11, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.40%
- Sep 11, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month Certificate
$0
3.97%
▲ 1.47% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.47% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.84% → 3.97% ▲ 0.13 pts · high 3.97% / low 3.84%
- Oct 23, 20263.97%▲ from 3.84%
- Sep 14, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificate 60 Month
$0
3.97%
▲ 1.47% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.47% above avgNationally 2.92%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.97% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
5 Year Long-Term Certificate
$0
3.90%
▲ 1.40% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.40% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
203 W Main St, Oblong, IL 62449
Certificate of Deposit - 60 Month
$500
3.87%
▲ 1.37% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.37% above avgNationally 2.92%
Details
Compounding: Monthly
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL 60088
5 Year Long-Term Certificate
$0
3.85%
▲ 1.35% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
260 Front St, Xenia, IL 62899
CD - 60 Months
$500
3.85%
▲ 1.35% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.92%
Details
Rate History
1 change since Sep 11, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
- Sep 19, 20263.85%▲ from 3.30%
- Sep 11, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate of Deposit
$0
3.82%
▲ 1.32% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.32% above avgNationally 2.92%
Details
Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 3, 20263.82%▲ from 3.30%
- Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
101 S Charles St, Beecher City, IL 62414
Certificate of Deposit - 60 month
$0
3.82%
▲ 1.32% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.32% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL 60196
IRA & Share Certificate - 5 Year Certificate
$0
3.81%
▲ 1.31% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.31% above avgNationally 2.92%
Details
Rates effective 10/1/26
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL 61820 7402
5 Year Share Certificate
$500
3.80%
▲ 1.30% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.30% above avgNationally 2.92%
Details
Early withdrawal penalty: 180 day dividend
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 5 Year
$10,000
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply
Rate History
No change since Oct 20, 2026 · 3.75% APY
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
60 Month Certificate of Deposit
$0
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Over $25,000 (Geneseo/Andover); Geneseo/Andover
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
1404 14th Ave, Fulton, IL 61252
Certificate of Deposit - 60 Months
$1,000
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Geneseo/Andover Branch Only; Balance: Under $25,000 (Geneseo/Andover); Rates effective 10/14/2026 - 10/21/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
120 W Saint Louis St, Nashville, IL 62263
60 Month IRA
$0
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Individual Retirement Account
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 20, 20263.75%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
60 Month CD / IRA
$0
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Balance: $100,000
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
114 W 3rd St, Prophetstown, IL 61277
60 Month Certificate of Deposit
$0
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Minimum Balance: $100,000
Rate History
2 changes since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 21, 20263.75%▲ from 3.50%
- Oct 7, 20263.50%▲ from 3.40%
- Sep 24, 20263.40%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
60 Month Certificate of Deposit
$1,000
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
506 Main Street, Lerna, IL 62440
IRA 60 Month
$1,000
3.75%
▲ 1.25% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Traditional IRA certificate; Interest compounded and credited quarterly
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Jumbo Share Certificates
$0
3.75%
▲ 1.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Traditional & Roth IRA Share Certificates
$0
3.75%
▲ 1.25% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details
Balance: $50,000 and over
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Jumbo IRA Certificate
$0
3.70%
▲ 1.20% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.92%
Details
Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Jumbo Share Certificate
$0
3.70%
▲ 1.20% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.92%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
60 Month Roth IRA Certificate
$0
3.66%
▲ 1.16% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details
Balance: $50,000 and over
Rate History
No change since Oct 19, 2026 · 3.66% APY
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
60 Month Term Share Certificate
$0
3.66%
▲ 1.16% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details
Balance: $50,000.00 and over
Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 4 times
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
60 Month Traditional IRA Certificate
$0
3.66%
▲ 1.16% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details
Balance: $50,000 and over
Rate History
No change since Oct 19, 2026 · 3.66% APY
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1175 E Main St, Carbondale, IL 62901 3126
Term Share Certificate - 60 Months
$0
3.66%
▲ 1.16% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details
Balance: $50,000 +
Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Five Year Certificate
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month IRA Certificate
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details
Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Share Certificate
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Regular CD 60 Months
$500
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details
Penalty for early withdrawal; fees may reduce earnings
Rate History
No change since Oct 20, 2026 · 3.65% APY
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Illinois CD Rate Trends
Compare local Illinois CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD IL Avg
2.562%
▲ 0.021 vs 7 days ago
Illinois 12-month CD rates rose 0.021 points over the past 7 days to 2.562% APY.
