CD Rates Illinois (IL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Illinois CD rates include Planites Credit UnionPlanites Credit Union300 E Randolph ST, Chicago, IL 60601 5014A+5.0 ★Texas Ratio: 2.34%Real return: +1.70%APY minus CPI (February 2026) offering Investment Certificates 11 Month Special (rollover for 12 months at maturity) at 4.50% APY, United Fidelity BankUnited Fidelity Bank126 N Grand Ave, Cowden, IL 62422A+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, Gas and Electric Credit UnionGas and Electric Credit Union2300 4TH AVE, ROCK ISLAND, IL 61201A+5.0 ★Texas Ratio: 4.44%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY, Policemens Federal Credit UnionPolicemens Federal Credit Union4100 W 76TH ST, CHICAGO, IL 60652 5600A+5.0 ★Texas Ratio: 0.46%Real return: +1.30%APY minus CPI (February 2026) offering 6 months Certificate at 4.10% APY, and Vibrant Credit UnionVibrant Credit Union4400 16th St, Moline, IL 61265A-5.0 ★Texas Ratio: 15.61%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY. CD rates as of April 21, 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 4.50% APY from Planites Credit Union at 300 E Randolph ST, Chicago, IL 60601 5014. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Illinois
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 90 Days
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 3 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days) CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
3-Month Certificates of Deposit (CDs)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
3 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 3 MONTHS
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
3-Month CD
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Months CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
3 Months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
91 Day CD (3 Months)
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
3 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
3 Months Certificates Of Deposit
$1,000
2.98%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 3 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 3 Month
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
3 Month CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
3-Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
9 E Ontario St, Chicago, IL 60611
3 Months Fixed Interest Rate Certificates of Deposit
$100,000
1.50%
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
3 Month Term
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 3 mos
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
3 Month CD
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
700 S Lewis Ave, Waukegan, IL 60085
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
214 Main St, Savanna, IL 61074 1628
3 month Certificate
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1313 N Skokie Hwy, Gurnee, IL 60031
3 Month Certificate Accounts
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
101 N Broadway, Goreville, IL 62939
Certificate of Deposit 3 month
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank of Western Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
205 East Broadway, Alexis, IL 61412
3 MONTHS Certificates of Deposit (CDs)
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
108 Elm Street, Franklin Grove, IL 61031
3 Month Certificate of Deposit
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
$1,000 minimum balance required for all Certificate of Deposits
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2525 Green Bay Rd, North Chicago, IL 60064
3 mo Share Certificate
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank of Moultrie County
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1 S Main St, Sullivan, IL 61951
Certificate of Deposit 3 Month
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Municipal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
228 N Dixie Hwy, Momence, IL 60954
90 Day CD
$2,500
0.30%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
$2,500 Minimum Opening Deposit
BankChampaign
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
2101 S Neil St, Champaign, IL 61820
3 Month CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB in Taylorville
Institution Rating:
B+4.8 ★Texas Ratio: 17.11%
502 S Broad St, Mount Auburn, IL 62547
Certificates of Deposit 3 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
3 Months Certificate of Deposits (CDs) Diamond
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
3 Month Certificate of Deposit
$2,500
0.25%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
8929 S Harlem Ave, Bridgeview, IL 60455
3 Months Certificates of Deposit
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
3 Month CD
$0
0.21%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
3 Month Certificates of Deposit
$2,500
0.20%
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 months Certificate
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1407 W Washington Blvd, Chicago, IL 60607 1820
Jumbo 6-Month Share Certificate
$100,000
4.08%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
This Share Certificate is available for a minimum of $100,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$0
3.94%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Savanna, IL 61074
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6 month CD special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
$1000 minimum deposit required; Penalty for early withdrawal; No compounding, interest paid at maturity
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3919 N University St, Peoria, IL 61614 6938
Share Certificates, Traditional, Roth, Educational IRA's 6 Month Renewal
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
6 Month Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL 61111
6 Mo. Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
6 month CD Special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special Certificate of Deposits & IRA Specials
$150,000
3.70%
▼
Rate3.63%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
6 Months Certificate of Deposits (CDs) Diamond
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month CD Specials
$2,500
3.70%
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
6 Months Certificates Of Deposit
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term
$2,500
3.66%
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
6-Month CD
$2,000
3.65%
▼
Rate3.62%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 180 Days
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 6 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 6 Months
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
6-Month Certificates of Deposit (CDs)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
6 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL 60661
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
6 Month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 W Main St, Joy, IL 61260
6 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
6 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 6 MONTHS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
6 month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000 minimum balance is required. 90 day early withdrawal penalty.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days) CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
6-month - Share Certificates
$0
3.32%
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
6 Mo. CD
$5,000
3.30%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Compound
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 6-month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
182 Day CD (6 Months)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
6 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 6 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 11 Month Special (rollover for 12 months at maturity)
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 months (1 year) Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
12-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
12 Months Certificate of Deposits/IRAs
$1,000
3.91%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum deposit $100,000 for Certificates of Deposit (CDs) and applies to new money deposits only. This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special Certificate of Deposits & IRA Specials
$150,000
3.90%
▼
Rate3.83%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
2300 4TH AVE, ROCK ISLAND, IL 61201
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3960 W 26th St, Chicago, IL 60623
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3919 N University St, Peoria, IL 61614 6938
Share Certificates, Traditional, Roth, Educational IRA's 12 Month Renewal
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
12 Month Certificate of Deposit
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
8504 W Golf Rd, Niles, IL 60714
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. Only available in our branches.
