Mount Carroll, Illinois Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Mount Carroll, Illinois CD rates include Fidelity Bank Savanna, ILFidelity Bank Savanna, IL703 South East Street, Mount Carroll, IL 61053A+5.0 ★Texas Ratio: 1.76%Real return: +1.20%APY minus CPI (February 2026) offering 10-month special, with rollover into 12-month at time of maturity at 4.00% APY, Farmers National BankFarmers National Bank642 South East Street, Mount Carroll, IL 61053A+5.0 ★Texas Ratio: 0.49%Real return: +0.95%APY minus CPI (February 2026) offering 3 Months (91 Days) at 3.75% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 14.65%Real return: +1.45%APY minus CPI (February 2026) offering 6-month cd at 4.25% APY, and Rock Valley Credit UnionRock Valley Credit UnionA+5.0 ★Texas Ratio: 5.27%Real return: +1.45%APY minus CPI (February 2026) offering 6 Mo. at 4.25% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Mount Carroll has 27 local institutions in our database, with CD rates as high as 4.00% APY from Fidelity Bank Savanna, IL at 703 South East Street, Mount Carroll, IL 61053. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Mount Carroll, Illinois & the Surrounding Area
Mount Carroll 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
3 Months (91 Days)
$0
3.75%
▲ 2.34% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.34% above avgNationally 1.96%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 3 Months (91 Days)
$0
3.75%
▲ 2.34% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.34% above avgNationally 1.96%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
3-month CD
$500
0.25%
▼ 1.16% below Illinois avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▼ 1.16% below avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.44% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.44% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate
$5,000
3.75%
▲ 2.34% above Illinois avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.34% above avgNationally 1.96%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Months
$0
3.70%
▲ 2.29% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.29% above avgNationally 1.96%
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55%
▲ 2.14% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.14% above avgNationally 1.96%
Details
Account matures in 3 months.
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month
$0
3.53%
▲ 2.12% above Illinois avg
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.12% above avgNationally 1.96%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
3 months
$0
3.53%
▲ 2.12% above Illinois avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.12% above avgNationally 1.96%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
3 months
$0
3.51%
▲ 2.10% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.10% above avgNationally 1.96%
Details
Merchants Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month CD
$1,000
3.50%
▲ 2.09% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.09% above avgNationally 1.96%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3-Month
$0
3.45%
▲ 2.04% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.04% above avgNationally 1.96%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
3 month CD
$500
3.45%
▲ 2.04% above Illinois avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.04% above avgNationally 1.96%
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
3 Month
$1,000
3.44%
▲ 2.03% above Illinois avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.03% above avgNationally 1.96%
Details
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
90 Day / 3 Month
$1,000
3.44%
▲ 2.03% above Illinois avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.03% above avgNationally 1.96%
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates or Greater
$0
3.43%
▲ 2.02% above Illinois avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 2.02% above avgNationally 1.96%
Details
$50,000.00
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 month
$0
3.40%
▲ 1.99% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.99% above avgNationally 1.96%
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 1.74% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.74% above avgNationally 1.96%
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates to
$0
3.07%
▲ 1.66% above Illinois avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.66% above avgNationally 1.96%
Details
$49,999.99; $1,000.00
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Months
$1,000
3.05%
▲ 1.64% above Illinois avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.64% above avgNationally 1.96%
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
3 Months
$0
3.03%
▲ 1.62% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.62% above avgNationally 1.96%
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
91 Day CD (3 Months)
$0
3.03%
▲ 1.62% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.62% above avgNationally 1.96%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.00%
▲ 1.59% above Illinois avg
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.59% above avgNationally 1.96%
Details
Frequency of Compounding: Quarterly; Early Withdrawal Penalty: 90 days interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 1.59% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.59% above avgNationally 1.96%
Details
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificates of Deposit - 90 Days
$0
3.00%
▲ 1.59% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.59% above avgNationally 1.96%
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$1,000
2.98%
▲ 1.57% above Illinois avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.57% above avgNationally 1.96%
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
3 Month
$0
2.94%
▲ 1.53% above Illinois avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.53% above avgNationally 1.96%
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80%
▲ 1.39% above Illinois avg
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.39% above avgNationally 1.96%
Details
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
