MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Bellwood, Illinois Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Bellwood, Illinois CD rates range from 2.75% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Bellwood, Illinois CD rates include Central Credit Union of IllinoisCentral Credit Union of Illinois1001 Mannheim Rd, Bellwood, IL 60104A+5.0 ★Texas Ratio: 4.42%Real return: -0.70%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Certificate/IRA Certificate at 3.00% APY, FIRST EAGLEFIRST EAGLEA+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY, United Equity Credit UnionUnited Equity Credit UnionA+5.0 ★Texas Ratio: 0.71%Real return: +1.05%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Share Certificate at 4.75% APY, and First Savings Bank of HegewischFirst Savings Bank of HegewischA+5.0 ★Texas Ratio: 0.18%Real return: +0.92%APY minus CPIRate verified Oct 21, 2026 offering 18 Month Variable Rate Certificate at 4.62% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Bellwood has 3 local institutions in our database, with CD rates as high as 3.00% APY from Central Credit Union of Illinois at 1001 Mannheim Rd, Bellwood, IL 60104. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Bellwood, Illinois & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Bellwood 3 Month CD Rates

Illinois 3 Month CD Average1.59% APYNational 2.13%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Month Certificate of Deposit
$1,000
4.48% ▲ 2.89% above Illinois avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 2.89% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 1 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
2.58%4.01%5.43%Sep 14, 2026: 3.53% APYOct 7, 2026: 4.48% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.48%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 3 Months
$500
4.08% ▲ 2.49% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 2.49% above avgNationally 2.13%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposits - 3 Months
$0
4.01% ▲ 2.42% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 2.42% above avgNationally 2.13%
Details

Rate History
1 change since Sep 11, 2026 · 3.70% → 4.01% ▲ 0.31 pts · high 4.01% / low 3.70%
3.20%3.86%4.51%Sep 11, 2026: 3.70% APYOct 3, 2026: 4.01% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20264.01%▲ from 3.70%
  • Sep 11, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90% ▲ 2.31% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 2.31% above avgNationally 2.13%
Details

Dividend rate from comparison table

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 2.26% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.26% above avgNationally 2.13%
Details

Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82% ▲ 2.23% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.23% above avgNationally 2.13%
Details

Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 90 Days
$0
3.75% ▲ 2.16% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details

Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 90 Days
$0
3.75% ▲ 2.16% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details

Balance: $500 Minimum; Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75% ▲ 2.16% above Illinois avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 2.16% above avgNationally 2.13%
Details

Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month CD
$1,000
3.65% ▲ 2.06% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details

Rates effective as of September 22, 2026

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 25, 2026
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
90 Day CD Specials
$1,000
3.65% ▲ 2.06% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details

Rates effective as of September 22, 2026

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
CD Specials - 90 Day / 3 Month
$1,000
3.65% ▲ 2.06% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 2.06% above avgNationally 2.13%
Details

Rates effective as of 9/22/2026

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.96% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.96% above avgNationally 2.13%
Details

Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 25, 2026
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 3 Month
$0
3.51% ▲ 1.92% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details

Penalty: 91 days

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 Month Certificate
$0
3.51% ▲ 1.92% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details

90 day early withdrawal penalty

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40%
2.90%3.46%4.01%Sep 14, 2026: 3.40% APYOct 19, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.51%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3 Month Certificate
$1,000
3.51% ▲ 1.92% above Illinois avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.92% above avgNationally 2.13%
Details

Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Certificates of Deposit (CDs) - 3-Month
$1,000
3.45% ▲ 1.86% above Illinois avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.86% above avgNationally 2.13%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 22, 2026: 3.45% APYOct 22, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 3 month CD
$500
3.45% ▲ 1.86% above Illinois avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.86% above avgNationally 2.13%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificates
$0
3.43% ▲ 1.84% above Illinois avg
View
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.84% above avgNationally 2.13%
Details

Balance: $50,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 3 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Certificate of Deposit - 3 months
$0
3.40% ▲ 1.81% above Illinois avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.81% above avgNationally 2.13%
Details

Compounding: Monthly 3.45%; Quarterly 3.44%

Rate History
2 changes since Sep 14, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 14, 2026: 3.40% APYOct 8, 2026: 3.45% APYOct 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20263.40%▼ from 3.45%
  • Oct 8, 20263.45%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.81% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.81% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Certificates of Deposit
$0
3.34% ▲ 1.75% above Illinois avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.75% above avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 3.34% APY · checked 5 times
2.84%3.34%3.84%Sep 19, 2026: 3.34% APYSep 19, 2026Oct 25, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Certificates of Deposit - 3 Months
$0
3.34% ▲ 1.75% above Illinois avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.75% above avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 3.34% APY · checked 7 times
2.84%3.34%3.84%Sep 19, 2026: 3.34% APYSep 19, 2026Oct 25, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificate of Deposit - 3 Month
$500
3.30% ▲ 1.71% above Illinois avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.71% above avgNationally 2.13%
Details

Compounding: Monthly

Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.25% ▲ 1.66% above Illinois avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details

Balance: $100,000

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month Certificate of Deposit
$0
3.25% ▲ 1.66% above Illinois avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details

Minimum Balance: $100,000

Rate History
2 changes since Sep 24, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
2.45%3.10%3.75%Sep 24, 2026: 2.95% APYOct 7, 2026: 3.05% APYOct 21, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
  • Oct 21, 20263.25%▲ from 3.05%
  • Oct 7, 20263.05%▲ from 2.95%
  • Sep 24, 20262.95%first recorded
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
3 MONTH CD
$500
3.25% ▲ 1.66% above Illinois avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details

Minimum To Avoid Fees: 500

Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 29, 2026: 3.25% APYSep 29, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.66% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.66% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Certificates of Deposit - 3 Month
$1,000
3.15% ▲ 1.56% above Illinois avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.56% above avgNationally 2.13%
Details

Rate History
No change since Oct 21, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 21, 2026: 3.15% APYOct 21, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month IRA Certificate
$0
3.10% ▲ 1.51% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details

Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo IRA Certificate
$0
3.10% ▲ 1.51% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details

Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo Share Certificate
$0
3.10% ▲ 1.51% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Share Certificate
$0
3.10% ▲ 1.51% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▲ 1.51% above avgNationally 2.13%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 25, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificates
$0
3.07% ▲ 1.48% above Illinois avg
View
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.48% above avgNationally 2.13%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 3 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 25, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
CD - 3 Months
$1,000
3.05% ▲ 1.46% above Illinois avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.46% above avgNationally 2.13%
Details

Rate History
No change since Sep 11, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 11, 2026: 3.05% APYSep 11, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD
$0
3.05% ▲ 1.46% above Illinois avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.46% above avgNationally 2.13%
Details

Minimum Balance: $10,000

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.05% ▼ 0.20 pts · high 3.25% / low 3.05%
2.55%3.15%3.75%Sep 24, 2026: 3.25% APYOct 21, 2026: 3.05% APYSep 24, 2026Oct 25, 2026
  • Oct 21, 20263.05%▼ from 3.25%
  • Sep 24, 20263.25%first recorded
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
91 Day CD (3 Months)
$0
3.03% ▲ 1.44% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.44% above avgNationally 2.13%
Details

Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 20, 2026: 3.03% APYSep 20, 2026Oct 25, 2026
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3-Month CD
$2,000
3.00% ▲ 1.41% above Illinois avg
View
▼
Rate2.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details

Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-month CD
$0
3.00% ▲ 1.41% above Illinois avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details

Rate History
1 change since Sep 20, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 20, 2026: 2.75% APYOct 22, 2026: 3.00% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20263.00%▲ from 2.75%
  • Sep 20, 20262.75%first recorded
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificate of Deposit - 3 Month
$1,000
3.00% ▲ 1.41% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details

Effective Date: September 1, 2026; Interest paid monthly; No minimum balance to earn APY

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90 Day Certificate of Deposit
$1,000
3.00% ▲ 1.41% above Illinois avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.41% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Certificates Of Deposit - 3 Months
$1,000
2.98% ▲ 1.39% above Illinois avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▲ 1.39% above avgNationally 2.13%
Details

Rate History
No change since Sep 20, 2026 · 2.98% APY · checked 7 times
2.48%2.98%3.48%Sep 20, 2026: 2.98% APYSep 20, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month Certificate of Deposit
$0
2.95% ▲ 1.36% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details

Balance: $500; Rates effective as of 10/15/2026

Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
CD / IRA - 3 Months (91 Days)
$0
2.95% ▲ 1.36% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details