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
1 Year CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
12 Months Certificates Of Deposit
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$0
3.73%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
12-Month CD
$2,000
3.70%
▼
Rate3.67%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Savanna, IL 61074
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2201 S 1ST ST, Champaign, IL 61820 7402
IRA Savings Certificates 1 Year
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
12 Month Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
12 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
12 Month CD (a)
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
12 Month Term
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 12 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 12 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
12 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
106 E Main St, Teutopolis, IL 62467
12 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 12 MONTHS
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
12 month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank Elmwood, IL
Institution Rating:
F1.0 ★Texas Ratio: 195.74%
104 E Main St, Elmwood, IL 61529
12 Month CD
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Health Saving Account 1 Year Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
12 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 12 Months
$5,000
3.50%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
12 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
12 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL 61201
12 Months Certificate of Deposits (CDs) Diamond
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
12 Month Certificate
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
12-month - Share Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
IRA 12 Month Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 12-month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
18-Month Certificates of Deposit (CDs)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3919 N University St, Peoria, IL 61614 6938
Share Certificates, Traditional, Roth, Educational IRA's 18 Month Renewal
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
18 Months Certificate of Deposits/IRAs
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Save more when you move at least $500 from another financial institution.
Blackhawk Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
105 North High Street, Port Byron, IL 61275
18-Month Silver Hawk Club CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18207 Burnham Ave, Lansing, IL 60438
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
18 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
110 S 4th St, Elkville, IL 62932
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4387 N Illinois St, Swansea, IL 62226
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
3.57%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
18 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 18 Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 18 MONTHS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
18 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Savanna, IL 61074
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
203 W Main St, Oblong, IL 62449
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 18 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD (a)
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
18-Month IRA
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL 60637
18 month Certificates of Deposit (CDs), Regular and IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
18 months CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
18 Month Special Certificate of Deposits & IRA Specials
$150,000
3.25%
▼
Rate3.20%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
18 Month CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
IRA 18 Month Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
18 Month CD
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
18-Month CD
$2,000
3.20%
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
18-month - Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 18 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 months Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
18 Months CD
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
18 Month CD
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
301 S Main St, Pleasant Hill, IL 62366
18 Month Certificate of Deposit
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
101 N Broadway, Goreville, IL 62939
Certificate of Deposit 18 month
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
18 months Share Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
Special Certificates of Deposit 18 Months
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
18 Month CD/IRA CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Security Bank Mackinaw, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 E Fast Ave, Mackinaw, IL 61755
18 months Certificates of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
18 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
18 Month CD / IRA
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 18 Month
$100,000
2.84%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 25 Month Special (rollover for 24 months at maturity)
$500
4.50%
▼
Rate4.43%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
24-Month CD
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3919 N University St, Peoria, IL 61614 6938
Share Certificates, Traditional, Roth, Educational IRA's 24 Month Renewal
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1025 W Detweiller Dr, Peoria, IL 61615 2064
Share Certificates of Deposit 24-month Jumbo
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
24 Months Certificate of Deposits/IRAs
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2201 S 1ST ST, Champaign, IL 61820 7402
IRA Savings Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 24 MONTHS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
24 month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL 61701 5227
24 Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 24 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
24 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
24 months Share Certificate
$0
3.52%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
Agility 24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 24 Month
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
24 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
24 Month Share Certificate Special
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NEW MONEY ONLY- LIMITED TIME
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
24 Month CD/IRA
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Stronghurst
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
108 E Main St, Stronghurst, IL 61480
24 Month CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 E Lebanon St, Nashville, IL 62263
24 MONTH CERTIFICATE
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
2 Years Certificate and IRA Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
24 Months Certificates Of Deposit
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
24-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
2 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
204 Main St, Graymont, IL 61743
24 Month CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
24 Months Certificates of Deposit
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 months (2 years) Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
24-month - Share Certificates
$0
3.08%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL 60637
24 month Certificates of Deposit (CDs), Regular and IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
2 Years IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
24 month Share/IRA Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
24 Month CD / IRA
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
24 Months+ Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
24 Month Special Certificate of Deposits & IRA Specials
$150,000
3.00%
▼
Rate2.96%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Health Saving Account 2 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
2 year Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
450 E 22nd St Ste 250, Lombard, IL 60148 6176
IRA Certificate (Traditional, Roth or Educational) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
24 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
24 Months CD
$500
2.95%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
24 Mo. CD
$5,000
2.90%
▼
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Compound
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month Certificates of Deposit (CDs)
