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CD Rate Trends

Chicago, Illinois Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| 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

Chicago, Illinois CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Chicago, Illinois CD rates include National Police Federal Credit UnionNational Police Federal Credit Union1407 W Washington Blvd, Chicago, IL 60607 1820A+5.0 ★Texas Ratio: 4.12%Real return: +1.11%APY minus CPIRate verified Oct 23, 2026 offering 24-Month IRA at 4.81% APY, First Savings Bank of HegewischFirst Savings Bank of Hegewisch13220 S Baltimore Ave, Chicago, IL 60633A+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, CIBCCIBC3040 W 111th Street, Chicago, IL 60655A+5.0 ★Texas Ratio: 5.05%Real return: +0.80%APY minus CPIRate verified Oct 20, 2026 offering 12-month CD at 4.50% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union2500 N Halsted St, Chicago, IL 60614 6999A5.0 ★Texas Ratio: 9.64%Real return: +0.70%APY minus CPIRate verified Oct 23, 2026 offering 5-Year Certificate or IRA-HSA Jumbo at 4.40% APY, and Planites Credit UnionPlanites Credit Union300 E Randolph ST, Chicago, IL 60601 5014A+5.0 ★Texas Ratio: 3.17%Real return: +0.70%APY minus CPIRate verified Oct 19, 2026 offering Investment Certificates - 1 Year at 4.40% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Chicago has 492 local institutions in our database, with CD rates as high as 4.81% APY from National Police Federal Credit Union at 1407 W Washington Blvd, Chicago, IL 60607 1820. 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 Chicago, Illinois & the Surrounding Area

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

Chicago 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
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 3 Months
$500
4.08% ▲ 2.49% above Illinois avg
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
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
3 Month Certificates
$0
3.90% ▲ 2.31% above Illinois avg
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
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 90 Days
$0
3.75% ▲ 2.16% above Illinois avg
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%
300 E Randolph ST, Chicago, IL 60601 5014
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
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
3-Month Certificate of Deposit
$500
3.55% ▲ 1.96% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.81% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.66% above Illinois avg
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
3 Month IRA Certificate
$0
3.10% ▲ 1.51% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
11545 W Touhy Ave, Chicago, IL 60666
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
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$100,000
2.80% ▲ 1.21% above Illinois avg
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%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
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
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 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

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
3 Month Certificate
$1,000
2.75% ▲ 1.16% above Illinois avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▲ 1.16% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 3 Month
$0
1.25% ▼ 0.34% below Illinois avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 0.34% below avgNationally 2.13%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
3 Month Jumbo Share Certificate
$100,000
1.12% ▼ 0.47% below Illinois avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▼ 0.47% below avgNationally 2.13%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 2 times
0.62%1.12%1.62%Oct 15, 2026: 1.12% APYOct 15, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
3 Month Share Certificate
$500
1.02% ▼ 0.57% below Illinois avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▼ 0.57% below avgNationally 2.13%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 15, 2026: 1.02% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20261.02%▼ from 1.12%
  • Sep 25, 20261.12%first recorded
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
5000 N Elston Ave, Chicago, IL 60630
Certificates of Deposit - 3 Months
$0
1.00% ▼ 0.59% below Illinois avg
View
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 0.59% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 25, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 3 Months
$0
1.00% ▼ 0.59% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average1.59%▼ 0.59% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL 60640 5017
3 mo Share Certificate
$1,000
0.35% ▼ 1.24% below Illinois avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▼ 1.24% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 25, 2026
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
Certificate of Deposit - 3 Months
$0
0.25% ▼ 1.34% below Illinois avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average1.59%▼ 1.34% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10 S Wacker Dr, Chicago, IL 60606
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 1.53% below Illinois avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 1.53% below avgNationally 2.13%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10 S Wacker Dr, Chicago, IL 60606
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 1.54% below Illinois avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 1.54% below avgNationally 2.13%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
7757 W Devon Ave, Chicago, IL 60631
Certificates of Deposit - 90 Days
$0
0.05% ▼ 1.54% below Illinois avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▼ 1.54% below avgNationally 2.13%
Details

Interest Compounded: Quarterly

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 1.54% below Illinois avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▼ 1.54% below avgNationally 2.13%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
3 Month Standard CD
$1,000
0.05% ▼ 1.54% below Illinois avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average1.59%▼ 1.54% below avgNationally 2.13%
Details

Balance: up to $100,000; Rates for ZIP code 60603

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.56% below Illinois avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 1.56% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
Certificate of Deposit - 3 Month
$2,500
0.03% ▼ 1.56% below Illinois avg
View
▼
Rate0.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▼ 1.56% below avgNationally 2.13%
Details

Standard Rates; Minimum to Open $2,500

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.57% below Illinois avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 1.57% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
5200 N Central Ave, Chicago, IL 60630
3 month CD
$1,000
0.02% ▼ 1.57% below Illinois avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average1.59%▼ 1.57% below avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 0.02% APY
0.00%0.26%0.52%Oct 22, 2026: 0.02% APYOct 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.58% below Illinois avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average1.59%▼ 1.58% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
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
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
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
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
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
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

Chicago 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
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
Share Certificate - 6 Months
$500
4.24% ▲ 1.93% above Illinois avg
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
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1701 W 87th St, Chicago, IL 60620
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
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
6 Month Share Certificate
$500
4.10% ▲ 1.79% above Illinois avg
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
6-month CD
$1,000
4.00% ▲ 1.69% above Illinois avg
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
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 6 Month
$0
3.95% ▲ 1.64% above Illinois avg
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%
2332 W Chicago Ave, Chicago, IL 60622
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%
2500 N Halsted St, Chicago, IL 60614 6999
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
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
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%
557 W Randolph St, Chicago, IL 60661
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%
557 W Randolph St, Chicago, IL 60661
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%
557 W Randolph St, Chicago, IL 60661
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%
6230 S Central Ave, Chicago, IL 60638
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
6-Month Certificate or IRA-HSA
$0
3.80% ▲ 1.49% above Illinois avg
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
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 6 Months
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
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%
300 E Randolph ST, Chicago, IL 60601 5014
IRA Account - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.78%
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month IRA Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.78%
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 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Jumbo IRA Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 30, 2026: 3.60% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Jumbo Share Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.78%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 30, 2026: 3.60% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
6 Month Share Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.78%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$100,000
3.55% ▲ 1.24% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.24% above avgNationally 2.78%
Details

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

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
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Certificate of Deposit
$500
3.50% ▲ 1.19% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.78%
Details

Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
6-Month Fixed Rate CD
$0
3.50% ▲ 1.19% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
6 Month Certificate
$1,000
3.50% ▲ 1.19% above Illinois avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$50,000
3.50% ▲ 1.19% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.19% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
6 Month Share Certificate
$1,000
3.35% ▲ 1.04% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 1.04% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
6-Month Share Certificate
$0
3.30% ▲ 0.99% above Illinois avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 0.99% above avgNationally 2.78%
Details

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 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
6-Month Share Certificate
$0
3.25% ▲ 0.94% above Illinois avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 0.94% above avgNationally 2.78%
Details

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 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
6 Month Jumbo Share Certificate
$100,000
3.16% ▲ 0.85% above Illinois avg
View
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 0.85% above avgNationally 2.78%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.16% APY · checked 2 times
2.66%3.16%3.66%Oct 15, 2026: 3.16% APYOct 15, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
6 Month Share Certificate
$500
3.05% ▲ 0.74% above Illinois avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.31%▲ 0.74% above avgNationally 2.78%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
2.55%3.11%3.66%Sep 25, 2026: 3.16% APYOct 15, 2026: 3.05% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.05%▼ from 3.16%
  • Sep 25, 20263.16%first recorded
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 6 Month
$0
2.78% ▲ 0.47% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 0.47% above avgNationally 2.78%
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
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 6 Month
$0
2.78% ▲ 0.47% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▲ 0.47% above avgNationally 2.78%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
IRA 6 Month Certificate
$10
2.75% ▲ 0.44% above Illinois avg
View
▼
Rate2.72%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.31%▲ 0.44% above avgNationally 2.78%
Details

Quarterly compounding; $10 minimum additions allowed

Rate History
No change since Oct 21, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 21, 2026: 2.75% APYOct 21, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 6 month
$0
2.28% ▼ 0.03% below Illinois avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.03% below avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 2.28% APY · checked 2 times
1.78%2.28%2.78%Oct 13, 2026: 2.28% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Jumbo Share Certificates
$0
2.25% ▼ 0.06% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Traditional & Roth IRA Share Certificates
$0
2.25% ▼ 0.06% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 6 Months
$1,000
2.10% ▼ 0.21% below Illinois avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.78%
Details

Regular certificates only; 6 month CD terms are not available for IRA certificates

Rate History
No change since Oct 19, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 19, 2026: 2.10% APYOct 19, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Share Certificates
$0
2.10% ▼ 0.21% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 13, 2026: 2.10% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Traditional & Roth IRA Share Certificates
$0
2.10% ▼ 0.21% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.21% below avgNationally 2.78%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 13, 2026: 2.10% APYOct 13, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
6 Month Share Certificates
$0
2.00% ▼ 0.31% below Illinois avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
6 Month Certificate
$10,000
2.00% ▼ 0.31% below Illinois avg
View
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 6 Months
$10,000
2.00% ▼ 0.31% below Illinois avg
View
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 19, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 19, 2026: 2.00% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 6 Months
$1,000
2.00% ▼ 0.31% below Illinois avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 6 Months
$10,000
2.00% ▼ 0.31% below Illinois avg
View
▼
Rate1.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
6 Month Certificate
$100,000
1.85% ▼ 0.46% below Illinois avg
View
▼
Rate1.84%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▼ 0.46% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 7 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
6 Month Certificate
$1,000
1.80% ▼ 0.51% below Illinois avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
6 Month Share Certificates
$0
1.80% ▼ 0.51% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.78%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 1.30% → 1.80% ▲ 0.50 pts · high 1.80% / low 1.30%
0.80%1.55%2.30%Sep 18, 2026: 1.30% APYOct 1, 2026: 1.80% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20261.80%▲ from 1.30%
  • Sep 18, 20261.30%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
Traditional & Roth IRA Share Certificates - 6 months
$0
1.80% ▼ 0.51% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.31%▼ 0.51% below avgNationally 2.78%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 1.30% → 1.80% ▲ 0.50 pts · high 1.80% / low 1.30%
0.80%1.55%2.30%Sep 14, 2026: 1.30% APYOct 1, 2026: 1.80% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20261.80%▲ from 1.30%
  • Sep 14, 20261.30%first recorded
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 6 Month
$0
1.25% ▼ 1.06% below Illinois avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.31%▼ 1.06% below avgNationally 2.78%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
5200 N Central Ave, Chicago, IL 60630
6 month CD
$1,000
1.00% ▼ 1.31% below Illinois avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.31%▼ 1.31% below avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026

Chicago 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
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1407 W Washington Blvd, Chicago, IL 60607 1820
12-Month IRA
$0
4.60% ▲ 2.04% above Illinois avg
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%
3040 W 111th Street, Chicago, IL 60655
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
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
300 E Randolph ST, Chicago, IL 60601 5014
Investment Certificates - 1 Year
$0
4.40% ▲ 1.84% above Illinois avg
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
1407 W Washington Blvd, Chicago, IL 60607 1820
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
12 Month Jumbo IRA Certificate
$0
4.35% ▲ 1.79% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
6230 S Central Ave, Chicago, IL 60638
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
11545 W Touhy Ave, Chicago, IL 60666
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
State Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.15%
2615 W Devon Ave, Chicago, IL 60659
High-Rate Jumbo 12-Month CD
$100,000
4.25% ▲ 1.69% above Illinois avg
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 1 Year
$10,000
4.22% ▲ 1.66% above Illinois avg
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
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13323 S Baltimore Ave, Chicago, IL 60633
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
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05% ▲ 1.49% above Illinois avg
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
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 1 Year
$0
4.00% ▲ 1.44% above Illinois avg
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%
2332 W Chicago Ave, Chicago, IL 60622
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%
4100 W 76TH ST, CHICAGO, IL 60652 5600
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
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 12 Months
$0
3.98% ▲ 1.42% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.42% above avgNationally 2.99%
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%
3960 W 26th St, Chicago, IL 60623
Term Certificate - 12 Months
$0
3.98% ▲ 1.42% above Illinois avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.42% above avgNationally 2.99%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.98% ▲ 0.26 pts · high 3.98% / low 3.72%
3.22%3.85%4.48%Sep 14, 2026: 3.72% APYOct 22, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
1-Year Add-On Certificate or IRA-HSA
$0
3.90% ▲ 1.34% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.34% above avgNationally 2.99%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 18, 2026: 3.60% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.90%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 12 Months
$0
3.75% ▲ 1.19% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
1.75%3.25%4.75%Sep 14, 2026: 2.75% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.75%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$100,000
3.60% ▲ 1.04% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.04% above avgNationally 2.99%
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
12-Month Share Certificate
$0
3.56% ▲ 1.00% above Illinois avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 1.00% above avgNationally 2.99%
Details