Rates effective as of 10/15/26

Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Oct 7, 2026: 2.95% APYOct 7, 2026Oct 25, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Certificate Accounts - 3 Months
$100,000
2.95% ▲ 1.36% above Illinois avg
View
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20262.95%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo HSA Certificate - 3 MONTHS
$100,000
2.95% ▲ 1.36% above Illinois avg
View
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.36% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20262.95%▲ from 2.65%
  • Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Certificate Accounts - 3 MONTHS
$1,000
2.90% ▲ 1.31% above Illinois avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.31% above avgNationally 2.13%
Details

Minimum to open $1,000

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 25, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
HSA Certificate Accounts - 3 MONTHS
$1,000
2.90% ▲ 1.31% above Illinois avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▲ 1.31% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
2.10%2.75%3.40%Sep 14, 2026: 2.60% APYOct 10, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20262.90%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80% ▲ 1.21% above Illinois avg
View
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.21% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates of Deposit - 3 Month
$0
2.78% ▲ 1.19% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.19% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 19, 2026: 2.78% APYOct 19, 2026Oct 25, 2026

Bellwood 6 Month CD Rates

Illinois 6 Month CD Average2.31% APYNational 2.78%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL 60104
6 Month Certificate/IRA Certificate
$1,000
3.00% ▲ 0.69% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 0.69% above avgNationally 2.78%
Details

Share Certificate; dividends compounded and credited monthly; IRA certificates may be opened as traditional or Roth IRAs; rates offered through 10/20/26

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYSep 26, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 26, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6 Month Certificate of Deposit
$1,000
4.36% ▲ 2.05% above Illinois avg
View
▼
Rate4.32%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 2.05% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 3 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
3.28%4.09%4.90%Sep 14, 2026: 3.82% APYOct 7, 2026: 4.36% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.36%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
6-Month CD Special
$5
4.25% ▲ 1.94% above Illinois avg
View
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Auto-renews into a 6-month certificate at the current rate at maturity; Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 25, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
CD Special - 6 Months
$1,000
4.25% ▲ 1.94% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Promotional CD special; Call or stop in for full details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 9 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificates (CDs) - Promotional 6 Month
$1,000
4.25% ▲ 1.94% above Illinois avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.78%
Details

Effective Date: October 16, 2026; Nonrenewable

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 6 Months
$500
4.24% ▲ 1.93% above Illinois avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.93% above avgNationally 2.78%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 15, 2026: 4.24% APYOct 15, 2026Oct 25, 2026
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
Special 6 Month CD
$1,000
4.15% ▲ 1.84% above Illinois avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.15% ▲ 1.84% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.84% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYOct 22, 2026: 4.15% APYSep 16, 2026Oct 25, 2026
  • Oct 22, 20264.15%▼ from 4.40%
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Term Share Certificate
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details

Balance: $50,000.00 and over

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate - 6 Months
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.78%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Share Certificate
$500
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month CD
$0
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.78%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
6-MO CD Special
$1,000
4.04% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.73% above avgNationally 2.78%
Details

Balance: $1,000 minimum daily balance to obtain APY; Special for customers with an INB loan or INB checking account with monthly direct deposit; 90 days interest early withdrawal penalty; Matures in 6 months, renews at 6-month term

Rate History
2 changes since Sep 18, 2026 · 3.43% → 4.04% ▲ 0.61 pts · high 4.04% / low 3.43%
2.82%3.74%4.65%Sep 18, 2026: 3.43% APYOct 7, 2026: 3.71% APYOct 14, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.04%▲ from 3.71%
  • Oct 7, 20263.71%▲ from 3.43%
  • Sep 18, 20263.43%first recorded
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
CD (6 Month Special)
$1,000
4.04% ▲ 1.73% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.73% above avgNationally 2.78%
Details

Minimum Balance to Obtain Annual Percentage Yield: $1,000.00

Rate History
1 change since Oct 7, 2026 · 3.71% → 4.04% ▲ 0.33 pts · high 4.04% / low 3.71%
3.21%3.88%4.54%Oct 7, 2026: 3.71% APYOct 14, 2026: 4.04% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.04%▲ from 3.71%
  • Oct 7, 20263.71%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.71% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.71% above avgNationally 2.78%
Details

70th Anniversary Special

Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 14, 2026: 4.02% APYOct 14, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Term Share Certificate
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate - 6 Months
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.78%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
6 Month Certificates of Deposit (CD)
$2,500
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 6 Months
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate Accounts - 6 Month
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Rates effective as of 9/18/2026; Minimum Deposit = $1,000; dividend rate fixed for the term

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Month Share Certificate
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.78%
Details

Early withdrawal penalty: 90 day dividend

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity

Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 6 Months
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

Rates effective as of 10/23/2026; NCUA-insured; Certificate rate fixed upon opening; Dividend 3.910%

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA Jumbo
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.78%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.95% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Diamond
$500
3.92% ▲ 1.61% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details

Relationship Package Qualifications apply; Early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 14, 2026: 3.92% APYOct 14, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 6 Months - Diamond
$500
3.92% ▲ 1.61% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details

Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 20, 2026: 3.92% APYOct 20, 2026Oct 25, 2026
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate - 6 Months
$0
3.92% ▲ 1.61% above Illinois avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.78%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 10 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates 6 Months
$1,000
3.90% ▲ 1.59% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.59% above avgNationally 2.78%
Details

Featured share certificate rate; up to 3.90% APY

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Platinum
$500
3.87% ▲ 1.56% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.56% above avgNationally 2.78%
Details

Relationship Package Qualifications apply; Early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 14, 2026: 3.87% APYOct 14, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 6 Months - Platinum
$500
3.87% ▲ 1.56% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.56% above avgNationally 2.78%
Details

Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 20, 2026: 3.87% APYOct 20, 2026Oct 25, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
6 Month Certificates of Deposit
$1,000
3.85% ▲ 1.54% above Illinois avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.54% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$1,000
3.84% ▲ 1.53% above Illinois avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.84% APY · checked 5 times
3.34%3.84%4.34%Sep 18, 2026: 3.84% APYSep 18, 2026Oct 25, 2026
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
6-Month & 13-Month CD Special - 13-MO
$1,000
3.83% ▲ 1.52% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.52% above avgNationally 2.78%
Details

Balance: $1,000 minimum each day to obtain APY; no additional deposits allowed; early withdrawal penalty 180 days of interest; renews at 12-month term at standard rates

Rate History
2 changes since Sep 18, 2026 · 3.50% → 3.83% ▲ 0.33 pts · high 3.83% / low 3.50%
3.00%3.67%4.33%Sep 18, 2026: 3.50% APYOct 7, 2026: 3.74% APYOct 14, 2026: 3.83% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.83%▲ from 3.74%
  • Oct 7, 20263.74%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 6 Month
$1,000
3.82% ▲ 1.51% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details

Must maintain minimum balance of $1000 every day to earn APY; Penalty may be imposed for early withdrawal; APY accurate as of 09/17/2026; Open Fixed Rate CD online

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 25, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
6 Month Certificate of Deposit
$0
3.82% ▲ 1.51% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 20, 2026: 3.82% APYOct 20, 2026Oct 25, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6 Month Certificate Account
$0
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 18, 2026: 3.55% APYOct 15, 2026: 3.81% APYSep 18, 2026Oct 25, 2026
  • Oct 15, 20263.81%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6-Month Certificate
$500
3.81% ▲ 1.50% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Up to APY; No monthly fee; Federally insured by the NCUA

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificate - 6 months
$0
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 15, 2026: 3.81% APYOct 15, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 mos. Share Certificate
$10,000
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.78%
Details

Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 6 Mo.
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Quarterly Compound

Rate History
1 change since Sep 11, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 11, 2026: 3.50% APYOct 11, 2026: 3.80% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20263.80%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 18, 2026: 3.55% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.80%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Individual Retirement Accounts - 6 month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 6 month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.78%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
Certificate Specials - 6-month CD
$5,000
3.79% ▲ 1.48% above Illinois avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.48% above avgNationally 2.78%
Details

Interest paid at maturity (Renewable)

Rate History
No change since Oct 22, 2026 · 3.79% APY
3.29%3.79%4.29%Oct 22, 2026: 3.79% APYOct 22, 2026Oct 25, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share Certificate - 6 months
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details

Share certificates as of October 22, 2025; early withdrawal penalty applies; certificate yields assume dividends compounded monthly

