Illinois CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Illinois CD rates include First National Bank of PanaFirst National Bank of Pana306 S Locust St, Pana, IL 62557A+5.0 ★Texas Ratio: 1.69%Real return: +1.45%APY minus CPI (February 2026) offering 6 months CD Special at 4.25% APY, United Fidelity BankUnited Fidelity Bank126 N Grand Ave, Cowden, IL 62422A+5.0 ★Texas Ratio: 0.81%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month CD at 4.25% APY, Gateway Metro Federal Credit UnionGateway Metro Federal Credit Union848 N Green Mount Rd, Shiloh, IL 62221 3354A5.0 ★Texas Ratio: 9.61%Real return: +1.41%APY minus CPI (February 2026) offering 11 Month Special - New Money Only, Renews to 1 Year at 4.21% APY, AAEC Credit UnionAAEC Credit Union1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141A+5.0 ★Texas Ratio: 0.17%Real return: +1.40%APY minus CPI (February 2026) offering 5 Years at 4.20% APY, and CIBCCIBC3040 W 111th Street, Chicago, IL 60655A+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY. CD rates as of July 25, 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 4.25% APY from First National Bank of Pana at 306 S Locust St, Pana, IL 62557. 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: July 25, 2026
Compare Best CD Rates in Illinois
Illinois 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months (91 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
101 W Main St, Industry, IL 61440
3 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 11, 2026
Details
Earn 3.55% APY on balances of $500 or more.
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—
UpdatedJul 11, 2026
Details
APY is accurate as of 06/18/2026.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
3 Months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
3-Month CD
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances $50,000.00 or Greater
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
3 month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances $1,000.00 to $49,999.99
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 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—
UpdatedJul 20, 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
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business 3 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
3.00%
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 90 days interest
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—
UpdatedJul 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
3 Months
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
3 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
3 Month CD
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
3 MONTHS
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
3 MONTHS
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 3 MONTHS
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 16, 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—
UpdatedJul 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
3 Month
$0
1.84%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
800 W Grant Hwy, Marengo, IL 60152
90-Day
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
300 Washington St, Beardstown, IL 62618
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
3 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1132 Broadway St, Quincy, IL 62301
3 MONTHS
$2,500
1.16%
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL 61108 7813
Business 3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty for Early Withdrawal: 90 Days*
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
3 Month Term
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
90-Day CD
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL 61108 7813
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty for Early Withdrawal: 90 Days*
State Bank of St. Jacob
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
102 W 4th St, Saint Jacob, IL 62281
3 month
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.23%
1011 River Oaks Dr, Calumet City, IL 60409
Regular 3 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
15-90 Day CD
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 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—
UpdatedJul 12, 2026
Details
SouthernTrust Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
101 N Broadway, Goreville, IL 62939
3 month
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1313 N Skokie Hwy, Gurnee, IL 60031
3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL 60064
3 mo Share Certificate
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Illinois 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
306 S Locust St, Pana, IL 62557
6 months CD Special
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 months
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
949 S Ridgeland Ave, Oak Park, IL 60304 2113
6 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
As Low As; 4.05%
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 6 Month CD
$1,000
4.00%
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
6 months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
6 month
$1,000
3.84%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
248 W Lincoln Hwy, Waterman, IL 60556
6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
6 month CD
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
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—
UpdatedJul 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
6 Months Certificate of Deposit/IRA
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Paid at Maturity; Early Withdrawal Penalty: 90 days of Interest
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1313 N Skokie Hwy, Gurnee, IL 60031
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL 61832 6037
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
SPECIAL CD RATES: LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
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
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
No compounding, interest paid at maturity
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
6 Months (182 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
807 S Main St, Hillsboro, IL 62049
6 Month IRA
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
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—
UpdatedJul 20, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month
$2,500
3.75%
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL 61111
6 Mo.
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
301 S Locust St, Delavan, IL 61734
6 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
6 Month Special
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Diamond APY
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
6 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
6 Month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Platinum APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 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
3.60%
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 6 Months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
6-Month CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL 60661
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 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
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Base Rate
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL 60432
6 month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
6 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
Share Certificates 6 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 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—
UpdatedJul 12, 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
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3330 N Woodford St, Decatur, IL 62526
6 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 11, 2026
Details
APY is accurate as of 06/18/2026.
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
6 Month Certificate
$0
3.48%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 6 Month
$0
3.48%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Illinois 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL 62221 3354
11 Month Special - New Money Only, Renews to 1 Year
$100
4.21%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
New Money Only, Renews to 1 Year
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
101 S Park Ave, Herrin, IL 62948
Special 12 Month CD
$1,000
4.10%
▼
Rate4.06%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
12 months
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 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
4.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only. Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity.
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3301 Vollmer Rd, Flossmoor, IL 60422
12-month CD/IRA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
1 Year
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
4502 27th St Ste K, Moline, IL 61265
12-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY = Annual Percentage Yield. Minimum opening deposit required. Penalty may apply for early withdrawal. Offer subject to change without notice. Contact the credit union for complete details.