2.75%
▲ 1.34% above Illinois avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.34% above avgNationally 1.96%
Details
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.19%
3-month CD
$0
2.75%
▲ 1.34% above Illinois avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.34% above avgNationally 1.96%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3 Month CD
$0
2.52%
▲ 1.11% above Illinois avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 1.11% above avgNationally 1.96%
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
3 Month
$0
2.02%
▲ 0.61% above Illinois avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 0.61% above avgNationally 1.96%
Details
Interest Paid at maturity; 3 Month Interest Penalty
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3-Month CD
$0
2.00%
▲ 0.59% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 0.59% above avgNationally 1.96%
Details
Prairie Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
90-Day
$5,000
1.55%
▲ 0.14% above Illinois avg
▼
Rate1.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 0.14% above avgNationally 1.96%
Details
First Southern Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
3 Month
$0
1.51%
▲ 0.10% above Illinois avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 0.10% above avgNationally 1.96%
Details
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
3 Month Certificate of Deposit
$1,000
1.46%
▲ 0.05% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▲ 0.05% above avgNationally 1.96%
Details
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
3 month CD
$1,000
1.41%
At Illinois avg
▼
Rate1.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%At the averageNationally 1.96%
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Business Regular CD 3-Month
$0
1.30%
▼ 0.11% below Illinois avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▼ 0.11% below avgNationally 1.96%
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$1,000
1.26%
▼ 0.15% below Illinois avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▼ 0.15% below avgNationally 1.96%
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
3 Month
$0
1.25%
▼ 0.16% below Illinois avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▼ 0.16% below avgNationally 1.96%
Details
Credit Frequency: Quarterly
HomeBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 MONTHS CD
$2,500
1.16%
▼ 0.25% below Illinois avg
▼
Rate1.15%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.41%▼ 0.25% below avgNationally 1.96%
Details
Mount Carroll 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
6 Months (182 Days)
$0
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 6 Months (182 Days)
$0
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
6-month CD
$500
0.50%
▼ 1.27% below Illinois avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▼ 1.27% below avgNationally 2.67%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD
$1,000
4.35%
▲ 2.58% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.58% above avgNationally 2.67%
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-month cd
$5
4.25%
▲ 2.48% above Illinois avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.48% above avgNationally 2.67%
Details
6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-Month CD Special
$0
4.25%
▲ 2.48% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.48% above avgNationally 2.67%
Details
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Mo.
$1,000
4.25%
▲ 2.48% above Illinois avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.48% above avgNationally 2.67%
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 months
$500
4.10%
▲ 2.33% above Illinois avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.33% above avgNationally 2.67%
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD
$0
4.10%
▲ 2.33% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.33% above avgNationally 2.67%
Details
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 6 Month CD
$1,000
4.00%
▲ 2.23% above Illinois avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.23% above avgNationally 2.67%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Months
$2,500
4.00%
▲ 2.23% above Illinois avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.23% above avgNationally 2.67%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 6 Months
$1,000
4.00%
▲ 2.23% above Illinois avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.23% above avgNationally 2.67%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Certificate
$500
4.00%
▲ 2.23% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.23% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month
$1,000
3.84%
▲ 2.07% above Illinois avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.07% above avgNationally 2.67%
Details
Waterman Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month
$0
3.82%
▲ 2.05% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.05% above avgNationally 2.67%
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
6 Month
$0
3.82%
▲ 2.05% above Illinois avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.05% above avgNationally 2.67%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6 month CD
$500
3.80%
▲ 2.03% above Illinois avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.03% above avgNationally 2.67%
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 6 months
$0
3.79%
▲ 2.02% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 2.02% above avgNationally 2.67%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 6 Month Renewal
$0
3.76%
▲ 1.99% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.99% above avgNationally 2.67%
Details
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month
$2,500
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month CD
$1,000
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month IRA
$1,000
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Months
$1,000
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6-month CD special
$1,000
3.75%
▲ 1.98% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
Penalty for early withdrawal. No compounding, interest paid at maturity.