Rate History
No change since Oct 22, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 22, 2026: 3.76% APYOct 22, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificate - 6 Month Renewal
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.78%
Details

Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 25, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
6 Month Certificate of Deposit
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Compounding: Paid at Maturity; Early Withdrawal Penalty: 90 days of Interest

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 25, 2026
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Certificate of Deposit - 6 Month
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Effective: July 1, 2026

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 25, 2026

Bellwood 12 Month CD Rates

Illinois 12 Month CD Average2.56% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL 60104
12 Month Certificate/IRA Certificate
$1,000
3.00% ▲ 0.44% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.44% above avgNationally 2.99%
Details

Share Certificate; dividends compounded and credited monthly; IRA certificates may be opened as traditional or Roth IRAs; rates offered through 10/20/26

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYSep 26, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 26, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 2.44% above Illinois avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 2.44% above avgNationally 2.99%
Details

Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60% ▲ 2.04% above Illinois avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 2.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.60%▲ from 4.08%
  • Sep 16, 20264.08%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50% ▲ 1.94% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details

Featured rate; Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
IRA Certificate - 12 Month
$0
4.50% ▲ 1.94% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details

Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Standard Certificate - 12 Month
$0
4.50% ▲ 1.94% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.94% above avgNationally 2.99%
Details

Effective Date: 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
CD Special - 12 Months
$1,000
4.40% ▲ 1.84% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details

Promotional CD special; Call or stop in for full details

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 1 Year
$0
4.40% ▲ 1.84% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details

Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 12 Month
$0
4.40% ▲ 1.84% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.84% above avgNationally 2.99%
Details

Balance: $500 Minimum; Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 12 Months
$500
4.39% ▲ 1.83% above Illinois avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.83% above avgNationally 2.99%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.79% above Illinois avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Jumbo IRA Certificate
$0
4.35% ▲ 1.79% above Illinois avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details

Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
1 change since Sep 30, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 30, 2026: 4.15% APYOct 20, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.15%
  • Sep 30, 20264.15%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Jumbo Share Certificate
$0
4.35% ▲ 1.79% above Illinois avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.79% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
1 change since Sep 30, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 30, 2026: 4.15% APYOct 20, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.15%
  • Sep 30, 20264.15%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12 mos. Share Certificate
$10,000
4.33% ▲ 1.77% above Illinois avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.77% above avgNationally 2.99%
Details

Withdrawals made prior to maturity are subject to a loss of 120 days dividend

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month IRA Certificate
$0
4.30% ▲ 1.74% above Illinois avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details

Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
1 change since Oct 6, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Oct 6, 2026: 4.10% APYOct 20, 2026: 4.30% APYOct 6, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 4.10%
  • Oct 6, 20264.10%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Share Certificate
$0
4.30% ▲ 1.74% above Illinois avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details

Balance: $1,000$74,999

Rate History
1 change since Oct 6, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Oct 6, 2026: 4.10% APYOct 20, 2026: 4.30% APYOct 6, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 4.10%
  • Oct 6, 20264.10%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30% ▲ 1.74% above Illinois avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.74% above avgNationally 2.99%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
High-Rate Jumbo 12-Month CD
$100,000
4.25% ▲ 1.69% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.69% above avgNationally 2.99%
Details

Current CD special; new money deposits only; fixed rate for the full 12-month term; limited time offer; interest paid monthly via ACH or added back at maturity; call for rates on additional minimum balances

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Special Certificates of Deposit
$10,000
4.25% ▲ 1.69% above Illinois avg
View
▼
Rate4.18%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.69% above avgNationally 2.99%
Details

Compound Method: Quarterly

Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 19, 2026: 4.00% APYOct 2, 2026: 4.60% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20264.25%▼ from 4.60%
  • Oct 2, 20264.60%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Ladder CD 1 Year
$10,000
4.22% ▲ 1.66% above Illinois avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.66% above avgNationally 2.99%
Details

Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 4.22% APY
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 25, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Certificates of Deposit (CDs) - 12-Month
$1,000
4.18% ▲ 1.62% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.62% above avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Bank of Herrin
Institution Rating:
B+4.2 ★Texas Ratio: 8.88%
Special 12 Month CD
$1,000
4.15% ▲ 1.59% above Illinois avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
1 Year Certificate of Deposit
$0
4.15% ▲ 1.59% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.59% above avgNationally 2.99%
Details

Balance: $20,000 +; Interest paid or Compounded Quarterly; Simple Interest Rate 4.09%; Substantial penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 0.40% → 4.15% ▲ 3.75 pts · high 4.15% / low 0.40%
0.00%3.95%7.90%Sep 14, 2026: 0.40% APYOct 14, 2026: 4.00% APYOct 22, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.15%▲ from 4.00%
  • Oct 14, 20264.00%▲ from 0.40%
  • Sep 14, 20260.40%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1 Year Certificate of Deposit
$1,000
4.12% ▲ 1.56% above Illinois avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.56% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.31% → 4.12% ▲ 0.81 pts · high 4.12% / low 3.31%
2.50%3.72%4.93%Sep 14, 2026: 3.31% APYOct 7, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.12%▲ from 3.31%
  • Sep 14, 20263.31%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 1.54% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12 Month Promo CD Special
$0
4.10% ▲ 1.54% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details

Open in Minutes; Rates may vary by zip code

Rate History
No change since Oct 22, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month CD
$0
4.10% ▲ 1.54% above Illinois avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details

Balance: $500.00 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
0.52%3.20%5.89%Sep 18, 2026: 2.31% APYOct 2, 2026: 4.00% APYOct 14, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.00%
  • Oct 2, 20264.00%▲ from 2.31%
  • Sep 18, 20262.31%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Share Certificate
$500
4.10% ▲ 1.54% above Illinois avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.54% above avgNationally 2.99%
Details

Early withdrawal penalty: 180 day dividend

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12 Month Certificate of Deposit
$0
4.08% ▲ 1.52% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.52% above avgNationally 2.99%
Details

Rate History
1 change since Sep 20, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 20, 2026: 3.82% APYOct 3, 2026: 4.08% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20264.08%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Certificate of Deposit - 12 month
$0
4.08% ▲ 1.52% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.52% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 14, 2026: 4.08% APYOct 14, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07% ▲ 1.51% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.51% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07% ▲ 1.51% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.51% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Certificate - 1 Year
$0
4.06% ▲ 1.50% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.50% above avgNationally 2.99%
Details

Mini Investment: $50,000; Effective Date: November 25th, 2024

Rate History
No change since Oct 19, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 19, 2026: 4.06% APYOct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 1.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
12 Month Certificates of Deposit (CD)
$2,500
4.05% ▲ 1.49% above Illinois avg
View
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 12 Months
$1,000
4.05% ▲ 1.49% above Illinois avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Certificate
$1,000
4.05% ▲ 1.49% above Illinois avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Quarterly compounding. IRA funds permitted. No business funds permitted.

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 25, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Certificate of Deposits & IRA Specials - 12 Month Special
$0
4.05% ▲ 1.49% above Illinois avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Balance: $75,000.00 - $250,000.00

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05% ▲ 1.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.49% above avgNationally 2.99%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 18, 2026: 3.75% APYSep 25, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.05%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
12 Month Certificate of Deposit
$1,000
4.01% ▲ 1.45% above Illinois avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.45% above avgNationally 2.99%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Oct 7, 2026: 3.80% APYOct 11, 2026: 4.01% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.01%▲ from 3.80%
  • Oct 7, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 12 Mo.
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 11, 2026: 3.60% APYSep 24, 2026: 3.90% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.00%▲ from 3.90%
  • Sep 24, 20263.90%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month CD / IRA
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Balance: $100,000

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Certificate of Deposit
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Minimum Balance: $100,000

Rate History
2 changes since Sep 24, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 24, 2026: 3.70% APYOct 7, 2026: 3.80% APYOct 21, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 21, 20264.00%▲ from 3.80%
  • Oct 7, 20263.80%▲ from 3.70%
  • Sep 24, 20263.70%first recorded
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
Certificates of Deposit - 1 Year
$2,500
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

All rates available on both new and renewal accounts

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 12 months
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

IRA Certificate; NCUA-insured; Rates effective as of 10/23/2026

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Share Certificate
$500
4.00% ▲ 1.44% above Illinois avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12-Month Certificate
$0
4.00% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Homepage featured certificate; Call for details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 12 month
$500
4.00% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 1.44% above avgNationally 2.99%
Details