6-Month CD IL Avg
2.311%
▲ 0.004 vs 7 days ago
Illinois 6-month CD rates rose 0.004 points over the past 7 days to 2.311% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
IL CD Rate Forecast, Next 12 Months
Where are Illinois CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.562%
6-Month Forecast
2.562%
Range: 2.36%, 2.71%
12-Month Forecast
2.812%
Range: 2.61%, 2.96%
Powered by
MonitorBankRates
What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.595% | $79.73 | $159.45 | $398.63 | $797.25 |
| 6-Month CD | 2.311% | $115.53 | $231.06 | $577.65 | $1,155.30 |
| 12-Month CD | 2.562% | $128.09 | $256.18 | $640.45 | $1,280.90 |
| 18-Month CD | 2.437% | $121.87 | $243.74 | $609.35 | $1,218.70 |
| 24-Month CD | 2.479% | $123.95 | $247.91 | $619.78 | $1,239.55 |
| 36-Month CD | 2.377% | $118.87 | $237.73 | $594.32 | $1,188.65 |
| 48-Month CD | 2.421% | $121.07 | $242.13 | $605.32 | $1,210.65 |
| 60-Month CD | 2.496% | $124.82 | $249.63 | $624.08 | $1,248.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.595% | $79.73 |
| 2 | 6-Month CD | $5,000 | 2.311% | $115.53 |
| 3 | 12-Month CD | $5,000 | 2.562% | $128.09 |
| 4 | 24-Month CD | $5,000 | 2.479% | $123.95 |
| 5 | 36-Month CD | $5,000 | 2.377% | $118.87 |
| Total ($25,000 invested) | $25,000 | 2.265% blended | $566.17/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,260
CD Rates
Tracked in Illinois
Tracked in Illinois
85 Banks
63 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks 2,260 CD rates from 85 banks and 63 credit unions with locations in Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: FIRST EAGLE offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Illinois.
How to Find the Best CD Rates in Illinois
What to compare when shopping for a CD in Illinois
To find the best APYs in Illinois, start with credit unions and online-only banks: Illinois has 63 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Illinois
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Illinois: 148 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Illinois savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Illinois money market rates
Illinois Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$48,393
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At IL 12-mo avg 2.562% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s IL 12-month CD average of 2.562%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $124 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Illinois
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Illinois typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Illinois as everywhere in the U.S.
Choosing a CD Term in Illinois
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Illinois savers easier access to their funds. For example, De Witt Savings Bank is offering its 6 Month Certificate of Deposit at 4.36% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, United Equity Credit Union is offering its 60 Month Share Certificate at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Illinois Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Illinois saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Illinois
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Illinois CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Illinois depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Illinois
Are CD rates in Illinois FDIC insured?
Yes, most established banks in 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 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 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 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 Illinois?
Here are recent top rates found for this area:
- FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
- National Police Federal Credit Union: 4.81% APY (24-Month IRA)
- United Equity Credit Union: 4.75% APY (60 Month Share Certificate)
- First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
- Lindell Bank & Trust Company: 4.54% APY (Special Variable Rate IRA 18 Months)
- CIBC: 4.50% APY (12-month CD)
- Fidelity Bank & Trust (IA): 4.50% APY (24 Month CD)
- First National Bank of Steeleville: 4.50% APY (48 Month CD)
- Advia Credit Union: 4.50% APY (3 - 60 Month Regular CD)
- GenFed Financial Credit Union: 4.50% APY (IRA Certificate - 12 Month)
Rates reflect recent verified offers available in Illinois. Last Updated: October 23, 2026
Illinois CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Illinois
Illinois CD Calculator
At today’s IL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 1.595% (3-month) to 2.377% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.562% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Illinois CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Illinois. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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