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate
$0
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month
$0
3.75%
▲ 1.98% above Illinois avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.98% above avgNationally 2.67%
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-MO CD
$1,000
3.71%
▲ 1.94% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.94% above avgNationally 2.67%
Details
This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date.
Bank of Pontiac
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month
$2,500
3.70%
▲ 1.93% above Illinois avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.93% above avgNationally 2.67%
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months - Diamond
$0
3.70%
▲ 1.93% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.93% above avgNationally 2.67%
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Months
$2,500
3.70%
▲ 1.93% above Illinois avg
▼
Rate3.65%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.93% above avgNationally 2.67%
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 1 Month Interest
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6 Months
$1,000
3.70%
▲ 1.93% above Illinois avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.93% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 1.93% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.93% above avgNationally 2.67%
Details
FNB of Raymond
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
6 Month Term
$2,500
3.66%
▲ 1.89% above Illinois avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.89% above avgNationally 2.67%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months - Platinum
$0
3.65%
▲ 1.88% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.88% above avgNationally 2.67%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
6 Month Special
$0
3.65%
▲ 1.88% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.88% above avgNationally 2.67%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 6 Month Special
$0
3.65%
▲ 1.88% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.88% above avgNationally 2.67%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 months
$0
3.62%
▲ 1.85% above Illinois avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.85% above avgNationally 2.67%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$2,000
3.60%
▲ 1.83% above Illinois avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.83% above avgNationally 2.67%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
6-month
$0
3.60%
▲ 1.83% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.83% above avgNationally 2.67%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▲ 1.83% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.83% above avgNationally 2.67%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 months
$0
3.60%
▲ 1.83% above Illinois avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.83% above avgNationally 2.67%
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 6 Months
$1,000
3.60%
▲ 1.83% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.83% above avgNationally 2.67%
Details
APY=Annual Percentage Yield.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-month CD
$1,000
3.56%
▲ 1.79% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.79% above avgNationally 2.67%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6-Month
$0
3.56%
▲ 1.79% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.79% above avgNationally 2.67%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 6 Month
$0
3.56%
▲ 1.79% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.79% above avgNationally 2.67%
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
6-Month Certificate
$0
3.55%
▲ 1.78% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.78% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
6-Month Certificate or IRA-HSA
$0
3.55%
▲ 1.78% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.78% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.55%
▲ 1.78% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.78% above avgNationally 2.67%
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$500
3.50%
▲ 1.73% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.73% above avgNationally 2.67%
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Fixed Rate CD
$0
3.50%
▲ 1.73% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.77%▲ 1.73% above avgNationally 2.67%
Details
Mount Carroll 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
10-month special, with rollover into 12-month at time of maturity
$5,000
4.00%
▲ 1.97% above Illinois avg
▼
Rate3.99%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.97% above avgNationally 2.83%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
12 Months
$0
3.50%
▲ 1.47% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.47% above avgNationally 2.83%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 12 Months
$0
3.50%
▲ 1.47% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.47% above avgNationally 2.83%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
12-month CD
$500
0.75%
▼ 1.28% below Illinois avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▼ 1.28% below avgNationally 2.83%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12-Month CD
$1,000
4.40%
▲ 2.37% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.37% above avgNationally 2.83%
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-month CD
$1,000
4.15%
▲ 2.12% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.12% above avgNationally 2.83%
Details
Featured rate
Bank of Herrin
Institution Rating:
B+4.8 ★Texas Ratio: 16.91%
Special 12 Month CD
$1,000
4.10%
▲ 2.07% above Illinois avg
▼
Rate4.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.07% above avgNationally 2.83%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 Month Certificate
$500
4.10%
▲ 2.07% above Illinois avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.07% above avgNationally 2.83%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
4.05%
▲ 2.02% above Illinois avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.02% above avgNationally 2.83%
Details