Compounding and crediting: Maturity

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026

Bellwood 18 Month CD Rates

Illinois 18 Month CD Average2.44% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62% ▲ 2.18% above Illinois avg
View
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 2.18% above avgNationally 2.88%
Details

Rate changes quarterly; Quarterly compounding; $100.00 minimum additions permitted; IRA fund also permitted

Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
3.46%4.33%5.20%Sep 24, 2026: 4.04% APYOct 3, 2026: 4.62% APYSep 24, 2026Oct 25, 2026
  • Oct 3, 20264.62%▲ from 4.04%
  • Sep 24, 20264.04%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Special Variable Rate IRA 18 Months
$1,000
4.54% ▲ 2.10% above Illinois avg
View
▼
Rate4.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 2.10% above avgNationally 2.88%
Details

Compound Method: Calculated Daily, Compounded Semi-annually; This rate is variable during the term; Penalties may apply for early withdrawals on IRAs

Rate History
No change since Oct 20, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 20, 2026: 4.54% APYOct 20, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 2.01% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 2.01% above avgNationally 2.88%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 18 Month
$0
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details

Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 18 Month
$0
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details

Balance: $500 Minimum; Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40% ▲ 1.96% above Illinois avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
CD Special - 18 Months
$1,000
4.35% ▲ 1.91% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details

Promotional CD special; Call or stop in for full details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 7, 2026: 4.25% APYOct 20, 2026: 4.35% APYOct 7, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.25%
  • Oct 7, 20264.25%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.91% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 25, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Certificate of Deposit - 18 months
$1,000
4.32% ▲ 1.88% above Illinois avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 14, 2026: 4.06% APYOct 21, 2026: 4.32% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.32%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30% ▲ 1.86% above Illinois avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.86% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
0.42%3.33%6.24%Sep 18, 2026: 2.36% APYOct 2, 2026: 4.10% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.10%
  • Oct 2, 20264.10%▲ from 2.36%
  • Sep 18, 20262.36%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27% ▲ 1.83% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.83% above avgNationally 2.88%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27% ▲ 1.83% above Illinois avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.83% above avgNationally 2.88%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Special JUMBO - 18 Month or 24 Month or 30 Month
$50,000
4.25% ▲ 1.81% above Illinois avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details

Special Term IRA Rates; Jumbo

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Certificates of Deposit (CDs) - 18 Months
$0
4.25% ▲ 1.81% above Illinois avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details

Balance: $5,000 and over

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Ascentra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Certificate - 18 Months
$500
4.25% ▲ 1.81% above Illinois avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 0.70% → 4.25% ▲ 3.55 pts · high 4.25% / low 0.70%
0.00%3.90%7.80%Sep 14, 2026: 0.70% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 0.70%
  • Sep 14, 20260.70%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.73% above avgNationally 2.88%
Details

IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 21, 2026: 4.17% APYOct 21, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month CD
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Rates accurate as of October 5, 2026

Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.05%
  • Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month IRA
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 3.05%
  • Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
IRA Special - 18 Month or 24 Month or 30 Month
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Special Term IRA Rates

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Specials: Pick Your Term 18 Month or 24 Month or 30 Month
$1,000
4.15% ▲ 1.71% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Term: 18 months or 24 months or 30 months; Special Term CD; Rates accurate as of October 5, 2026

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.66% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.66% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 Month Certificate of Deposit
$0
4.08% ▲ 1.64% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.46% → 4.08% ▲ 0.62 pts · high 4.08% / low 3.46%
2.84%3.77%4.70%Sep 20, 2026: 3.46% APYOct 3, 2026: 4.08% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20264.08%▲ from 3.46%
  • Sep 20, 20263.46%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Certificate of Deposit - 18 month
$0
4.08% ▲ 1.64% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 14, 2026: 4.08% APYOct 14, 2026Oct 25, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
IRA 18 Month Certificate
$100
4.07% ▲ 1.63% above Illinois avg
View
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 Month Interest; IRA CDs are only available to consumers

Rate History
No change since Oct 21, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 21, 2026: 4.07% APYOct 21, 2026Oct 25, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
IRA 18 Months
$100
4.07% ▲ 1.63% above Illinois avg
View
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details

IRA CD; Early withdrawal penalty: 6 Month Interest

Rate History
No change since Oct 11, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 11, 2026: 4.07% APYOct 11, 2026Oct 25, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Certificates of Deposit (CDs) - 18-Month
$1,000
4.07% ▲ 1.63% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
18 Month Certificate of Deposit
$1,000
4.06% ▲ 1.62% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.06%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 Month Certificate of Deposit
$1,000
4.06% ▲ 1.62% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
2.00%3.55%5.09%Sep 11, 2026: 3.03% APYOct 11, 2026: 4.06% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.06%▲ from 3.03%
  • Sep 11, 20263.03%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
18 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.60% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.60% above avgNationally 2.88%
Details

Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate

Rate History
2 changes since Sep 18, 2026 · 3.43% → 4.04% ▲ 0.61 pts · high 4.29% / low 3.43%
2.57%3.86%5.15%Sep 18, 2026: 3.43% APYSep 24, 2026: 4.29% APYOct 20, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.04%▼ from 4.29%
  • Sep 24, 20264.29%▲ from 3.43%
  • Sep 18, 20263.43%first recorded
Citizens National Bank of Albion
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Months Certificates
$1,000
4.04% ▲ 1.60% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.60% above avgNationally 2.88%
Details

Effective as of September 22, 2026; penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 22, 2026: 4.04% APYOct 22, 2026Oct 25, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates 18 Months
$1,000
4.03% ▲ 1.59% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details

Featured share certificate rate; up to 4.03% APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90%
3.40%3.97%4.53%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.03% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.03%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
18-Month CD
$500
4.03% ▲ 1.59% above Illinois avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details

Interest paid semi-annually

Rate History
No change since Oct 22, 2026 · 4.03% APY
3.53%4.03%4.53%Oct 22, 2026: 4.03% APYOct 22, 2026Oct 25, 2026
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
IRA 18-Month Fixed
$500
4.03% ▲ 1.59% above Illinois avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) certificate

Rate History
No change since Oct 22, 2026 · 4.03% APY
3.53%4.03%4.53%Oct 22, 2026: 4.03% APYOct 22, 2026Oct 25, 2026
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
18 Month CD
$1,000
4.00% ▲ 1.56% above Illinois avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 20, 2026: 3.80% APYOct 23, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.80%
  • Sep 20, 20263.80%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA
$0
4.00% ▲ 1.56% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98% ▲ 1.54% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.54% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98% ▲ 1.54% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.54% above avgNationally 2.88%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 22, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificate - 18 Month Renewal
$0
3.87% ▲ 1.43% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.43% above avgNationally 2.88%
Details

Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 18 month CD
$500
3.85% ▲ 1.41% above Illinois avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.41% above avgNationally 2.88%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificate of Deposit - 18 Month
$500
3.82% ▲ 1.38% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.38% above avgNationally 2.88%
Details

Compounding: Monthly

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
18 Month Certificates of Deposit (CD)
$2,500
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYSep 24, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 18 Months
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
Certificate of Deposit - 18 Months
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Variable IRA
$500
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Compounding: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.80% ▲ 0.41 pts · high 3.80% / low 3.39%
2.89%3.59%4.30%Sep 14, 2026: 3.39% APYOct 8, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20263.80%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026

Bellwood 24 Month CD Rates

Illinois 24 Month CD Average2.48% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81% ▲ 2.33% above Illinois avg
View
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 2.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 24 Months
$500
4.55% ▲ 2.07% above Illinois avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 2.07% above avgNationally 2.90%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 15, 2026: 4.55% APYOct 15, 2026Oct 25, 2026
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50% ▲ 2.02% above Illinois avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 2.02% above avgNationally 2.90%
Details

Balance: $500.00 - $99,999.99

Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 2, 2026: 4.25% APYOct 14, 2026: 4.50% APYOct 2, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.25%
  • Oct 2, 20264.25%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2 Year Certificate of Deposit
$1,000
4.43% ▲ 1.95% above Illinois avg
View
▼
Rate4.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.95% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.26% → 4.43% ▲ 1.17 pts · high 4.43% / low 3.26%
2.09%3.84%5.60%Sep 14, 2026: 3.26% APYOct 7, 2026: 4.43% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.43%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Certificate of Deposit - 24 months
$1,000
4.42% ▲ 1.94% above Illinois avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.94% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.16% → 4.42% ▲ 0.26 pts · high 4.42% / low 4.16%
3.66%4.29%4.92%Sep 14, 2026: 4.16% APYOct 21, 2026: 4.42% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.42%▲ from 4.16%
  • Sep 14, 20264.16%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Month Personal CD & IRA CD
$1,000
4.40% ▲ 1.92% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.92% above avgNationally 2.90%
Details

