Chicago, Illinois CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Chicago, Illinois CD rates include United Fidelity BankUnited Fidelity Bank1701 W 87th St, Chicago, IL 60620A+5.0 ★Texas Ratio: 0.81%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month CD at 4.25% APY, CIBCCIBC3040 W 111th Street, Chicago, IL 60655A+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union2500 N Halsted St, Chicago, IL 60614 6999A5.0 ★Texas Ratio: 8.72%Real return: +1.35%APY minus CPI (February 2026) offering 2-Year Certificate or IRA-HSA Jumbo at 4.15% APY, Policemens Federal Credit UnionPolicemens Federal Credit Union4100 W 76TH ST, CHICAGO, IL 60652 5600A+5.0 ★Texas Ratio: 0.46%Real return: +1.30%APY minus CPI (February 2026) offering 6 months at 4.10% APY, and State Bank of TexasState Bank of Texas2615 W Devon Ave, Chicago, IL 60659A+5.0 ★Texas Ratio: 2.36%Real return: +1.25%APY minus CPI (February 2026) offering High-Rate Jumbo 12-Month CD at 4.05% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Chicago has 184 local institutions in our database, with CD rates as high as 4.25% APY from United Fidelity Bank at 1701 W 87th St, Chicago, IL 60620. 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Chicago, Illinois & the Surrounding Area
Chicago 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
3 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
1011 W Lawrence Ave, Chicago, IL 60640 5017
3 mo Share Certificate
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
90 Days
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Months (91 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
APY is accurate as of 06/18/2026.
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances $50,000.00 or Greater
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances $1,000.00 to $49,999.99
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Months CD
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business 3 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
91 Day CD (3 Months)
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
3 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.00%
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 90 days interest
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
HSA Certificate Accounts 3 MONTHS
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Business 3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty for Early Withdrawal: 90 Days*
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Penalty for Early Withdrawal: 90 Days*
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Chicago 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 months
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA Jumbo
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL 60661
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
6 Month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
6 Month Cert.
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
6 Month Certificate
$10
2.50%
▼
Rate2.48%
Min Deposit$10
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding $10 minimum additions allowed
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
6 month
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
6 Months
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 6 Months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 6 Months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 6 months
$0
1.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 6 months
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
6 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2212 W Cermak Rd, Chicago, IL 60608
6 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Interest Paid: At maturity
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
1011 W Lawrence Ave, Chicago, IL 60640 5017
6 mo Share Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
77th Street Depot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
5401 S Wentworth Ave Ste 26, Chicago, IL 60609 6300
6 Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
6 Month Certificate of Deposit
$2,000
0.25%
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
6 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 months CD Special
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
4 terms to fit your needs-6, 12, 18, and 24-month special. Call or stop in for full details.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
6 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
As Low As; 4.05%
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 6 Month CD
$1,000
4.00%
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
6 months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month
$1,000
3.84%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6 month CD
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
6 Month Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.70%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Months (182 Days)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month IRA
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Months Certificate of Deposit/IRA
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Paid at Maturity; Early Withdrawal Penalty: 90 days of Interest
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6-month CD special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
No compounding, interest paid at maturity
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
SPECIAL CD RATES: LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Diamond APY
Chicago 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only. Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity.
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
13323 S Baltimore Ave, Chicago, IL 60633
12-month CD/IRA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
12 months (1 year)
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
12 Month Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
12-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
12 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 12 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 12 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
12 Month Certificate
$10
3.00%
▼
Rate2.97%
Min Deposit$10
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding $10 minimum additions allowed
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
12 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
12 Months
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
525 W Roosevelt Rd, Chicago, IL 60607 4908
12-month Share/IRA Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 12 months
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
1 year Standard Interest Rate
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Wacker Dr, Chicago, IL 60606
1 year Standard Interest Rate
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
12 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 12 months
$0
1.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
Albany B&T Co. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3400 W Lawrence Ave, Chicago, IL 60625
1 Year
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Albany B&T Co. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3400 W Lawrence Ave, Chicago, IL 60625
12 Months
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2212 W Cermak Rd, Chicago, IL 60608
1 Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Interest Paid: Quarterly
77th Street Depot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
5401 S Wentworth Ave Ste 26, Chicago, IL 60609 6300
12 Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
12 Months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
77th Street Depot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
5401 S Wentworth Ave Ste 26, Chicago, IL 60609 6300
12 Month CD
$5,000
0.25%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 6, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
12 Month Certificate of Deposit
$2,000
0.25%
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
1 Year Certificate
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
77th Street Depot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
5401 S Wentworth Ave Ste 26, Chicago, IL 60609 6300
12 Month CD
$50
0.15%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJul 6, 2026
Details
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
12 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
11 Month Special - New Money Only, Renews to 1 Year
$100
4.21%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
New Money Only, Renews to 1 Year
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 12 Month CD
$1,000
4.10%
▼
Rate4.06%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY = Annual Percentage Yield. Minimum opening deposit required. Penalty may apply for early withdrawal. Offer subject to change without notice. Contact the credit union for complete details.