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3919 N University St, Peoria, IL 61614 6938
Share Certificates, Traditional, Roth, Educational IRA's 36 Month Renewal
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
36 Months Certificate of Deposits/IRAs
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 36 Month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 36 MONTHS
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
36 month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2201 S 1ST ST, Champaign, IL 61820 7402
IRA Savings Certificates 3 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
521 Ferry Street, Metropolis, IL 62960
36-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 36 Months
$5,000
3.55%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
36 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD (a)
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 36 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates 36 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3960 W 26th St, Chicago, IL 60623
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
36-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
3 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
36 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
3 year Certificates of Deposit
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
36 Month CD / IRA
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
36 Months Certificates Of Deposit
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
36 months Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
36 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Years IRA
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
36-month - Share Certificates
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2332 W Chicago Ave, Chicago, IL 60622
3 Years Certificate and IRA Certificates
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
36 Months+ Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Health Saving Account 3 Year Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
36 Months CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 36 mos
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
450 E 22nd St Ste 250, Lombard, IL 60148 6176
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Savanna, IL 61074
36 Months Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
36 Mo. CD
$5,000
2.90%
▼
Rate2.87%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Compound
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 36 Month
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
36 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL 62040 4179
IRA Share Certificate 36 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
36 Month Special Certificate of Deposits & IRA Specials
$150,000
2.80%
▼
Rate2.76%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL 60637
36 month Certificates of Deposit (CDs), Regular and IRA
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
Certificates of Deposit (CDs) 36 months
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
Certificates of Deposit 36 Months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
48 Months Certificate of Deposits/IRAs
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 48 MONTHS
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2201 S 1ST ST, Champaign, IL 61820 7402
IRA Savings Certificates 4 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 48 Months
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
48 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD (a)
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL 61081 7626
4 year Certificates of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL 60004 5802
IRA Share Certificates 48 Month
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD and over
$100,000
3.43%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
48 month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
48 Month CD / IRA
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
48 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
48-Month Certificates of Deposit (CDs)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
48 Months Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
48 Month Certificate
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 48 mos
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
48 Months Certificates Of Deposit
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
48 Months CD
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month Certificate
$20,000
3.09%
▼
Rate3.05%
Min Deposit$20,000
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
48 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 4 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months CD
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 48 Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 48 Month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
48-month - Share Certificates
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
106 E Main St, Teutopolis, IL 62467
48 Month CD
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
1011 River Oaks Dr, Calumet City, IL 60409
Regular Certificate IRA 48 month bump rate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
48 Months+ Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
48 Mo. CD
$5,000
3.00%
▼
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Compound
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL 62040 4179
IRA Share Certificate 48 Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL 60637
48 month Certificates of Deposit (CDs), Regular and IRA
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
Certificates of Deposit 48 Months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
450 E 22nd St Ste 250, Lombard, IL 60148 6176
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
48 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL 60435 6509
4 Years Certificates of Deposit
$0
2.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Abri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL 60446 5345
48 months Certificates
$0
2.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fairview State Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
420 Carter St, Fairview, IL 61432
Certificate of Deposit 48 Months
$2,500
2.58%
▼
Rate2.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
60 Months Certificate of Deposits/IRAs
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo Certificate Accounts 60 MONTHS
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
CDs/IRAs 60 Months
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
60 Month CD
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
2201 S 1ST ST, Champaign, IL 61820 7402
IRA Savings Certificates 5 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 180 Day Dividend
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD and over
$100,000
3.53%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
60 Month Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL 60409 5404
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
60 Month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
IRA Certificates 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
111 N Chicago St, Rossville, IL 60963
60 Month CD / IRA
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
801 Lincoln Hwy, Fairview Heights, IL 62208 2216
60 month Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs)
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northwest Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
8930 Waukegan Rd, Morton Grove, IL 60053
Share Certificates 60 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
*APY - Annual Percentage Yield. Rates Subject To Change Without Notice.
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL 62702
60 month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance of $10,000 is required.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
60 Months Certificates of Deposit
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
60-Month Certificates of Deposit (CDs)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
315 N Cornelia St, Spring Valley, IL 61362
60 Month CD/IRA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
60 Months CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
1725 1200TH AVE, Lincoln, IL 62656
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
5 Years CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
Special IRA 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
60 Months Certificates Of Deposit
$1,000
3.14%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Hickory Point B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
225 N Water St, Decatur, IL 62523
IRA Certificate of Deposit 5 Years
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL 62221 3354
Share Certificate 5 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L of Central Illinois, S.B.