Balance: $1,000+

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
Personal CD & IRA CD - 24-Month
$100,000
4.40% ▲ 1.92% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.92% above avgNationally 2.90%
Details

Balance tier: $100,000+; dividends compounded daily and paid quarterly; penalty for early withdrawals on original deposit amount

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35% ▲ 1.87% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
1.65%3.68%5.70%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Diamond
$500
4.35% ▲ 1.87% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details

Relationship Package Qualifications apply; Early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months - Diamond
$500
4.35% ▲ 1.87% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.87% above avgNationally 2.90%
Details

Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Platinum
$500
4.30% ▲ 1.82% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details

Relationship Package Qualifications apply; Early withdrawal penalty may be imposed

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months - Platinum
$500
4.30% ▲ 1.82% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details

Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo
$0
4.30% ▲ 1.82% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 24 Month
$0
4.30% ▲ 1.82% above Illinois avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details

Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 24 Month
$0
4.30% ▲ 1.82% above Illinois avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.82% above avgNationally 2.90%
Details

Balance: $500 Minimum; Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month CD/IRA Special
$0
4.25% ▲ 1.77% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details

24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Promo CD Special
$0
4.25% ▲ 1.77% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details

APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit
$0
4.25% ▲ 1.77% above Illinois avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details

Balance: $20,000 +; Interest paid or compounded quarterly

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Year Share Certificate Jumbo
$100,000
4.25% ▲ 1.77% above Illinois avg
View
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details

Jumbo; Early withdrawal penalty: 180 day dividend

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25% ▲ 1.77% above Illinois avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.77% above avgNationally 2.90%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Year Share Certificate
$500
4.20% ▲ 1.72% above Illinois avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.72% above avgNationally 2.90%
Details

Early withdrawal penalty: 180 day dividend

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
CD Special - 24 Months
$1,000
4.19% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.71% above avgNationally 2.90%
Details

Promotional CD special; Call or stop in for full details

Rate History
1 change since Oct 7, 2026 · 4.25% → 4.19% ▼ 0.06 pts · high 4.25% / low 4.19%
3.69%4.22%4.75%Oct 7, 2026: 4.25% APYOct 20, 2026: 4.19% APYOct 7, 2026Oct 25, 2026
  • Oct 20, 20264.19%▼ from 4.25%
  • Oct 7, 20264.25%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate Certificate
$0
4.17% ▲ 1.69% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 18, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate HSA Certificate
$0
4.17% ▲ 1.69% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 25, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate IRA Certificate (Roth, Traditional, Education)
$0
4.17% ▲ 1.69% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.69% above avgNationally 2.90%
Details

Minimum balance $500; variable rate: APY = Index + .15%, rate floor 0% APY

Rate History
No change since Oct 19, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 19, 2026: 4.17% APYOct 19, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit
$500
4.15% ▲ 1.67% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months
$500
4.15% ▲ 1.67% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details

Base APY; Early withdrawal penalty may be imposed

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
24 Month CD (2 year)
$1,000
4.15% ▲ 1.67% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details

Rates accurate as of October 5, 2026

Rate History
1 change since Sep 7, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 7, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 7, 20260.25%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
24 Month IRA (2 year)
$1,000
4.15% ▲ 1.67% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 19, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 19, 20260.25%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.67% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.67% above avgNationally 2.90%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
24 Month Certificates of Deposit (CDs)
$1,000
4.14% ▲ 1.66% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.66% above avgNationally 2.90%
Details

Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate

Rate History
2 changes since Sep 18, 2026 · 3.54% → 4.14% ▲ 0.60 pts · high 4.29% / low 3.54%
2.79%3.92%5.04%Sep 18, 2026: 3.54% APYSep 24, 2026: 4.29% APYOct 20, 2026: 4.14% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.14%▼ from 4.29%
  • Sep 24, 20264.29%▲ from 3.54%
  • Sep 18, 20263.54%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.12% ▲ 1.64% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.64% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12% ▲ 1.64% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.64% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Ladder CD 2 Year
$10,000
4.11% ▲ 1.63% above Illinois avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.63% above avgNationally 2.90%
Details

Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 25, 2026
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
FunTimers CD - 24 Month
$2,500
4.10% ▲ 1.62% above Illinois avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details

Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Standard Certificate of Deposit - 24 Month
$2,500
4.10% ▲ 1.62% above Illinois avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details

Interest penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
24 Month CD
$1,000
4.10% ▲ 1.62% above Illinois avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.62% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.10% ▲ 0.85 pts · high 4.10% / low 3.25%
2.40%3.68%4.95%Sep 14, 2026: 3.25% APYSep 20, 2026: 3.65% APYOct 23, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.65%
  • Sep 20, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.60% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 24 Months
$0
4.08% ▲ 1.60% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
3.27%3.93%4.58%Sep 14, 2026: 3.77% APYOct 22, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.08%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Longview Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.49%
24-Month CD
$500
4.08% ▲ 1.60% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.60% above avgNationally 2.90%
Details

Interest paid semi-annually

Rate History
No change since Oct 22, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 25, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Certificates of Deposit (CDs) - 24-Month
$1,000
4.07% ▲ 1.59% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.59% above avgNationally 2.90%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
24 Month Certificate of Deposit
$1,000
4.06% ▲ 1.58% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.58% above avgNationally 2.90%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Oct 7, 2026: 3.65% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.06%▲ from 3.65%
  • Oct 7, 20263.65%first recorded
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit
$0
4.05% ▲ 1.57% above Illinois avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.57% above avgNationally 2.90%
Details

Balance: $5,000 - $20,000; Interest paid or compounded quarterly

Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 24 Mo.
$0
4.00% ▲ 1.52% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.60% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.00%▲ from 3.60%
  • Sep 24, 20263.60%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Individual Retirement Accounts - 24 month CD
$500
4.00% ▲ 1.52% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 24 month CD
$500
4.00% ▲ 1.52% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2 Year Certificates
$0
4.00% ▲ 1.52% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 1.52% above avgNationally 2.90%
Details

Balance: $25,000+; Compounded monthly; paid monthly

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Certificate
$0
3.97% ▲ 1.49% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.49% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.80% → 3.97% ▲ 0.17 pts · high 3.97% / low 3.80%
3.30%3.89%4.47%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 24 Month
$0
3.97% ▲ 1.49% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.49% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.1 ★Texas Ratio: 38.34%
Certificate of Deposit - 24 Months
$500
3.96% ▲ 1.48% above Illinois avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.48% above avgNationally 2.90%
Details

Interest credited/compounded: Quarterly; Grace days: 10; Early withdrawal penalty: 3 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.96% ▲ 0.67 pts · high 3.96% / low 3.29%
2.62%3.63%4.63%Sep 14, 2026: 3.29% APYOct 22, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.96%▲ from 3.29%
  • Sep 14, 20263.29%first recorded

Bellwood 36 Month CD Rates

Illinois 36 Month CD Average2.38% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificate - 36 Months
$500
4.71% ▲ 2.33% above Illinois avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 2.33% above avgNationally 2.81%
Details

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rate History
No change since Oct 15, 2026 · 4.71% APY · checked 2 times
4.21%4.71%5.21%Oct 15, 2026: 4.71% APYOct 15, 2026Oct 25, 2026
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Share Certificate
$0
4.45% ▲ 2.07% above Illinois avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 2.07% above avgNationally 2.81%
Details

APY = Annual Percentage Yield; Nominal Rate column

Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 10, 2026: 4.45% APYOct 10, 2026Oct 25, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40% ▲ 2.02% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 2.02% above avgNationally 2.81%
Details

Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36 Month CD
$0
4.40% ▲ 2.02% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 2.02% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.97% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.97% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Year Certificate of Deposit
$1,000
4.33% ▲ 1.95% above Illinois avg
View
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
2.09%3.77%5.45%Sep 14, 2026: 3.21% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.33%▲ from 3.21%
  • Sep 14, 20263.21%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
IRA 36 Month Certificate
$100
4.33% ▲ 1.95% above Illinois avg
View
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Month Interest; IRA CDs are only available to consumers