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 month CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 months CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1 year
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Chicago 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1701 W 87th St, Chicago, IL 60620
18-Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Rates subject to change
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Featured rate. Online Only.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
18 Month Variable Rate Certificate
$1,000
4.04%
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 months
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
525 W Roosevelt Rd, Chicago, IL 60607 4908
18-month Share/IRA Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
18 Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 18 months
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
18 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Albany B&T Co. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3400 W Lawrence Ave, Chicago, IL 60625
18 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Floating
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 18 months
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
18 Months
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
18 Month Certificate of Deposit
$2,000
0.25%
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
18 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 months CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month CD
$2,000
3.80%
▼
Rate3.76%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Variable Rate
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 18 Months
$1,000
3.68%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Jumbo rate quoted upon request, depending upon maturity of the certificate. (minimum $100,000)
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
IRA Certificate 18 Month
$0
3.59%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 month
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Variable Rate Compounded Monthly
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Share Certificates 18 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Chicago 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 months (2 years)
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
24 month
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 months (2 years)
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
30 months (2 1/2 years)
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
24 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
24 Month Certificate
$5,000
3.00%
▼
Rate2.97%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
Daily compounding. IRA funds permitted. No business funds permitted
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3040 W 111th Street, Chicago, IL 60655
24-month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 24 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 24 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
525 W Roosevelt Rd, Chicago, IL 60607 4908
24-month Share/IRA Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
24 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
3 1/2 Year Certificate
$500
2.00%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 24 months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
24 Month
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Albany B&T Co. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3400 W Lawrence Ave, Chicago, IL 60625
2 1/2 Years
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
24 Month Certificate of Deposit
$2,000
1.50%
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
2 1/2 Year Certificate
$500
1.50%
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 24 months
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
24 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2212 W Cermak Rd, Chicago, IL 60608
2 Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Interest Paid: Quarterly
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
24 Months
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 months (2 years)
$500
0.50%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
2 Year Certificate
$500
0.35%
▼
Rate0.34%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
1 1/2 Year Certificate
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
24 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lock in a competitive rate with our 24-month CD - open online in minutes.
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month CD
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2 years jumbo
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD
$2,000
3.81%
▼
Rate3.77%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month CD
$20,000
3.70%
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedJul 25, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Months Certificate of Deposit/IRA
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
IRA Certificate 24 Month
$0
3.62%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Chicago 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 36 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 36 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 36-month term. Early withdrawal penalties may be imposed.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
36 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL 60622
3 Years
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
3 Years
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
36 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
36 month
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 36 months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 36 months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
36 Month
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
36 Month Certificate of Deposit
$2,000
1.50%
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
36 Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
36 Months
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2212 W Cermak Rd, Chicago, IL 60608
3 Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Interest Paid: Quarterly
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
36 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
3 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Certificate
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
IRA Certificate 36 Month
$0
3.64%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
36 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Chicago 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates over $20,000
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 48-month term.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL 60652 5600
4 years
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Certificates $500 to $20,000
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
48 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
48 month
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 48 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 48 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
48 Month
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
13220 S Baltimore Ave, Chicago, IL 60633
College Savers 3 or 4 Year Certificate
$50
1.85%
▼
Rate1.79%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Quarterly compounding, $10.00 min. additions
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
48 Month Certificate of Deposit
$2,000
1.75%
▼
Rate1.71%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
48 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1747 W North Ave, Chicago, IL 60622
48 Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7757 W Devon Ave, Chicago, IL 60631
48 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
48 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Months Certificate of Deposit/IRA
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business 48 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Jumbo IRA Certificate Accounts 48 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
48 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Chicago 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL 60661
60-Month Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.46%
3040 S Halsted St, Chicago, IL 60608
60 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificate 60 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL 60637
60 month
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate (Traditional, Roth or Educational) 60 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus (Traditional, Roth or Educational) 60 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL 60606
Share Certificates 60 months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
$2,500 - $24,999.99
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL 60601
60 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
60 Month
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Albany B&T Co. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3400 W Lawrence Ave, Chicago, IL 60625
5 Years
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
North Side Federal S&L of Chicago
Institution Rating:
B-4.3 ★Texas Ratio: 23.91%
5159 N Clark St, Chicago, IL 60640
60 Month Certificate of Deposit
$2,000
1.50%
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Midland Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4040 S Archer Ave, Chicago, IL 60632
60 Months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
2212 W Cermak Rd, Chicago, IL 60608
5 Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Interest Paid: Quarterly
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4786 N Milwaukee Ave, Chicago, IL 60630
5 Year Certificate
$500
0.50%
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5-Year Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY = Annual Percentage Yield is the rate that is earned if the funds are left to compound for one year. All dividends are paid monthly based on the daily average balance. Rates subject to change monthly. The nominal rate is the rate used to calculate the monthly dividend.