Institution Rating:
A5.0 ★Texas Ratio: 10.33%
800 W Lincoln Ave, Charleston, IL 61920
60 Month CD / IRA
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
3970 Maryville Rd, Granite City, IL 62040 4179
IRA Share Certificate 60 Month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
13601 S Perry Ave, Riverdale, IL 60827 1655
IRA Certificates of Deposit 60 Month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
557 W Randolph St, Chicago, IL 60661
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
60-month - Share Certificates
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
103 3rd St, Savanna, IL 61074
60 Months Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
60 Mo. CD
$5,000
3.00%
▼
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly Compound
Dieterich Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
550 N 2nd St, Breese, IL 62230
Certificates of Deposit (CDs) 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
327 Missouri Ave # 333, East St Louis, IL 62201
Certificates of Deposit 60 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1654 Terry Dr, Joliet, IL 60436
60 Months+ Certificates of Deposit
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
New Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL 60435 6509
5 Years Certificates of Deposit
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Abri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL 60446 5345
60 months Certificates
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL 60637
60 month Certificates of Deposit (CDs), Regular and IRA
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
60 MONTH CERTIFICATE OF DEPOSIT
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Metropolitan Capital B&T
Institution Rating:
C3.9 ★Texas Ratio: 28.57%
9 E Ontario St, Chicago, IL 60611
60 Months Fixed Interest Rate Certificates of Deposit
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Fixed Interest Rate Certificates of Deposit; $100,000+
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL 60104
60 Month Certificate/IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
450 E 22nd St Ste 250, Lombard, IL 60148 6176
IRA Certificate (Traditional, Roth or Educational) 60 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3330 N Woodford St, Decatur, IL 62526
60 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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
2.348%
▲ 0.023 vs 7 days ago
Illinois 12-month CD rates rose 0.023 points over the past 7 days to 2.348% APY.
6-Month CD — IL Avg
2.214%
▼ 0.082 vs 7 days ago
Illinois 6-month CD rates fell 0.082 points over the past 7 days to 2.214% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.348%
6-Month Forecast
2.348%
Range: 2.15% – 2.50%
12-Month Forecast
2.098%
Range: 1.90% – 2.25%
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 | 1.674% | $83.69 | $167.38 | $418.45 | $836.90 |
| 6-Month CD | 2.214% | $110.70 | $221.40 | $553.50 | $1,107.00 |
| 12-Month CD | 2.348% | $117.39 | $234.77 | $586.93 | $1,173.85 |
| 18-Month CD | 2.172% | $108.58 | $217.15 | $542.88 | $1,085.75 |
| 24-Month CD | 2.339% | $116.97 | $233.94 | $584.85 | $1,169.70 |
| 36-Month CD | 2.390% | $119.50 | $238.99 | $597.48 | $1,194.95 |
| 48-Month CD | 2.492% | $124.58 | $249.15 | $622.88 | $1,245.75 |
| 60-Month CD | 2.453% | $122.66 | $245.31 | $613.28 | $1,226.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
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 | 1.674% | $83.69 |
| 2 | 6-Month CD | $5,000 | 2.214% | $110.70 |
| 3 | 12-Month CD | $5,000 | 2.348% | $117.39 |
| 4 | 24-Month CD | $5,000 | 2.339% | $116.97 |
| 5 | 36-Month CD | $5,000 | 2.390% | $119.50 |
| Total ($25,000 invested) | $25,000 | 2.193% blended | $548.25/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
155
Institutions
in Illinois
in Illinois
87 Banks
68 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks CD rates from 87 banks and 68 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 (1–5), 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: Planites Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. 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 68 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 — 155 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$114/yr
At IL 12-mo avg 2.348% 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 2.348%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $114 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in 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:
- Planites Credit Union: 4.50% APY (Investment Certificates 11 Month Special (rollover for 12 months at maturity))
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Policemens Federal Credit Union: 4.10% APY (6 months Certificate)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Alliance Community Bank: 4.07% APY (36-Month Certificates of Deposit (CDs))
- Crossroads Bank Effingham, IL: 4.00% APY (60-Month CD)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- CIBC: 4.00% APY (Agility 12-month CD)
Rates reflect recent verified offers available in Illinois. Last Updated: April 21, 2026
CD Calculators for Illinois
Illinois CD Calculator
At today’s IL top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 1.674% (3-month) to 2.390% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.348% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
Cities in Illinois
Rate Assistant
MonitorBankRates.com · Live Data
Try asking