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 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$50,000
3.55% ▲ 0.99% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.99% above avgNationally 2.99%
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
12-Month Share Certificate
$0
3.51% ▲ 0.95% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.95% above avgNationally 2.99%
Details

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 · 3.51% APY
3.01%3.51%4.01%Oct 22, 2026: 3.51% APYOct 22, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
12-Month Fixed Rate CD
$0
3.50% ▲ 0.94% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.56%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
1 Year Share Certificate
$1,000
3.40% ▲ 0.84% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.84% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
12 Month Jumbo Share Certificate
$100,000
3.31% ▲ 0.75% above Illinois avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 0.75% above avgNationally 2.99%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 2 times
2.81%3.31%3.81%Oct 15, 2026: 3.31% APYOct 15, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 12 month
$0
3.30% ▲ 0.74% above Illinois avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
12 Month Certificate of Deposit
$0
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
IRA 12 Month Certificate
$10
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.21%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Quarterly compounding; $10 minimum additions allowed

Rate History
No change since Oct 21, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
12 Month Certificate
$10,000
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 12 Months
$10,000
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 12 Months
$1,000
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 12 Months
$10,000
3.25% ▲ 0.69% above Illinois avg
View
▼
Rate3.20%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▲ 0.69% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
12 Month Share Certificate
$500
3.21% ▲ 0.65% above Illinois avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.56%▲ 0.65% above avgNationally 2.99%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 15, 2026: 3.21% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.21%▼ from 3.31%
  • Sep 25, 20263.31%first recorded
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Certificate of Deposit - 12 mo.
$0
3.05% ▲ 0.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.49% above avgNationally 2.99%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Ministry Certificate of Deposit - 12 mo.
$0
3.05% ▲ 0.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.49% above avgNationally 2.99%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Lakeside Bank IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
55 W Wacker Dr, Chicago, IL 60601
12-Month CD
$2,500
3.00% ▲ 0.44% above Illinois avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.44% above avgNationally 2.99%
Details

Maximum $250,000.00; interest compounded and credited quarterly; early withdrawal subject to penalty

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
1 Year Certificate
$2,500
3.00% ▲ 0.44% above Illinois avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.56%▲ 0.44% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 12 Month
$0
2.78% ▲ 0.22% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.22% above avgNationally 2.99%
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
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 12 Month
$0
2.78% ▲ 0.22% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▲ 0.22% above avgNationally 2.99%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Jumbo Share Certificates
$0
2.50% ▼ 0.06% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.06% below avgNationally 2.99%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Traditional & Roth IRA Share Certificates
$0
2.50% ▼ 0.06% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.06% below avgNationally 2.99%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Share Certificates
$0
2.35% ▼ 0.21% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.21% below avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 13, 2026: 2.35% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
12 Month Traditional & Roth IRA Share Certificates
$0
2.35% ▼ 0.21% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.21% below avgNationally 2.99%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 13, 2026: 2.35% APYOct 13, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
12 Month Certificate
$100,000
2.25% ▼ 0.31% below Illinois avg
View
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.56%▼ 0.31% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 12 Months+
$1,000
2.25% ▼ 0.31% below Illinois avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.31% below avgNationally 2.99%
Details

Includes Traditional IRA, Roth IRA and Coverdell Education Accounts; IRA terms start with the 12 month term; interest forfeited if account closed before accrued interest is posted

Rate History
No change since Oct 19, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 19, 2026: 2.25% APYOct 19, 2026Oct 25, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificate - 12-month
$1,000
2.25% ▼ 0.31% below Illinois avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.56%▼ 0.31% below avgNationally 2.99%
Details

Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals

Rate History
No change since Oct 19, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 19, 2026: 2.25% APYOct 19, 2026Oct 25, 2026

Chicago 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%
13220 S Baltimore Ave, Chicago, IL 60633
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
18-month CD
$1,000
4.45% ▲ 2.01% above Illinois avg
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
300 E Randolph ST, Chicago, IL 60601 5014
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
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
1701 W 87th St, Chicago, IL 60620
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
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%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
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 Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
13323 S Baltimore Ave, Chicago, IL 60633
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA Jumbo
$0
4.15% ▲ 1.71% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
18 Month Certificate or IRA-HSA
$0
4.00% ▲ 1.56% above Illinois avg
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%
3960 W 26th St, Chicago, IL 60623
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%
3960 W 26th St, Chicago, IL 60623
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Jumbo IRA Certificate
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Jumbo Share Certificate
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month IRA Certificate
$0
3.60% ▲ 1.16% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
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 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
18 Month Share Certificate
$0
3.60% ▲ 1.16% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 18 Month
$0
3.56% ▲ 1.12% above Illinois avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 19, 2026: 3.56% APYOct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 18 Month
$0
3.56% ▲ 1.12% above Illinois avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.12% above avgNationally 2.88%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$100,000
3.55% ▲ 1.11% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.11% above avgNationally 2.88%
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$50,000
3.50% ▲ 1.06% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 1.06% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
18 Month Jumbo Share Certificate
$100,000
3.41% ▲ 0.97% above Illinois avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 0.97% above avgNationally 2.88%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 15, 2026: 3.41% APYOct 15, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
18 Month Share Certificate
$1,000
3.35% ▲ 0.91% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 0.91% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
18 Month Share Certificate
$500
3.31% ▲ 0.87% above Illinois avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 0.87% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 15, 2026: 3.31% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 18 month
$0
3.30% ▲ 0.86% above Illinois avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 Month Share Certificate
$0
3.09% ▲ 0.65% above Illinois avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 0.65% above avgNationally 2.88%
Details

Balance: over $20,000

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 9 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Certificate of Deposit - 18 mo.
$0
3.05% ▲ 0.61% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 0.61% above avgNationally 2.88%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Ministry Certificate of Deposit - 18 mo.
$0
3.05% ▲ 0.61% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▲ 0.61% above avgNationally 2.88%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
18 Month Share Certificate
$500
3.03% ▲ 0.59% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.44%▲ 0.59% above avgNationally 2.88%
Details

Balance: $500 - $20,000

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.03% ▼ 0.06 pts · high 3.09% / low 3.03%
2.53%3.06%3.59%Sep 14, 2026: 3.09% APYOct 9, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.03%▼ from 3.09%
  • Sep 14, 20263.09%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Jumbo Share Certificates
$0
2.60% ▲ 0.16% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.16% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Traditional & Roth IRA Share Certificates
$0
2.60% ▲ 0.16% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.16% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificate - 18-month
$1,000
2.50% ▲ 0.06% above Illinois avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.06% above avgNationally 2.88%
Details

Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals

Rate History
No change since Oct 19, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 19, 2026: 2.50% APYOct 19, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Share Certificates
$0
2.45% ▲ 0.01% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.01% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Traditional & Roth IRA Share Certificates
$0
2.45% ▲ 0.01% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▲ 0.01% above avgNationally 2.88%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 25, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
18 Month Certificate of Deposit
$0
2.25% ▼ 0.19% below Illinois avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.44%▼ 0.19% below avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 20, 2026: 2.25% APYOct 20, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$100,000
2.25% ▼ 0.19% below Illinois avg
View
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.19% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
18 Month Certificate
$1,000
2.20% ▼ 0.24% below Illinois avg
View
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.24% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
18 Month Jumbo Share Certificates
$0
2.00% ▼ 0.44% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
18 Month Share Certificates
$0
2.00% ▼ 0.44% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
Traditional/Roth IRAs - 18 Months
$0
2.00% ▼ 0.44% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
18 Month Share Certificates
$0
2.00% ▼ 0.44% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
1.00%1.75%2.50%Sep 18, 2026: 1.50% APYOct 1, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20262.00%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
Traditional & Roth IRA Share Certificates - 18 months
$0
2.00% ▼ 0.44% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.44%▼ 0.44% below avgNationally 2.88%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
1.00%1.75%2.50%Sep 14, 2026: 1.50% APYOct 1, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20262.00%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 18 Month
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Educational Individual Retirement Account - 18 Months Floating
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Floating; Variable Rate Account, Interest Rate and APY may change at any time; Daily Minimum Ledger Balance to Earn APY: $500.00

Rate History
No change since Oct 22, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 22, 2026: 1.50% APYOct 22, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Educational Individual Retirement Accounts - 18 Months Floating
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Floating; Variable Rate Account; Daily Minimum Ledger Balance To Earn APY

Rate History
No change since Oct 22, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 22, 2026: 1.50% APYOct 22, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Roth IRA 18 Months Fixed
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Roth IRA 18 Months Floating
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Floating; Variable Rate Account, rate and APY may change at any time

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Traditional IRA 18 Months Fixed
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Traditional IRA 18 Months Floating
$0
1.50% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 0.94% below avgNationally 2.88%
Details

Rate Type: Floating

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
18 Month Variable IRA Certificate
$100
1.00% ▼ 1.44% below Illinois avg
View
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details

Standard Rates; IRA; Variable rate, may change after account opening; Minimum to Open $100

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
Certificate of Deposit - 18 Month
$1,500
1.00% ▼ 1.44% below Illinois avg
View
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details

Standard Rates; Minimum to Open $1,500

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 25, 2026

Chicago 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%
1407 W Washington Blvd, Chicago, IL 60607 1820
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%
1407 W Washington Blvd, Chicago, IL 60607 1820
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
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3040 W 111th Street, Chicago, IL 60655
24-month CD
$1,000
4.35% ▲ 1.87% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA Jumbo
$0
4.30% ▲ 1.82% above Illinois avg
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
13323 S Baltimore Ave, Chicago, IL 60633
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%
13323 S Baltimore Ave, Chicago, IL 60633
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.67% above Illinois avg
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 2 Year
$10,000
4.11% ▲ 1.63% above Illinois avg
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
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.60% above Illinois avg
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%
3960 W 26th St, Chicago, IL 60623
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
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
24 Month Certificate
$5,000
3.75% ▲ 1.27% above Illinois avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.27% above avgNationally 2.90%
Details

Daily compounding. IRA funds permitted. No business funds permitted

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.22% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.22% above avgNationally 2.90%
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%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Jumbo Share Certificate
$0
3.70% ▲ 1.22% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.22% above avgNationally 2.90%
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month IRA Certificate
$0
3.60% ▲ 1.12% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.12% above avgNationally 2.90%
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 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
24 Month Share Certificate
$0
3.60% ▲ 1.12% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 1.12% above avgNationally 2.90%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$100,000
3.55% ▲ 1.07% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.07% above avgNationally 2.90%
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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
24-Month Share Certificate
$0
3.52% ▲ 1.04% above Illinois avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.04% above avgNationally 2.90%
Details

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 · 3.52% APY
3.02%3.52%4.02%Oct 22, 2026: 3.52% APYOct 22, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
IRA 24 Month Certificate
$10
3.50% ▲ 1.02% above Illinois avg
View
▼
Rate3.45%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 1.02% above avgNationally 2.90%
Details

Daily compounding; $10 minimum additions allowed

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 2 Years
$0
3.50% ▲ 1.02% above Illinois avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.02% above avgNationally 2.90%
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 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
IRA Certificate 24 Months
$0
3.50% ▲ 1.02% above Illinois avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.02% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 25, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 24 Months
$0
3.50% ▲ 1.02% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 1.02% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$50,000
3.50% ▲ 1.02% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 1.02% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
24-Month Share Certificate
$0
3.46% ▲ 0.98% above Illinois avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.98% above avgNationally 2.90%
Details

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 · 3.46% APY
2.96%3.46%3.96%Oct 22, 2026: 3.46% APYOct 22, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
24 Month Jumbo Share Certificate
$100,000
3.41% ▲ 0.93% above Illinois avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 0.93% above avgNationally 2.90%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 15, 2026: 3.41% APYOct 15, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
2 Year Share Certificate
$1,000
3.35% ▲ 0.87% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.87% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
24 Month Share Certificate
$500
3.31% ▲ 0.83% above Illinois avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 0.83% above avgNationally 2.90%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 15, 2026: 3.31% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
24-Month Fixed Rate CD
$0
3.25% ▲ 0.77% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.48%▲ 0.77% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 Month Share Certificate
$0
3.09% ▲ 0.61% above Illinois avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 0.61% above avgNationally 2.90%
Details

Balance: over $20,000

Rate History
No change since Sep 21, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Sep 21, 2026: 3.09% APYSep 21, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 24 month
$0
3.05% ▲ 0.57% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.57% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 25, 2026
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
1 1/2 Year Certificate
$500
3.03% ▲ 0.55% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
2 1/2 Year Certificate
$500
3.03% ▲ 0.55% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
3 1/2 Year Certificate
$500
3.03% ▲ 0.55% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
IRA Certificate - 2 Year Term Contributing
$500
3.03% ▲ 0.55% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.48%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 10 times
2.53%3.03%3.53%Sep 19, 2026: 3.03% APYSep 19, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
24 Month Share Certificate
$500
3.03% ▲ 0.55% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.48%▲ 0.55% above avgNationally 2.90%
Details