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
12 month CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
12 months CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 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)
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
12-Month CD
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2300 4TH AVE, ROCK ISLAND, IL 61201
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 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—
UpdatedJul 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
1 year
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 25, 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
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
115 N 4th St, Coulterville, IL 62237
12 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 Deposit/IRA
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
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—
UpdatedJul 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
Kid/Teen Club Add-On Certificate of Deposit 12 month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12330 S Harlem Ave, Palos Heights, IL 60463
12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
12 Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 12 Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
YOUth Boost 12-Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
12 Months
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
Share/IRA Certificates 12 month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
12-Month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL 61074
12 Months
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL 61265 3652
12 Month Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 12 Months
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
12 Month
$10,000
3.65%
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedJul 20, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
210 W Monroe St, Herrin, IL 62948
12 month
$1,000
3.64%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
12 Months
$0
3.64%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
3.60%
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
12-Month CD
$20,000
3.60%
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedJul 25, 2026
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
403 E Broad St, Raymond, IL 62560
12 Month Term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
12 Month CD
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
12 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois 18 Month CD Rates
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
18-Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Rates subject to change
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Featured rate. Online Only.
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
18 months
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 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
4.04%
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
18-Month CD
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
18 months CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
18 Months
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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
3.80%
▼
Rate3.76%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
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
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Variable Rate
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
18 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
808 Iaa Dr, Bloomington, IL 61701 2214
Share Certificates 18 Months
$1,000
3.68%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
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—
UpdatedJul 12, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
18 Month Certificate
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 18 Month
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
18 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
115 N 4th St, Coulterville, IL 62237
18 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 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
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 18 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
18 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
18 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Variable Rate Compounded Monthly
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
18 months CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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—
UpdatedJul 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
Share Certificates 18 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 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
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
18 Month Variable
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
18 Month Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3130 E Mound Rd, Decatur, IL 62526
18-month - Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances $50,000.00 or Greater
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
18 Month CD
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2195 Baseline Rd, Oswego, IL 60543 6006
18 Month Special
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL 62221 3354
18 Month
$100
3.10%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 24, 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
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
Illinois 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 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%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
227 S Superior St, Ramsey, IL 62080
24 months
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
2 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
24 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
24-month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lock in a competitive rate with our 24-month CD - open online in minutes.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
24 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
2 years jumbo
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
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
3.81%
▼
Rate3.77%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
2 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
24 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
24 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month CD
$20,000
3.70%
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedJul 25, 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 Deposit/IRA
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
24 Month Certificate
$0
3.62%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 24 Month
$0
3.62%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL 61032 7610
24-Month CD
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
24 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 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—
UpdatedJul 16, 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—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
24 Month
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
24 Month CD
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 24 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 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
$1,000
3.41%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding: Daily
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
24 Months
$0
3.39%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
24 Months
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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—
UpdatedJul 20, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 E Lebanon St, Nashville, IL 62263
24 MONTH CERTIFICATE SPECIAL!!!
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 11, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
24 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL 61401
Share Certificates 24 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 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—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business 24 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
3 Years
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month CD
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
3 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
36 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
36 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
36 Month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
36 Month CD
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
IRA Certificate 36 Month
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL 61270
36 Month Certificate
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
36 month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
36 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
1311 Shooting Park Rd, Peru, IL 61354
36 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 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—
UpdatedJul 20, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
36 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 36 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
36 Months
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
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—
UpdatedJul 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
36 Months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
36 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
3 Year Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 36 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 36 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
36 MONTHS
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 36 MONTHS
$0
3.21%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 16, 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
3.20%
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
36 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
APY is fixed for a 36-month term. Early withdrawal penalties may be imposed.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
36 MONTHS
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 36 MONTHS
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 36 Month CD
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
36 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL 62049 1513
36 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Illinois 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
4 Years
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
4 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
48 Month
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
48 Month CD
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
48 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
48 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
48 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 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—
UpdatedJul 20, 2026
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
48 Month CD
$5,000
3.56%
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 48 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
48 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
48 month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
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—
UpdatedJul 20, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
48 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
48-Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 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
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
Business 48 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
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—
UpdatedJul 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
48 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 48 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 48 Month CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
48 month CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 48 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
48 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 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
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 48-month term.
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
48 Months
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 20, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL 62221 3354
4 Year
$100
3.05%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
Illinois 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL 60005 3141
5 Years
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1401 Sheridan Rd, North Chicago, IL 60064 1803
5-Year Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY = Annual Percentage Yield is the rate that is earned if the funds are left to compound for one year. All dividends are paid monthly based on the daily average balance. Rates subject to change monthly. The nominal rate is the rate used to calculate the monthly dividend.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
60 Month CD
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL 61820 7402
5 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 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 Deposit/IRA
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 273 days of Interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 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—
UpdatedJul 20, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Jumbo 60 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL 60008 1015
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
60 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
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—
UpdatedJul 11, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1404 14th Ave, Fulton, IL 61252
18, 30, or 60 month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield. The stated APY is accurate as of 6/15/26. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 7-Month CD and 13-Month CD will automatically renew to a term of 182-Day and 12-Months, respectively.