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. UPDATED 6-16-26 | 10:02 AM CST
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Months
$2,500
4.05%
▲ 2.02% above Illinois avg
▼
Rate3.98%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.02% above avgNationally 2.83%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 12 Months
$1,000
4.05%
▲ 2.02% above Illinois avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 2.02% above avgNationally 2.83%
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12-month CD/IRA
$0
4.00%
▲ 1.97% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 27, 2026
Illinois Average2.03%▲ 1.97% above avgNationally 2.83%
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
1 Year Certificate of Deposit
$0
4.00%
▲ 1.97% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.97% above avgNationally 2.83%
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months (1 year)
$500
4.00%
▲ 1.97% above Illinois avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.97% above avgNationally 2.83%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month CD
$0
3.99%
▲ 1.96% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.96% above avgNationally 2.83%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12-Month
$0
3.97%
▲ 1.94% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.94% above avgNationally 2.83%
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 months
$1,000
3.96%
▲ 1.93% above Illinois avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.93% above avgNationally 2.83%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special
$0
3.90%
▲ 1.87% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 12 Month Special
$0
3.90%
▲ 1.87% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1 Year Certificate
$500
3.90%
▲ 1.87% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate - 1 Year
$100
3.90%
▲ 1.87% above Illinois avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12 Month CD
$0
3.90%
▲ 1.87% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Months
$0
3.90%
▲ 1.87% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.87% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.86% above Illinois avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.86% above avgNationally 2.83%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 months CD
$500
3.85%
▲ 1.82% above Illinois avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.82% above avgNationally 2.83%
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
12 Month Certificate of Deposit
$0
3.82%
▲ 1.79% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.79% above avgNationally 2.83%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 12 Month Renewal
$0
3.82%
▲ 1.79% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.79% above avgNationally 2.83%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Months
$1,000
3.80%
▲ 1.77% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.77% above avgNationally 2.83%
Details
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 Month Certificate of Deposit
$500
3.80%
▲ 1.77% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.77% above avgNationally 2.83%
Details
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12 Months
$0
3.80%
▲ 1.77% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.77% above avgNationally 2.83%
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
12 mo. term
$25,000
3.80%
▲ 1.77% above Illinois avg
▼
Rate3.75%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.77% above avgNationally 2.83%
Details
Jumbo Certificate; For "new money" only (Does not apply to funds already on deposit with MEFCU)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
12 mo. term Jumbo Certificate of Deposit
$0
3.80%
▲ 1.77% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.77% above avgNationally 2.83%
Details
For "new money" only (Does not apply to funds already on deposit with MEFCU)
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
1 Year Certificate of Deposit
$0
3.78%
▲ 1.75% above Illinois avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.75% above avgNationally 2.83%
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
12 Month Certificate
$0
3.76%
▲ 1.73% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.73% above avgNationally 2.83%
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
3.75%
▲ 1.72% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.72% above avgNationally 2.83%
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Months
$1,000
3.75%
▲ 1.72% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.72% above avgNationally 2.83%
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 12 months
$0
3.75%
▲ 1.72% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.72% above avgNationally 2.83%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.75%
▲ 1.72% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.72% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74%
▲ 1.71% above Illinois avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.71% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74%
▲ 1.71% above Illinois avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.71% above avgNationally 2.83%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special
$3,000
3.70%
▲ 1.67% above Illinois avg
▼
Rate3.63%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.67% above avgNationally 2.83%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 12 Month Special
$3,000
3.70%
▲ 1.67% above Illinois avg
▼
Rate3.63%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.67% above avgNationally 2.83%
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
12-Month CD
$100,000
3.70%
▲ 1.67% above Illinois avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.67% above avgNationally 2.83%
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
12 Month Share Certificate
$0
3.67%
▲ 1.64% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.64% above avgNationally 2.83%
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 12 Months
$1,000
3.66%
▲ 1.63% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.63% above avgNationally 2.83%
Details
APY=Annual Percentage Yield.