Balance: $500 - $20,000

Rate History
1 change since Sep 21, 2026 · 3.09% → 3.03% ▼ 0.06 pts · high 3.09% / low 3.03%
2.53%3.06%3.59%Sep 21, 2026: 3.09% APYOct 9, 2026: 3.03% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.03%▼ from 3.09%
  • Sep 21, 20263.09%first recorded
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 24 Months+
$1,000
3.00% ▲ 0.52% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Includes Traditional IRA, Roth IRA and Coverdell Education Accounts; IRA terms start with the 12 month term; interest forfeited if account closed before accrued interest is posted

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Jumbo Share Certificates
$0
3.00% ▲ 0.52% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Balance: $50,000 and over

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
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Traditional & Roth IRA Share Certificates
$0
3.00% ▲ 0.52% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Balance: $50,000 and over

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
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
24 Month Certificate
$10,000
3.00% ▲ 0.52% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 24 Months
$10,000
3.00% ▲ 0.52% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 24 Months
$1,000
3.00% ▲ 0.52% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 24 Months
$10,000
3.00% ▲ 0.52% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.52% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Certificate of Deposit - 24 mo.
$0
2.95% ▲ 0.47% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.47% above avgNationally 2.90%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.95% APY
2.45%2.95%3.45%Oct 22, 2026: 2.95% APYOct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Ministry Certificate of Deposit - 24 mo.
$0
2.95% ▲ 0.47% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.47% above avgNationally 2.90%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.95% APY
2.45%2.95%3.45%Oct 22, 2026: 2.95% APYOct 22, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 24 Month
$0
2.89% ▲ 0.41% above Illinois avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.41% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 19, 2026: 2.89% APYOct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 24 Month
$0
2.89% ▲ 0.41% above Illinois avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.48%▲ 0.41% above avgNationally 2.90%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 25, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL 60607 4908
Share/IRA Certificate - 24-month
$1,000
2.75% ▲ 0.27% above Illinois avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.27% above avgNationally 2.90%
Details

Dividends compound monthly; fixed for initial term; Credit Union penalty for early withdrawals

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Share Certificates
$0
2.50% ▲ 0.02% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.02% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
24 Month Traditional & Roth IRA Share Certificates
$0
2.50% ▲ 0.02% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.48%▲ 0.02% above avgNationally 2.90%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026

Chicago 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%
1407 W Washington Blvd, Chicago, IL 60607 1820
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.97% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
3-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.82% above Illinois avg
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
300 E Randolph ST, Chicago, IL 60601 5014
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%
3960 W 26th St, Chicago, IL 60623
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%
3960 W 26th St, Chicago, IL 60623
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 3 Year
$10,000
3.85% ▲ 1.47% above Illinois avg
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
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2332 W Chicago Ave, Chicago, IL 60622
Certificate - 3 Years
$0
3.75% ▲ 1.37% above Illinois avg
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%
2332 W Chicago Ave, Chicago, IL 60622
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.32% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month IRA Certificate
$0
3.60% ▲ 1.22% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.22% 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 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
36 Month Share Certificate
$0
3.60% ▲ 1.22% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 1.22% above avgNationally 2.81%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
36-Month Share Certificate
$0
3.57% ▲ 1.19% above Illinois avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.19% above avgNationally 2.81%
Details

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 · 3.57% APY
3.07%3.57%4.07%Oct 22, 2026: 3.57% APYOct 22, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$100,000
3.55% ▲ 1.17% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.17% 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
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL 60601 5946
36-Month Share Certificate
$0
3.52% ▲ 1.14% above Illinois avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.14% above avgNationally 2.81%
Details

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 · 3.52% APY
3.02%3.52%4.02%Oct 22, 2026: 3.52% APYOct 22, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$50,000
3.50% ▲ 1.12% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 1.12% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
3 Year Share Certificate
$1,000
3.35% ▲ 0.97% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 0.97% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
36 Month Jumbo Share Certificate
$100,000
3.31% ▲ 0.93% above Illinois avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 0.93% above avgNationally 2.81%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 2 times
2.81%3.31%3.81%Oct 15, 2026: 3.31% APYOct 15, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Jumbo Share Certificates
$0
3.25% ▲ 0.87% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.87% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Traditional & Roth IRA Share Certificates
$0
3.25% ▲ 0.87% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.87% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
36 Month Share Certificate
$500
3.21% ▲ 0.83% above Illinois avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 0.83% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 15, 2026: 3.21% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.21%▼ from 3.31%
  • Sep 25, 20263.31%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Certificate of Deposit
$500
3.20% ▲ 0.82% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 0.82% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more; account matures in 36 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
36-Month Fixed Rate CD
$0
3.20% ▲ 0.82% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▲ 0.82% above avgNationally 2.81%
Details

Featured on page under Grow your savings your way

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
36 Month Share Certificate
$0
3.09% ▲ 0.71% above Illinois avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 0.71% above avgNationally 2.81%
Details

Balance: over $20,000

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 9 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
3 Year Share Certificate
$500
3.03% ▲ 0.65% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▲ 0.65% above avgNationally 2.81%
Details

Balance: $500 - $20,000

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.03% ▼ 0.06 pts · high 3.09% / low 3.03%
2.53%3.06%3.59%Sep 14, 2026: 3.09% APYOct 9, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.03%▼ from 3.09%
  • Sep 14, 20263.09%first recorded
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 36 Months+
$1,000
3.00% ▲ 0.62% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.62% above avgNationally 2.81%
Details

Includes Traditional IRA, Roth IRA and Coverdell Education Accounts; IRA terms start with the 12 month term; interest forfeited if account closed before accrued interest is posted