Rate History
No change since Oct 21, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 21, 2026: 4.33% APYOct 21, 2026Oct 25, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
IRA 36 Months
$100
4.33% ▲ 1.95% above Illinois avg
View
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.95% above avgNationally 2.81%
Details

IRA CD; Early withdrawal penalty: 6 Month Interest

Rate History
No change since Oct 11, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 11, 2026: 4.33% APYOct 11, 2026Oct 25, 2026
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
CD Special - 36 Months
$1,000
4.30% ▲ 1.92% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.92% above avgNationally 2.81%
Details

Promotional CD special; Call or stop in for full details

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.82% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 36 Month
$0
4.20% ▲ 1.82% above Illinois avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details

Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 25, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 36 Month
$0
4.20% ▲ 1.82% above Illinois avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.82% above avgNationally 2.81%
Details

Balance: $500 Minimum; Rates effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.80% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.80% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18% ▲ 1.80% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.80% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.79% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.79% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.17% ▲ 1.79% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.79% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
3.41%4.04%4.67%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYOct 23, 2026: 4.17% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.17%▲ from 4.12%
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
36 Month Certificate of Deposit
$1,000
4.16% ▲ 1.78% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.78% above avgNationally 2.81%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
3.20%3.93%4.66%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.16% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.16%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.77% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.77% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.72% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.72% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Certificates of Deposit (CDs) - 36-Month
$1,000
4.07% ▲ 1.69% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.69% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
36 Month Certificates of Deposit (CD)
$2,500
4.05% ▲ 1.67% above Illinois avg
View
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.67% above avgNationally 2.81%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 36 Months
$1,000
4.05% ▲ 1.67% above Illinois avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.67% above avgNationally 2.81%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
36 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.66% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.66% above avgNationally 2.81%
Details

Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
4.02% ▲ 1.64% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.64% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.02%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 36 Month
$0
4.02% ▲ 1.64% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.64% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 36 Mo.
$0
4.00% ▲ 1.62% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Individual Retirement Accounts - 36 month CD
$500
4.00% ▲ 1.62% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 36 month CD
$500
4.00% ▲ 1.62% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00% ▲ 1.62% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.62% above avgNationally 2.81%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificate - 36 Month Renewal
$0
3.97% ▲ 1.59% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.59% above avgNationally 2.81%
Details

Renewal rate; Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month Certificate
$0
3.90% ▲ 1.52% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month HSA Certificate
$0
3.90% ▲ 1.52% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month IRA Certificate (Roth, Traditional, Education)
$0
3.90% ▲ 1.52% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.52% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 19, 2026: 3.90% APYOct 19, 2026Oct 25, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Certificates of Deposit - 36 Month
$1,000
3.87% ▲ 1.49% above Illinois avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 21, 2026: 3.87% APYOct 21, 2026Oct 25, 2026
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Ladder CD 3 Year
$10,000
3.85% ▲ 1.47% above Illinois avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.47% above avgNationally 2.81%
Details

Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificate of Deposit - 36 Month
$500
3.82% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36 Month Certificate of Deposit
$0
3.82% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 20, 2026: 3.30% APYOct 3, 2026: 3.82% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20263.82%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Certificate of Deposit - 36 month
$0
3.82% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.44% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 3 Year Certificate
$0
3.81% ▲ 1.43% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.43% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Year Share Certificate
$500
3.80% ▲ 1.42% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.42% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 day dividend

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificate - 36 Month
$0
3.76% ▲ 1.38% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.38% above avgNationally 2.81%
Details

Share Certificates, Traditional, Roth, Educational IRA's; $500 Minimum Balance for all; Early withdrawal penalty applies; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 3 Years
$0
3.75% ▲ 1.37% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.37% above avgNationally 2.81%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; 1 year or longer certificate dividends compound quarterly

Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Oct 12, 2026: 3.25% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.25%
  • Oct 12, 20263.25%first recorded
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificates 36 months
$0
3.75% ▲ 1.37% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 1.37% above avgNationally 2.81%
Details

IRA Certificate; NCUA-insured

Rate History
1 change since Oct 12, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Oct 12, 2026: 3.25% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.25%
  • Oct 12, 20263.25%first recorded
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
36 Month Certificate
$0
3.71% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 1.33% above avgNationally 2.81%
Details

180 day early withdrawal penalty

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 19, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Jumbo Share Certificate
$0
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
CD - 36 Months
$500
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
  • Sep 19, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
IRA Accounts - 3 Years
$500
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 24, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
  • Sep 24, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
IRA CD - 3 Years
$500
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Effective September 18, 2026; IRA Accounts

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYOct 21, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
  • Oct 21, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA 36 Month Bump
$2,500
3.70% ▲ 1.32% above Illinois avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.32% above avgNationally 2.81%
Details

Traditional IRA Bump Rate certificate; rate may be bumped once per renewal period; Interest compounded and credited quarterly

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026

Bellwood 48 Month CD Rates

Illinois 48 Month CD Average2.42% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Month CD
$0
4.50% ▲ 2.08% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 2.08% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.93% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.93% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
48 Month Certificate of Deposit
$1,000
4.22% ▲ 1.80% above Illinois avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.80% above avgNationally 2.81%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 182 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
3.18%3.96%4.74%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.22% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.22%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.78% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.78% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.76% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.76% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18% ▲ 1.76% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.76% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
48 Month Certificates of Deposit (CD)
$2,500
4.15% ▲ 1.73% above Illinois avg
View
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.73% above avgNationally 2.81%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 48 Months
$1,000
4.15% ▲ 1.73% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.73% above avgNationally 2.81%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.70% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.70% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12% ▲ 1.70% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.70% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$0
4.10% ▲ 1.68% above Illinois avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.68% above avgNationally 2.81%
Details

Balance: $20,000 and over; Interest paid or Compounded Quarterly

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.10% ▲ 0.49 pts · high 4.10% / low 3.61%
3.11%3.85%4.60%Sep 14, 2026: 3.61% APYOct 22, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.10%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.62% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.62% above avgNationally 2.81%
Details

Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 48 Mo.
$0
4.00% ▲ 1.58% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month Certificate
$0
4.00% ▲ 1.58% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificate
$0
4.00% ▲ 1.58% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificate (Roth, Traditional, Education)
$0
4.00% ▲ 1.58% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.58% above avgNationally 2.81%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Certificates of Deposit - 48 Month
$1,000
3.98% ▲ 1.56% above Illinois avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 21, 2026: 3.98% APYOct 21, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.97% ▲ 1.55% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.55% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 48 Month
$0
3.97% ▲ 1.55% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 1.55% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$0
3.91% ▲ 1.49% above Illinois avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.49% above avgNationally 2.81%
Details

Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly

Rate History
1 change since Sep 28, 2026 · 3.41% → 3.91% ▲ 0.50 pts · high 3.91% / low 3.41%
2.91%3.66%4.41%Sep 28, 2026: 3.41% APYOct 22, 2026: 3.91% APYSep 28, 2026Oct 25, 2026
  • Oct 22, 20263.91%▲ from 3.41%
  • Sep 28, 20263.41%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificate of Deposit - 48 Month
$500
3.87% ▲ 1.45% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.45% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 14, 2026: 3.87% APYOct 14, 2026Oct 25, 2026
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Ladder CD 4 Year
$10,000
3.85% ▲ 1.43% above Illinois avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.43% above avgNationally 2.81%
Details

Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48 Month Certificate of Deposit
$0
3.82% ▲ 1.40% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 20, 2026: 3.30% APYOct 3, 2026: 3.82% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20263.82%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Certificate of Deposit - 48 month
$0
3.82% ▲ 1.40% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 4 Year Certificate
$0
3.81% ▲ 1.39% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.39% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
CD - 48 Months
$500
3.80% ▲ 1.38% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.38% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.15% → 3.80% ▲ 0.65 pts · high 3.80% / low 3.15%
2.50%3.47%4.45%Sep 11, 2026: 3.15% APYSep 19, 2026: 3.80% APYSep 11, 2026Oct 25, 2026
  • Sep 19, 20263.80%▲ from 3.15%
  • Sep 11, 20263.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4 Year Share Certificate
$500
3.80% ▲ 1.38% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.38% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 day dividend

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
48 Month Certificate of Deposit
$1,000
3.75% ▲ 1.33% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75% ▲ 1.33% above Illinois avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.33% above avgNationally 2.81%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$0
3.74% ▲ 1.32% above Illinois avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.32% above avgNationally 2.81%
Details

Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly

Rate History
1 change since Sep 28, 2026 · 3.25% → 3.74% ▲ 0.49 pts · high 3.74% / low 3.25%
2.75%3.50%4.24%Sep 28, 2026: 3.25% APYOct 22, 2026: 3.74% APYSep 28, 2026Oct 25, 2026
  • Oct 22, 20263.74%▲ from 3.25%
  • Sep 28, 20263.25%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.28% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Jumbo Share Certificate
$0
3.70% ▲ 1.28% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Share Certificates - 48 month CD
$500
3.70% ▲ 1.28% above Illinois avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.28% above avgNationally 2.81%
Details

Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month IRA Certificate
$0
3.65% ▲ 1.23% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Share Certificate
$0
3.65% ▲ 1.23% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
48-Month CD
$5
3.65% ▲ 1.23% above Illinois avg
View
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 25, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
Certificate of Deposit - 48 Months
$1,000
3.65% ▲ 1.23% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
48 Month Certificate
$0
3.61% ▲ 1.19% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.19% above avgNationally 2.81%
Details

180 day early withdrawal penalty

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
2.90%3.51%4.11%Sep 14, 2026: 3.40% APYOct 19, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.61%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 Month Certificates of Deposit
$0
3.60% ▲ 1.18% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 25, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Certificates of Deposit - 48 Months
$0
3.60% ▲ 1.18% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month CD / IRA
$0
3.60% ▲ 1.18% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month Certificate of Deposit
$0
3.60% ▲ 1.18% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Minimum Balance: $100,000

Rate History
2 changes since Sep 24, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
2.80%3.45%4.10%Sep 24, 2026: 3.30% APYOct 7, 2026: 3.40% APYOct 21, 2026: 3.60% APYSep 24, 2026Oct 25, 2026
  • Oct 21, 20263.60%▲ from 3.40%
  • Oct 7, 20263.40%▲ from 3.30%
  • Sep 24, 20263.30%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$100,000
3.60% ▲ 1.18% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.18% above avgNationally 2.81%
Details

Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
48 Month CD
$5,000
3.56% ▲ 1.14% above Illinois avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.14% above avgNationally 2.81%
Details

Balance: $5,000.00 - and up

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$50,000
3.55% ▲ 1.13% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Certificate of Deposit - 48 month
$500
3.55% ▲ 1.13% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Compounding and crediting: Annually

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
48 Month Jumbo CD
$50,000
3.55% ▲ 1.13% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Certificate Accounts - 48 Months
$100,000
3.55% ▲ 1.13% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo HSA Certificate - 48 MONTHS
$100,000
3.55% ▲ 1.13% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo IRA Certificate Account - 48 MONTHS
$100,000
3.55% ▲ 1.13% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 1.13% above avgNationally 2.81%
Details

Traditional & Roth IRA Certificate; Dividend Rate 3.49%

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded

Bellwood 60 Month CD Rates

Illinois 60 Month CD Average2.50% APYNational 2.92%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL 60104
60 Month Certificate/IRA Certificate
$1,000
3.00% ▲ 0.50% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.50% above avgNationally 2.92%
Details

Share Certificate; dividends compounded and credited monthly; IRA certificates may be opened as traditional or Roth IRAs; rates offered through 10/20/26

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYSep 26, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 26, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
60 Month Share Certificate
$0
4.75% ▲ 2.25% above Illinois avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 2.25% above avgNationally 2.92%
Details

APY = Annual Percentage Yield; Nominal Rate column

Rate History
No change since Oct 10, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 10, 2026: 4.75% APYOct 10, 2026Oct 25, 2026
First National Bank of Steeleville
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month CD
$0
4.50% ▲ 2.00% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 2.00% above avgNationally 2.92%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 - 60 Month Regular CD
$500
4.50% ▲ 2.00% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 2.00% above avgNationally 2.92%
Details

Standard rates as high as 4.50% APY; flexible 3 to 60-month terms; federally insured by NCUA up to $250,000 per depositor

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
5 Year Certificate of Deposit
$1,000
4.40% ▲ 1.90% above Illinois avg
View
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 6 Month Interest; Less Than $100,000; Rates not for public entities

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.40% ▲ 1.11 pts · high 4.40% / low 3.29%
2.18%3.85%5.51%Sep 14, 2026: 3.29% APYOct 7, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.90% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.92%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
60 Month Certificate of Deposit
$1,000
4.27% ▲ 1.77% above Illinois avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.77% above avgNationally 2.92%
Details

Compounding: Quarterly; Early Withdrawal Penalty: 273 days of Interest

Rate History
1 change since Oct 7, 2026 · 3.75% → 4.27% ▲ 0.52 pts · high 4.27% / low 3.75%
3.23%4.01%4.79%Oct 7, 2026: 3.75% APYOct 11, 2026: 4.27% APYOct 7, 2026Oct 25, 2026
  • Oct 11, 20264.27%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA
$0
4.25% ▲ 1.75% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.92%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
60 Month Certificates of Deposit (CD)
$2,500
4.20% ▲ 1.70% above Illinois avg
View
▼
Rate4.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.92%
Details

Minimum deposit to open a CD and obtain stated APY is $2,500.00; Early withdrawal penalty may apply

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.20%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
IRA Certificate - 60 Months
$1,000
4.20% ▲ 1.70% above Illinois avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.92%
Details

Individual Retirement Accounts (IRA) table; Minimum to open and obtain the APY disclosed: $1,000

Rate History
No change since Oct 20, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.68% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.68% above avgNationally 2.92%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 60 Months
$0
4.18% ▲ 1.68% above Illinois avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.68% above avgNationally 2.92%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 14, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Certificate of Deposit - 60 months
$0
4.15% ▲ 1.65% above Illinois avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.65% above avgNationally 2.92%
Details

Compounding: Monthly 4.23%; Quarterly 4.22%; Semi Annual 4.19%

Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.23% / low 3.45%
2.67%3.84%5.01%Sep 14, 2026: 3.45% APYOct 8, 2026: 4.23% APYOct 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.15%▼ from 4.23%
  • Oct 8, 20264.23%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.12% ▲ 1.62% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.62% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.12% ▲ 1.62% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.62% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
3.50%4.06%4.62%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month Certificate
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month HSA Certificate
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month IRA Certificate (Roth, Traditional, Education)
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.92%
Details

Minimum balance $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Certificates of Deposit - 60 Month
$1,000
4.08% ▲ 1.58% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.58% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 21, 2026: 4.08% APYOct 21, 2026Oct 25, 2026
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
60 Month Certificates of Deposit (CDs)
$1,000
4.04% ▲ 1.54% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.54% above avgNationally 2.92%
Details

Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate

Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
2.00%3.53%5.06%Sep 18, 2026: 3.02% APYSep 24, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.04%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit - 60 Mo.
$0
4.00% ▲ 1.50% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.50% above avgNationally 2.92%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.80% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Oct 11, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%▲ from 3.40%
  • Sep 11, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Certificate
$0
3.97% ▲ 1.47% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.47% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 3.97% ▲ 0.13 pts · high 3.97% / low 3.84%
3.34%3.91%4.47%Sep 14, 2026: 3.84% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 60 Month
$0
3.97% ▲ 1.47% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.47% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 1.40% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.40% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Certificate of Deposit - 60 Month
$500
3.87% ▲ 1.37% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.37% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 14, 2026: 3.87% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 1.35% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
CD - 60 Months
$500
3.85% ▲ 1.35% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.92%
Details

Rate History
1 change since Sep 11, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 11, 2026: 3.30% APYSep 19, 2026: 3.85% APYSep 11, 2026Oct 25, 2026
  • Sep 19, 20263.85%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60 Month Certificate of Deposit
$0
3.82% ▲ 1.32% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.32% above avgNationally 2.92%
Details

Rate History
1 change since Sep 20, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 20, 2026: 3.30% APYOct 3, 2026: 3.82% APYSep 20, 2026Oct 25, 2026
  • Oct 3, 20263.82%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Certificate of Deposit - 60 month
$0
3.82% ▲ 1.32% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.32% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 5 Year Certificate
$0
3.81% ▲ 1.31% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.31% above avgNationally 2.92%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
5 Year Share Certificate
$500
3.80% ▲ 1.30% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.30% above avgNationally 2.92%
Details

Early withdrawal penalty: 180 day dividend

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Ladder CD 5 Year
$10,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Kicker rate; requires at least three CDs opened simultaneously with staggered maturity terms (CD Ladder); valid for initial term only; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 20, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
60 Month Certificate of Deposit
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Over $25,000 (Geneseo/Andover); Geneseo/Andover