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
885 N Illinois Route 3, Waterloo, IL 62298
60 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1730 4th St, Peru, IL 61354
60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
2712 E Sangamon Ave, Springfield, IL 62702
60 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 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
Business 60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
331 S Main St, Clay City, IL 62824
60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
220 E Broadway, Monmouth, IL 61462
60 Mo. CD
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly Compound
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
60 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
Jumbo IRA Certificate Accounts 60 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
60-Month CD
$2,000
3.30%
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 360 days interest
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
260 Front St, Xenia, IL 62899
60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 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
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
60 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 20, 2026
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
60 month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
60-Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
1725 1200TH AVE, Lincoln, IL 62656
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
110 E Main St, Stewardson, IL 62463
60 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 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—
UpdatedJul 12, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
60 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL 61704 8253
HSA Certificate Accounts 60 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3100 Theodore St, Joliet, IL 60435
5 Year Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL 62201
Regular 60 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
114 W 3rd St, Prophetstown, IL 61277
60 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL 62269 7397
Business 60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Illinois CD Rate Trends
Compare local Illinois CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — IL Avg
2.292%
▲ 0.023 vs 7 days ago
Illinois 12-month CD rates rose 0.023 points over the past 7 days to 2.292% APY.
6-Month CD — IL Avg
2.161%
▲ 0.012 vs 7 days ago
Illinois 6-month CD rates rose 0.012 points over the past 7 days to 2.161% APY.
As of Jul 27, 2026 • Rate data sourced from 8,500+ monitored institutions
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IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.292%
6-Month Forecast
2.292%
Range: 2.09% – 2.44%
12-Month Forecast
2.042%
Range: 1.84% – 2.19%
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What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.802% | $90.12 | $180.24 | $450.60 | $901.20 |
| 6-Month CD | 2.161% | $108.03 | $216.05 | $540.13 | $1,080.25 |
| 12-Month CD | 2.292% | $114.62 | $229.24 | $573.10 | $1,146.20 |
| 18-Month CD | 2.221% | $111.06 | $222.12 | $555.30 | $1,110.60 |
| 24-Month CD | 2.211% | $110.56 | $221.12 | $552.80 | $1,105.60 |
| 36-Month CD | 2.195% | $109.75 | $219.49 | $548.73 | $1,097.45 |
| 48-Month CD | 2.466% | $123.28 | $246.56 | $616.40 | $1,232.80 |
| 60-Month CD | 2.341% | $117.03 | $234.05 | $585.13 | $1,170.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 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 | 1.802% | $90.12 |
| 2 | 6-Month CD | $5,000 | 2.161% | $108.03 |
| 3 | 12-Month CD | $5,000 | 2.292% | $114.62 |
| 4 | 24-Month CD | $5,000 | 2.211% | $110.56 |
| 5 | 36-Month CD | $5,000 | 2.195% | $109.75 |
| Total ($25,000 invested) | $25,000 | 2.132% blended | $533.08/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,098
CD Rates
Tracked in Illinois
Tracked in Illinois
71 Banks
57 Credit Unions
About Our Illinois CD Rate Database
MonitorBankRates tracks 1,098 CD rates from 71 banks and 57 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: First National Bank of Pana offers a CD at 4.25% APY with a minimum deposit of $1,000. 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 57 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 — 128 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
$111/yr
At IL 12-mo avg 2.292% 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 2.292%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $111 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 |
How Certificates of Deposit Work in Illinois
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Illinois typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Illinois as everywhere in the U.S.
Choosing a CD Term in Illinois
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Illinois savers easier access to their funds. For example, First National Bank of Pana is offering its 6 months CD Special at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, AAEC Credit Union is offering its 5 Years at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Illinois Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Illinois saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Illinois
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Illinois CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Illinois depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Illinois
Are CD rates in Illinois FDIC insured?
Yes, most established banks in Illinois are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Illinois?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Illinois.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Illinois may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Illinois?
Here are recent top rates found for this area:
- First National Bank of Pana: 4.25% APY (6 months CD Special)
- United Fidelity Bank: 4.25% APY (18-Month CD)
- Gateway Metro Federal Credit Union: 4.21% APY (11 Month Special - New Money Only, Renews to 1 Year)
- AAEC Credit Union: 4.20% APY (5 Years)
- CIBC: 4.15% APY (18-month CD)
- Michigan State University Federal Credit Union: 4.15% APY (2-Year Certificate or IRA-HSA Jumbo)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Bank of Herrin: 4.10% APY (Special 12 Month CD)
- Abbott Laboratories Credit Union: 4.10% APY (5-Year Certificates)
- Policemens Federal Credit Union: 4.10% APY (6 months)
Rates reflect recent verified offers available in Illinois. Last Updated: July 25, 2026
CD Calculators for Illinois
Illinois CD Calculator
At today’s IL top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Illinois CD LadderIL CD rates currently range from 1.802% (3-month) to 2.195% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Illinois CD at 4.25% 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 2.292% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Illinois CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Illinois directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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