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
36 Month Certificate
$10,000
3.00% ▲ 0.62% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.62% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 36 Months
$10,000
3.00% ▲ 0.62% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.62% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 36 Months
$1,000
3.00% ▲ 0.62% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.62% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 36 Months
$10,000
3.00% ▲ 0.62% above Illinois avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.62% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 36 Month
$0
2.89% ▲ 0.51% above Illinois avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 19, 2026: 2.89% APYOct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 36 Month
$0
2.89% ▲ 0.51% above Illinois avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 0.51% above avgNationally 2.81%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 36 month
$0
2.79% ▲ 0.41% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Certificate of Deposit - 36 mo.
$0
2.75% ▲ 0.37% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 0.37% above avgNationally 2.81%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Ministry Certificate of Deposit - 36 mo.
$0
2.75% ▲ 0.37% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▲ 0.37% above avgNationally 2.81%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Share Certificates
$0
2.75% ▲ 0.37% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.37% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Traditional & Roth IRA Share Certificates
$0
2.75% ▲ 0.37% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.37% above avgNationally 2.81%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
36 Month Share Certificates
$0
2.50% ▲ 0.12% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.12% above avgNationally 2.81%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 18, 2026: 2.25% APYOct 1, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20262.50%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
Traditional & Roth IRA Share Certificates - 36 months
$0
2.50% ▲ 0.12% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▲ 0.12% above avgNationally 2.81%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 14, 2026: 2.25% APYOct 1, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20262.50%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
36 Month Certificate
$100,000
2.25% ▼ 0.13% below Illinois avg
View
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▼ 0.13% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
36 Month Certificate
$1,000
2.20% ▼ 0.18% below Illinois avg
View
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▼ 0.18% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
Certificate of Deposit - 36 Month
$1,500
2.00% ▼ 0.38% below Illinois avg
View
▼
Rate1.99%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.38%▼ 0.38% below avgNationally 2.81%
Details

Standard Rates; Minimum to Open $1,500

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 36 Month
$0
2.00% ▼ 0.38% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▼ 0.38% below avgNationally 2.81%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
36 Month Jumbo Share Certificates
$0
2.00% ▼ 0.38% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▼ 0.38% below avgNationally 2.81%
Details

Dividend Paid: Quarterly

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL 60632 4011
36 Month Share Certificates
$0
2.00% ▼ 0.38% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.38%▼ 0.38% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
36 Month Certificate of Deposit
$0
1.50% ▼ 0.88% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.38%▼ 0.88% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 25, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
36 Month Certificate of Deposit
$0
1.01% ▼ 1.37% below Illinois avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.38%▼ 1.37% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 20, 2026: 1.01% APYOct 20, 2026Oct 25, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
36 Month CD
$1,000
1.00% ▼ 1.38% below Illinois avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.38%▼ 1.38% below avgNationally 2.81%
Details

Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026

Chicago 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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.93% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
4-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.78% above Illinois avg
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%
3960 W 26th St, Chicago, IL 60623
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%
3960 W 26th St, Chicago, IL 60623
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 4 Year
$10,000
3.85% ▲ 1.43% above Illinois avg
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.28% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
48 Month IRA Certificate
$0
3.65% ▲ 1.23% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
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
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
4 Year Share Certificate
$1,000
3.40% ▲ 0.98% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 0.98% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
48 Month Jumbo Share Certificate
$100,000
3.21% ▲ 0.79% above Illinois avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 0.79% above avgNationally 2.81%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
2.71%3.21%3.71%Oct 15, 2026: 3.21% APYOct 15, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
48 Month Share Certificate
$500
3.11% ▲ 0.69% above Illinois avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 0.69% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 15, 2026: 3.11% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
48 Month Share Certificate
$0
3.09% ▲ 0.67% above Illinois avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 0.67% above avgNationally 2.81%
Details

Balance: over $20,000

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 9 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1 N La Salle St Fl 20, Chicago, IL 60602
48-Month Certificate of Deposit
$500
3.05% ▲ 0.63% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▲ 0.63% above avgNationally 2.81%
Details

Earn 3.05% APY on balances of $500 or more; account matures in 48 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 48 Month
$0
3.04% ▲ 0.62% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 19, 2026: 3.04% APYOct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 48 Month
$0
3.04% ▲ 0.62% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 0.62% above avgNationally 2.81%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL 60652 5600
4 Year Share Certificate
$500
3.03% ▲ 0.61% above Illinois avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▲ 0.61% above avgNationally 2.81%
Details

Balance: $500 - $20,000

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.03% ▼ 0.06 pts · high 3.09% / low 3.03%
2.53%3.06%3.59%Sep 14, 2026: 3.09% APYOct 9, 2026: 3.03% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.03%▼ from 3.09%
  • Sep 14, 20263.09%first recorded
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 48 Months+
$1,000
3.00% ▲ 0.58% above Illinois avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.58% above avgNationally 2.81%
Details

Includes Traditional IRA, Roth IRA and Coverdell Education Accounts; IRA terms start with the 12 month term; interest forfeited if account closed before accrued interest is posted

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 48 month
$0
2.79% ▲ 0.37% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
48 Month Certificate
$10,000
2.75% ▲ 0.33% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 48 Months
$10,000
2.75% ▲ 0.33% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 48 Months
$1,000
2.75% ▲ 0.33% above Illinois avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 48 Months
$10,000
2.75% ▲ 0.33% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▲ 0.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Certificate of Deposit - 48 mo.
$0
2.50% ▲ 0.08% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 0.08% above avgNationally 2.81%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL 60631
Ministry Certificate of Deposit - 48 mo.
$0
2.50% ▲ 0.08% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▲ 0.08% above avgNationally 2.81%
Details

Balance: $1,000 to $4,999.99

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
Certificate of Deposit - 48 Month
$5,000
2.00% ▼ 0.42% below Illinois avg
View
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▼ 0.42% below avgNationally 2.81%
Details

Standard Rates; Minimum to Open $5,000

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 48 Month
$0
2.00% ▼ 0.42% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 0.42% below avgNationally 2.81%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL 60633
College Savers 3 or 4 Year Certificate
$50
2.00% ▼ 0.42% below Illinois avg
View
▼
Rate1.98%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▼ 0.42% below avgNationally 2.81%
Details

Quarterly compounding, $10.00 min. additions

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 25, 2026
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
48 Month Certificate of Deposit
$0
1.75% ▼ 0.67% below Illinois avg
View
▼
Rate1.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 0.67% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 24, 2026: 1.75% APYSep 24, 2026Oct 25, 2026
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
Certificate of Deposit - 48 Months
$0
1.01% ▼ 1.41% below Illinois avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▼ 1.41% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 20, 2026: 1.01% APYOct 20, 2026Oct 25, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6945 N Clark St, Chicago, IL 60626
Certificate of Deposit - 4 Year
$0
1.00% ▼ 1.42% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 1.42% below avgNationally 2.81%
Details

Open online

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
48 Month CD
$1,000
1.00% ▼ 1.42% below Illinois avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.42%▼ 1.42% below avgNationally 2.81%
Details

Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
1747 W North Ave, Chicago, IL 60622
48 Month Certificate of Deposit
$0
0.95% ▼ 1.47% below Illinois avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.42%▼ 1.47% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 20, 2026: 0.95% APYOct 20, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.67% below Illinois avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▼ 1.67% below avgNationally 2.81%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
48 Month Standard CD
$1,000
0.75% ▼ 1.67% below Illinois avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.42%▼ 1.67% below avgNationally 2.81%
Details

Balance: up to $100,000; Rates for ZIP code 60603

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
5200 N Central Ave, Chicago, IL 60630
48 month CD
$1,000
0.05% ▼ 2.37% below Illinois avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▼ 2.37% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 25, 2026
First Nations Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
7757 W Devon Ave, Chicago, IL 60631
Certificates of Deposit - 48 Months
$0
0.05% ▼ 2.37% below Illinois avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.42%▼ 2.37% below avgNationally 2.81%
Details

Interest Compounded: Quarterly

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.39% below Illinois avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.39% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
IRA CD 48 Months
$250
0.03% ▼ 2.39% below Illinois avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.39% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.40% below Illinois avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.40% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
IRA CD 48 Months
$250
0.02% ▼ 2.40% below Illinois avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.40% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.41% below Illinois avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.41% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2021 N Clark St, Chicago, IL 60614
IRA CD 48 Months
$250
0.01% ▼ 2.41% below Illinois avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.42%▼ 2.41% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
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
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
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

Chicago 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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.90% above Illinois avg
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2500 N Halsted St, Chicago, IL 60614 6999
5-Year Certificate or IRA-HSA
$0
4.25% ▲ 1.75% above Illinois avg
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
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3960 W 26th St, Chicago, IL 60623
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.68% above Illinois avg
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%
3960 W 26th St, Chicago, IL 60623
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Ladder CD 5 Year
$10,000
3.75% ▲ 1.25% above Illinois avg
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
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Jumbo Share Certificates
$0
3.75% ▲ 1.25% above Illinois avg
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%
230 W Monroe St, Chicago, IL 60606
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
11545 W Touhy Ave, Chicago, IL 60666
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
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL 60666
60 Month Five Year Certificate
$0
3.65% ▲ 1.15% above Illinois avg
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%
11545 W Touhy Ave, Chicago, IL 60666
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%
11545 W Touhy Ave, Chicago, IL 60666
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
Marquette Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
6316 S Western Ave, Chicago, IL 60636
Regular CD 60 Months
$500
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details

Penalty for early withdrawal; fees may reduce earnings

Rate History
No change since Oct 20, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$100,000
3.65% ▲ 1.15% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$50,000
3.60% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.92%
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
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4801 W Belmont Ave, Chicago, IL 60641
5 Year Certificate
$500
3.55% ▲ 1.05% above Illinois avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 19, 2026: 3.03% APYSep 24, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.55%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
190 N State St, Chicago, IL 60601
Investment Share and IRA Certificates - 60 Months
$0
3.50% ▲ 1.00% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 1.00% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
820 S Damen Ave, Chicago, IL 60612 3728
5 Year Share Certificate
$1,000
3.45% ▲ 0.95% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 0.95% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
60 Month Certificate Account
$0
3.29% ▲ 0.79% above Illinois avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 0.79% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 18, 2026: 3.04% APYOct 15, 2026: 3.29% APYSep 18, 2026Oct 25, 2026
  • Oct 15, 20263.29%▲ from 3.04%
  • Sep 18, 20263.04%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
60-Month Certificate
$500,000
3.29% ▲ 0.79% above Illinois avg
View
▼
RateN/A
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 0.79% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04%
2.54%3.17%3.79%Sep 14, 2026: 3.04% APYOct 5, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.29%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL 60661
Certificate - 60 months
$0
3.29% ▲ 0.79% above Illinois avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 0.79% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 15, 2026: 3.29% APYOct 15, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Share Certificates
$0
3.25% ▲ 0.75% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.75% above avgNationally 2.92%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Traditional & Roth IRA Share Certificates
$0
3.25% ▲ 0.75% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.75% above avgNationally 2.92%
Details

Balance: $25,000 - $49,999.99; APY*

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
60 Month Jumbo Share Certificate
$100,000
3.21% ▲ 0.71% above Illinois avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 0.71% above avgNationally 2.92%
Details

Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase

Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 2 times
2.71%3.21%3.71%Oct 15, 2026: 3.21% APYOct 15, 2026Oct 25, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL 60608 1128
60 Month Share Certificate
$500
3.11% ▲ 0.61% above Illinois avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▲ 0.61% above avgNationally 2.92%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 15, 2026: 3.11% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
IRA Certificates of Deposit - 60 Month
$0
3.04% ▲ 0.54% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 0.54% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 19, 2026: 3.04% APYOct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
55 E Jackson Blvd Fl 1, Chicago, IL 60604 4100
Term Share Certificate - 60 Month
$0
3.04% ▲ 0.54% above Illinois avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▲ 0.54% above avgNationally 2.92%
Details

Rates effective as of September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 25, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL 60608
CD and IRA Certificates - 60 Months+
$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

Includes Traditional IRA, Roth IRA and Coverdell Education Accounts; IRA terms start with the 12 month term; interest forfeited if account closed before accrued interest is posted

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL 60637
Certificates of Deposit (CDs), Regular and IRA - 60 month
$0
2.79% ▲ 0.29% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.29% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 2.79% APY · checked 2 times
2.29%2.79%3.29%Oct 13, 2026: 2.79% APYOct 13, 2026Oct 25, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
60 Month Share Certificates
$0
2.75% ▲ 0.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 18, 2026: 2.50% APYOct 1, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20262.75%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL 60606
Traditional & Roth IRA Share Certificates - 60 months
$0
2.75% ▲ 0.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Balance: $2,500 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
2.00%2.63%3.25%Sep 14, 2026: 2.50% APYOct 1, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20262.75%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
60 Month Certificate
$10,000
2.75% ▲ 0.25% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
IRA Certificate Plus - 60 Months
$10,000
2.75% ▲ 0.25% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate (CD) - 60 Months
$1,000
2.75% ▲ 0.25% above Illinois avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL 60612
Share Certificate - 60 Months
$10,000
2.75% ▲ 0.25% above Illinois avg
View
▼
Rate2.71%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 270 Days' Dividends