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
5 years
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Months Certificate of Deposit/IRA
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 273 days of Interest
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
60 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
18, 30, or 60 month CD Special
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield. The stated APY is accurate as of 6/15/26. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 7-Month CD and 13-Month CD will automatically renew to a term of 182-Day and 12-Months, respectively.
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
*** Minimum balance of $10,000 is required.
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business 60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
60 Month CD/IRA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Months CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
3.30%
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
Compounding Frequency: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Jumbo IRA Certificate Accounts 60 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Chicago, IL CD Rate Trends
Compare local Chicago, 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.
12-Month CD — IL Avg
2.292%
▲ 0.023 vs 7 days ago
Illinois 12-month CD rates rose 0.023 points over the past 7 days to 2.292% APY.
6-Month CD — IL Avg
2.161%
▲ 0.012 vs 7 days ago
Illinois 6-month CD rates rose 0.012 points over the past 7 days to 2.161% APY.
As of Jul 27, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.292%
6-Month Forecast
2.292%
Range: 2.09% – 2.44%
12-Month Forecast
2.042%
Range: 1.84% – 2.19%
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What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.802% | $90.12 | $180.24 | $450.60 | $901.20 |
| 6-Month CD | 2.161% | $108.03 | $216.05 | $540.13 | $1,080.25 |
| 12-Month CD | 2.292% | $114.62 | $229.24 | $573.10 | $1,146.20 |
| 18-Month CD | 2.221% | $111.06 | $222.12 | $555.30 | $1,110.60 |
| 24-Month CD | 2.211% | $110.56 | $221.12 | $552.80 | $1,105.60 |
| 36-Month CD | 2.195% | $109.75 | $219.49 | $548.73 | $1,097.45 |
| 48-Month CD | 2.466% | $123.28 | $246.56 | $616.40 | $1,232.80 |
| 60-Month CD | 2.341% | $117.03 | $234.05 | $585.13 | $1,170.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Chicago, Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.802% | $90.12 |
| 2 | 6-Month CD | $5,000 | 2.161% | $108.03 |
| 3 | 12-Month CD | $5,000 | 2.292% | $114.62 |
| 4 | 24-Month CD | $5,000 | 2.211% | $110.56 |
| 5 | 36-Month CD | $5,000 | 2.195% | $109.75 |
| Total ($25,000 invested) | $25,000 | 2.132% blended | $533.08/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,098
CD Rates
Tracked in Chicago, Illinois
Tracked in Chicago, Illinois
73 Banks
57 Credit Unions
About Our Chicago, Illinois CD Rate Database
MonitorBankRates tracks 1,098 CD rates from 73 banks and 57 credit unions with locations in Chicago, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: United Fidelity Bank offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Chicago, Illinois.
How to Find the Best CD Rates in Chicago, Illinois
What to compare when shopping for a CD in Chicago, Illinois
To find the best APYs in Chicago, Illinois, start with credit unions and online-only banks — Chicago, Illinois has 57 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Chicago, 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 Chicago, Illinois — 130 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Chicago, Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Chicago, Illinois money market rates
Chicago, Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.8%
National avg: 17.3%
Median Individual Earnings
$49,320
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
8.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At IL 12-mo avg 2.292% APY
13.8% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 8.0% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s IL 12-month CD average of 2.292%, saving 10% of the local median salary ($4,932/year) and putting it in a CD would earn an additional $113 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 Chicago, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Chicago, 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 Chicago, 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 Chicago, Illinois as everywhere in the U.S.
Choosing a CD Term in Chicago, 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 Chicago, Illinois savers easier access to their funds. For example, Policemens Federal Credit Union is offering its 6 months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Michigan State University Federal Credit Union is offering its 5-Year Certificate or IRA-HSA Jumbo at 3.90% 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Chicago, 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 Chicago, Illinois
Are CD rates in Chicago, Illinois FDIC insured?
Yes, most established banks in Chicago, 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 Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois?
Here are recent top rates found for this area:
- United Fidelity Bank: 4.25% APY (18-Month CD)
- CIBC: 4.15% APY (18-month CD)
- Michigan State University Federal Credit Union: 4.15% APY (2-Year Certificate or IRA-HSA Jumbo)
- Policemens Federal Credit Union: 4.10% APY (6 months)
- State Bank of Texas: 4.05% APY (High-Rate Jumbo 12-Month CD)
- First Savings Bank of Hegewisch: 4.04% APY (18 Month Variable Rate Certificate)
- First Merchants Bank: 4.00% APY (12-month CD/IRA)
- Waterman Bank: 3.82% APY (6 Month)
- Selfreliance Federal Credit Union: 3.79% APY (6 Month)
- Corporate America Family Credit Union: 3.75% APY (18-Month Share Certificate)
Rates reflect recent verified offers available in Chicago, Illinois. Last Updated: July 25, 2026
CD Calculators for Chicago, Illinois
Chicago, Illinois CD Calculator
At today’s IL top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Chicago, Illinois CD LadderIL CD rates currently range from 1.802% (3-month) to 2.195% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Chicago, Illinois CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.292% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chicago, 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 Chicago, 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 Chicago, Illinois. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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