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special - 12 Month
$250,000
3.65%
▲ 1.62% above Illinois avg
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.62% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Relationship Special 12 Month
$10,000
3.65%
▲ 1.62% above Illinois avg
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.62% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month
$1,000
3.64%
▲ 1.61% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.61% above avgNationally 2.83%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 12 Month
$0
3.61%
▲ 1.58% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.58% above avgNationally 2.83%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$2,000
3.60%
▲ 1.57% above Illinois avg
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.03%▲ 1.57% above avgNationally 2.83%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 90 days interest
Mount Carroll 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
18 Months
$0
3.00%
▲ 1.09% above Illinois avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.09% above avgNationally 2.67%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 18 Months
$0
3.00%
▲ 1.09% above Illinois avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.09% above avgNationally 2.67%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
18-month CD
$500
0.95%
▼ 0.96% below Illinois avg
▼
Rate0.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▼ 0.96% below avgNationally 2.67%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD
$1,000
4.50%
▲ 2.59% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.59% above avgNationally 2.67%
Details
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Months
$1,000
4.15%
▲ 2.24% above Illinois avg
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.24% above avgNationally 2.67%
Details
Calculated Daily, Compounded Semi-annually
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18-Month
$0
4.07%
▲ 2.16% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.16% above avgNationally 2.67%
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 months
$1,000
4.06%
▲ 2.15% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.15% above avgNationally 2.67%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate
$500
4.05%
▲ 2.14% above Illinois avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.14% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Variable Rate Certificate
$1,000
4.04%
▲ 2.13% above Illinois avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 2.13% above avgNationally 2.67%
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 18 Month Renewal
$0
3.87%
▲ 1.96% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.96% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 1.94% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.94% above avgNationally 2.67%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 months CD
$500
3.85%
▲ 1.94% above Illinois avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.94% above avgNationally 2.67%
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
18 Months
$1,000
3.80%
▲ 1.89% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.89% above avgNationally 2.67%
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.79%
▲ 1.88% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.88% above avgNationally 2.67%
Details
Variable Rate
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month CD
$2,000
3.76%
▲ 1.85% above Illinois avg
▼
Rate3.73%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.85% above avgNationally 2.67%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Months
$2,500
3.75%
▲ 1.84% above Illinois avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.84% above avgNationally 2.67%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 18 Months
$1,000
3.75%
▲ 1.84% above Illinois avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.84% above avgNationally 2.67%
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month CD
$0
3.75%
▲ 1.84% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.84% above avgNationally 2.67%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Months
$1,000
3.70%
▲ 1.79% above Illinois avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.79% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 1.79% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.79% above avgNationally 2.67%
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 18 Months
$1,000
3.68%
▲ 1.77% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.77% above avgNationally 2.67%
Details
APY=Annual Percentage Yield.
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 18 Month
$0
3.66%
▲ 1.75% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.75% above avgNationally 2.67%
Details
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▲ 1.74% above Illinois avg
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.74% above avgNationally 2.67%
Details
New Money
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month
$0
3.59%
▲ 1.68% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.68% above avgNationally 2.67%
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 month
$0
3.56%
▲ 1.65% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.65% above avgNationally 2.67%
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
First State Bank of Campbell Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
18 Months
$0
3.55%
▲ 1.64% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.64% above avgNationally 2.67%
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 month
$500
3.55%
▲ 1.64% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.64% above avgNationally 2.67%
Details
Compounding and Crediting Frequency: Semi-annually
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
18 month Certificate of Deposit
$0
3.55%
▲ 1.64% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.64% above avgNationally 2.67%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
18 months
$0
3.53%
▲ 1.62% above Illinois avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.62% above avgNationally 2.67%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
18 months
$0
3.51%
▲ 1.60% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.60% above avgNationally 2.67%
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 Month Certificate of Deposit
$0
3.46%
▲ 1.55% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.55% above avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials Rewards
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials - 18-month term
$0
3.45%
▲ 1.54% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.54% above avgNationally 2.67%
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Jumbo 18-Month CD
$0
3.40%
▲ 1.49% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.49% above avgNationally 2.67%
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Month Special
$0
3.40%
▲ 1.49% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.49% above avgNationally 2.67%
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18 Month
$0
3.35%
▲ 1.44% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.44% above avgNationally 2.67%
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month CD
$1,000
3.35%
▲ 1.44% above Illinois avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.44% above avgNationally 2.67%
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month CD
$1,000
3.35%
▲ 1.44% above Illinois avg
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.44% above avgNationally 2.67%
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
18-Month IRA
$0
3.34%
▲ 1.43% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.43% above avgNationally 2.67%
Details
Variable Rate Compounded Monthly; Effective 03-01-2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
18 month
$500
3.31%
▲ 1.40% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.40% above avgNationally 2.67%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 18 Month Special
$3,000
3.30%
▲ 1.39% above Illinois avg
▼
Rate3.25%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.39% above avgNationally 2.67%
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 month
$500
3.30%
▲ 1.39% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.39% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.30%
▲ 1.39% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.39% above avgNationally 2.67%
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
18 Month IRA CD
$0
3.29%
▲ 1.38% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.38% above avgNationally 2.67%
Details
Bank of Yates City
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
IRA 18 Mo. Fixed
$500
3.29%
▲ 1.38% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.38% above avgNationally 2.67%
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
18 months CD
$100,000
3.28%
▲ 1.37% above Illinois avg
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average1.91%▲ 1.37% above avgNationally 2.67%
Details
Penalty for early withdrawal.