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
60 Month Certificate
$100,000
2.25% ▼ 0.25% below Illinois avg
View
▼
Rate2.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 0.25% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4878 N Broadway St, Chicago, IL 60640
60 Month Certificate
$1,000
2.20% ▼ 0.30% below Illinois avg
View
▼
Rate2.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 0.30% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 25, 2026
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
935 W Chestnut St, Chicago, IL 60642
Certificate of Deposit - 60 Month
$5,000
2.00% ▼ 0.50% below Illinois avg
View
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 0.50% below avgNationally 2.92%
Details

Standard Rates; Minimum to Open $5,000

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
International Bank of Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit (CD) - 60 Month
$0
2.00% ▼ 0.50% below Illinois avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▼ 0.50% below avgNationally 2.92%
Details

Credit Frequency: Quarterly

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
Albank
Institution Rating:
A+5.0 ★Texas Ratio: 4.96%
3400 W Lawrence Ave, Chicago, IL 60625
Certificate of Deposit - 5 Years
$0
1.60% ▼ 0.90% below Illinois avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 0.90% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 22, 2026: 1.60% APYOct 22, 2026Oct 25, 2026
North Side Federal S&L of Chicago
Institution Rating:
A-4.9 ★Texas Ratio: 15.73%
5159 N Clark St, Chicago, IL 60640
60 Month Certificate of Deposit
$0
1.50% ▼ 1.00% below Illinois avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▼ 1.00% below avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 25, 2026
Midland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
4040 S Archer Ave, Chicago, IL 60632
Certificate of Deposit - 60 Months
$0
1.26% ▼ 1.24% below Illinois avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▼ 1.24% below avgNationally 2.92%
Details

Substantial penalty may be imposed for early withdrawal.

Rate History
No change since Oct 20, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 20, 2026: 1.26% APYOct 20, 2026Oct 25, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6945 N Clark St, Chicago, IL 60626
Certificate of Deposit - 5 Year
$0
1.25% ▼ 1.25% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▼ 1.25% below avgNationally 2.92%
Details

Open online

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 25, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
4646 N Cumberland Ave, Chicago, IL 60656
60 Month CD
$1,000
1.20% ▼ 1.30% below Illinois avg
View
▼
Rate1.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Illinois Average2.50%▼ 1.30% below avgNationally 2.92%
Details

Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 10 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.75% below Illinois avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▼ 1.75% below avgNationally 2.92%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
320 S Canal St, Chicago, IL 60606
60 Month Standard CD
$1,000
0.75% ▼ 1.75% below Illinois avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Illinois Average2.50%▼ 1.75% below avgNationally 2.92%
Details

Balance: up to $100,000; Rates for ZIP code 60603

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 25, 2026
Mutual Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2212 W Cermak Rd, Chicago, IL 60608
5 Year Certificate
$500
0.65% ▼ 1.85% below Illinois avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 1.85% below avgNationally 2.92%
Details

Interest paid: Quarterly

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 8 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 25, 2026
Hoyne Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
4786 N Milwaukee Ave, Chicago, IL 60630
5 Year Certificate
$500
0.50% ▼ 2.00% below Illinois avg
View
▼
Rate0.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Illinois Average2.50%▼ 2.00% below avgNationally 2.92%
Details

Rates effective as of 2/10/2026; Available for IRA's; New deposit customers: in person visits only

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Old Second National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
6400 W North Ave, Chicago, IL 60707
60 Month Certificates of Deposit
$0
0.25% ▼ 2.25% below Illinois avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Illinois Average2.50%▼ 2.25% below avgNationally 2.92%
Details

Effective as of 10/20/2026

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 25, 2026
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
5200 N Central Ave, Chicago, IL 60630
60 month CD
$1,000
0.10% ▼ 2.40% below Illinois avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Illinois Average2.50%▼ 2.40% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 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 Chicago, 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%
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.50%
United Fidelity Bank
18-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.35%
State Bank of Texas
High-Rate Jumbo 12-Month CD
A 5.0 ★ TX: 12.15%
Min: $100,000
4.25%
First Merchants Bank
24 Month CD/IRA Special
A+ 5.0 ★ TX: 4.12%
Min: $0
4.25%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
24-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
4.81%
Michigan State University Federal Credit Union
5-Year Certificate or IRA-HSA Jumbo
A 5.0 ★ TX: 9.64%
Min: $0
4.40%
Planites Credit Union
Investment Certificates - 1 Year
A+ 5.0 ★ TX: 3.17%
Min: $0
4.40%
Alliant Credit Union
12 Month Jumbo IRA Certificate
A 5.0 ★ TX: 6.04%
Min: $0
4.35%
Chicago Firefighters Credit Union
12 mos. Share Certificate
A+ 5.0 ★ TX: 0.28%
Min: $10,000
4.33%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

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 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.

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.

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2,260
CD Rates
Tracked in Chicago, Illinois
74 Banks 52 Credit Unions

About Our Chicago, Illinois CD Rate Database

MonitorBankRates tracks 2,260 CD rates from 74 banks and 52 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 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: National Police Federal Credit Union offers a CD at 4.81% 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 52 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: 126 institutions here report CD rates

Consider an Alternative If…

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
$126/yr
At IL 12-mo avg 2.562% 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 2.562%, saving 10% of the local median salary ($4,932/year) and putting it in a CD would earn an additional $126 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 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 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, National Police Federal Credit Union is offering its Share Certificate - 6 Months at 4.24% 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 4.40% 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:
  • National Police Federal Credit Union: 4.81% APY (24-Month IRA)
  • First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
  • CIBC: 4.50% APY (12-month CD)
  • Michigan State University Federal Credit Union: 4.40% APY (5-Year Certificate or IRA-HSA Jumbo)
  • Planites Credit Union: 4.40% APY (Investment Certificates - 1 Year)
  • Alliant Credit Union: 4.35% APY (12 Month Jumbo IRA Certificate)
  • United Fidelity Bank: 4.35% APY (18-Month CD)
  • Chicago Firefighters Credit Union: 4.33% APY (12 mos. Share Certificate)
  • Alero Financial Credit Union: 4.27% APY (18-Month Promotional Share Certificate)
  • State Bank of Texas: 4.25% APY (High-Rate Jumbo 12-Month CD)
Rates reflect recent verified offers available in Chicago, Illinois. Last Updated: October 23, 2026

Chicago, 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 Chicago, 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 Chicago, 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 Chicago, Illinois. Averages shown use the Illinois state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Chicago, Illinois

Chicago, Illinois CD Calculator

At today’s IL top rate of 4.81% APY, a $10,000 deposit earns $481 in the first year. Enter your amount to see your exact return.

Chicago, 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 Chicago, Illinois CD at 4.81% 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 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: October 23, 2026

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