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Central Bank Illinois
Institution Rating:
A-5.0 ★Texas Ratio: 15.39%
Certificate of Deposit - 60 Months
$1,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Geneseo/Andover Branch Only; Balance: Under $25,000 (Geneseo/Andover); Rates effective 10/14/2026 - 10/21/2026

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month IRA
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Individual Retirement Account

Rate History
1 change since Sep 11, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 11, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 11, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month CD / IRA
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Balance: $100,000

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 25, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month Certificate of Deposit
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Minimum Balance: $100,000

Rate History
2 changes since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 24, 2026: 3.40% APYOct 7, 2026: 3.50% APYOct 21, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 21, 20263.75%▲ from 3.50%
  • Oct 7, 20263.50%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
60 Month Certificate of Deposit
$1,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA 60 Month
$1,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Traditional IRA certificate; Interest compounded and credited quarterly

Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Jumbo Share Certificates
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Traditional & Roth IRA Share Certificates
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.92%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.20% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.92%
Details

Balance: $75,000+; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Jumbo Share Certificate
$0
3.70% ▲ 1.20% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.92%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Roth IRA Certificate
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details

Balance: $50,000 and over

Rate History
No change since Oct 19, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 19, 2026: 3.66% APYOct 19, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Term Share Certificate
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details

Balance: $50,000.00 and over

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Traditional IRA Certificate
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details

Balance: $50,000 and over

Rate History
No change since Oct 19, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 19, 2026: 3.66% APYOct 19, 2026Oct 25, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate - 60 Months
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.92%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Five Year Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month IRA Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details

Balance: $1,000$74,999; * Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Share Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Bellwood, Illinois Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
First Savings Bank of Hegewisch
18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.62%
Lindell Bank & Trust Company
Special Variable Rate IRA 18 Months
A+ 5.0 ★ TX: 1.91%
Min: $1,000
4.54%
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.50%
Fidelity Bank & Trust (IA)
24 Month CD
A 5.0 ★ TX: 12.05%
Min: $0
4.50%
First National Bank of Steeleville
48 Month CD
A+ 5.0 ★ TX: 1.53%
Min: $0
4.50%
CU Top 5 Credit Union Rates
Central Credit Union of Illinois
12 Month Certificate/IRA Certificate
A+ 5.0 ★ TX: 4.42%
Min: $1,000
3.00%
FIRST EAGLE
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
National Police Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
4.81%
United Equity Credit Union
60 Month Share Certificate
A+ 5.0 ★ TX: 0.71%
Min: $0
4.75%
Advia Credit Union
3 - 60 Month Regular CD
A+ 5.0 ★ TX: 5.38%
Min: $500
4.50%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Bellwood, IL CD Rate Trends

Compare local Bellwood, IL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Illinois CD Trends
12-Month CD IL Avg
2.562%
▲ 0.021 vs 7 days ago

Illinois 12-month CD rates rose 0.021 points over the past 7 days to 2.562% APY.

6-Month CD IL Avg
2.311%
▲ 0.004 vs 7 days ago

Illinois 6-month CD rates rose 0.004 points over the past 7 days to 2.311% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

IL CD Rate Forecast, Next 12 Months

Where are Illinois CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

IL 12-Month Avg APY
2.562%
6-Month Forecast
2.562%
Range: 2.36%, 2.71%
12-Month Forecast
2.812%
Range: 2.61%, 2.96%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Illinois average 12-month CD APY in our database.

Spread model: The Illinois 12-month CD average currently trades 1.81% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at IL CD Rates Today

Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.

CD Term IL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.595% $79.73 $159.45 $398.63 $797.25
6-Month CD 2.311% $115.53 $231.06 $577.65 $1,155.30
12-Month CD 2.562% $128.09 $256.18 $640.45 $1,280.90
18-Month CD 2.437% $121.87 $243.74 $609.35 $1,218.70
24-Month CD 2.479% $123.95 $247.91 $619.78 $1,239.55
36-Month CD 2.377% $118.87 $237.73 $594.32 $1,188.65
48-Month CD 2.421% $121.07 $242.13 $605.32 $1,210.65
60-Month CD 2.496% $124.82 $249.63 $624.08 $1,248.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Bellwood, 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.

Build Your Ladder
Rung Term Deposit IL Avg APY Annual Earnings
1 3-Month CD $5,000 1.595% $79.73
2 6-Month CD $5,000 2.311% $115.53
3 12-Month CD $5,000 2.562% $128.09
4 24-Month CD $5,000 2.479% $123.95
5 36-Month CD $5,000 2.377% $118.87
Total ($25,000 invested) $25,000 2.265% blended $566.17/yr

Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
2,260
CD Rates
Tracked in Bellwood, Illinois
85 Banks 64 Credit Unions

About Our Bellwood, Illinois CD Rate Database

MonitorBankRates tracks 2,260 CD rates from 85 banks and 64 credit unions with locations in Bellwood, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Central Credit Union of Illinois offers a CD at 3.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Bellwood, Illinois.

How to Find the Best CD Rates in Bellwood, Illinois

What to compare when shopping for a CD in Bellwood, Illinois

To find the best APYs in Bellwood, Illinois, start with credit unions and online-only banks: Bellwood, Illinois has 64 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 Bellwood, 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 Bellwood, Illinois: 149 institutions here report CD rates

Consider an Alternative If…

Bellwood, Illinois Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.0%
National avg: 17.3%
Median Individual Earnings
$39,264
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$101/yr
At IL 12-mo avg 2.562% APY

16.0% of residents are 65 or older, below the national average of 17.3%. At today’s IL 12-month CD average of 2.562%, saving 10% of the local median salary ($3,926/year) and putting it in a CD would earn an additional $101 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 Bellwood, Illinois

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Bellwood, 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 Bellwood, 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 Bellwood, Illinois as everywhere in the U.S.

Choosing a CD Term in Bellwood, 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 Bellwood, Illinois savers easier access to their funds. For example, Central Credit Union of Illinois is offering its 6 Month Certificate/IRA Certificate at 3.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Central Credit Union of Illinois is offering its 60 Month Certificate/IRA Certificate at 3.00% 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 Bellwood, 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 Bellwood, 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 Bellwood, 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 Bellwood, 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 Bellwood, Illinois

Most CDs carry a fixed rate that is locked for the entire term, protecting a Bellwood, 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 Bellwood, Illinois

Are CD rates in Bellwood, Illinois FDIC insured?

Yes, most established banks in Bellwood, 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 Bellwood, 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 Bellwood, 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 Bellwood, 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 Bellwood, Illinois?

Here are recent top rates found for this area:
  • Central Credit Union of Illinois: 3.00% APY (12 Month Certificate/IRA Certificate)
  • FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • United Equity Credit Union: 4.75% APY (60 Month Share Certificate)
  • First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
  • Lindell Bank & Trust Company: 4.54% APY (Special Variable Rate IRA 18 Months)
  • CIBC: 4.50% APY (12-month CD)
  • Fidelity Bank & Trust (IA): 4.50% APY (24 Month CD)
  • First National Bank of Steeleville: 4.50% APY (48 Month CD)
  • Advia Credit Union: 4.50% APY (3 - 60 Month Regular CD)
Rates reflect recent verified offers available in Bellwood, Illinois. Last Updated: October 23, 2026

Bellwood, Illinois CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Bellwood, Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Bellwood, Illinois CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Bellwood, Illinois. Averages shown use the Illinois state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Bellwood, Illinois

Bellwood, Illinois CD Calculator

At today’s IL top rate of 3.00% APY, a $10,000 deposit earns $300 in the first year. Enter your amount to see your exact return.

Bellwood, Illinois CD Ladder

IL CD rates currently range from 1.595% (3-month) to 2.377% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Bellwood, Illinois CD at 3.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Illinois’s average 12-month CD is 2.562% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bellwood, 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 Bellwood, 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 Bellwood, Illinois. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

Bellwood, Illinois Rates & Resources

$
Bellwood, Illinois Mortgage Rates
$
Bellwood, Illinois Refinance Rates
$
Bellwood, Illinois Home Equity Loan Rates
$
Bellwood, Illinois Savings Rates
$
Bellwood, Illinois Money Market Rates
$
Bellwood, Illinois Checking Rates
$
Bellwood, Illinois Auto Loan Rates
$
Bellwood, Illinois Personal Loan Rates
$
Bellwood, Illinois Homeowners Insurance
$
Bellwood, Illinois Car Insurance