Mount Carroll 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
20-month special, with rollover into 24-month at time of maturity
$5,000
3.50%
▲ 1.30% above Illinois avg
▼
Rate3.49%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.30% above avgNationally 2.71%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
24 Months
$0
3.25%
▲ 1.05% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.05% above avgNationally 2.71%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 24 Months
$0
3.25%
▲ 1.05% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.05% above avgNationally 2.71%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
24-month CD
$500
1.00%
▼ 1.20% below Illinois avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▼ 1.20% below avgNationally 2.71%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD
$1,000
4.20%
▲ 2.00% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 2.00% above avgNationally 2.71%
Details
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 months
$1,000
4.16%
▲ 1.96% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.96% above avgNationally 2.71%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.95% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.95% above avgNationally 2.71%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24-Month
$0
4.07%
▲ 1.87% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.87% above avgNationally 2.71%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 months CD
$500
4.00%
▲ 1.80% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.80% above avgNationally 2.71%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate
$500
4.00%
▲ 1.80% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.80% above avgNationally 2.71%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months - Diamond
$0
3.95%
▲ 1.75% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.75% above avgNationally 2.71%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 24 Month Renewal
$0
3.92%
▲ 1.72% above Illinois avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.72% above avgNationally 2.71%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months - Platinum
$0
3.90%
▲ 1.70% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.70% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 1.70% above Illinois avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.70% above avgNationally 2.71%
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month CD
$100,000
3.90%
▲ 1.70% above Illinois avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.70% above avgNationally 2.71%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD
$2,000
3.86%
▲ 1.66% above Illinois avg
▼
Rate3.82%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.66% above avgNationally 2.71%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
24 Months
$1,000
3.85%
▲ 1.65% above Illinois avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.65% above avgNationally 2.71%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Months
$2,500
3.80%
▲ 1.60% above Illinois avg
▼
Rate3.74%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.60% above avgNationally 2.71%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 24 Months
$1,000
3.80%
▲ 1.60% above Illinois avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.60% above avgNationally 2.71%
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
24 Months
$1,000
3.80%
▲ 1.60% above Illinois avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.60% above avgNationally 2.71%
Details
No penalty for early withdrawal
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months
$0
3.75%
▲ 1.55% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.55% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75%
▲ 1.55% above Illinois avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.55% above avgNationally 2.71%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 24 Month
$0
3.71%
▲ 1.51% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.51% above avgNationally 2.71%
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month
$20,000
3.70%
▲ 1.50% above Illinois avg
▼
Rate—
Min Deposit$20,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.50% above avgNationally 2.71%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Months
$1,000
3.65%
▲ 1.45% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.45% above avgNationally 2.71%
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month
$0
3.62%
▲ 1.42% above Illinois avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.42% above avgNationally 2.71%
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
2 1/2 Year Certificate of Deposit
$0
3.61%
▲ 1.41% above Illinois avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.41% above avgNationally 2.71%
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month Certificate
$1,000
3.60%
▲ 1.40% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.40% above avgNationally 2.71%
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
24 Month CD/IRA
$1,000
3.56%
▲ 1.36% above Illinois avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.36% above avgNationally 2.71%
Details
Compounding: Daily
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 month
$0
3.56%
▲ 1.36% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.36% above avgNationally 2.71%
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 Month Special
$0
3.55%
▲ 1.35% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.35% above avgNationally 2.71%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 24 Month Special
$0
3.55%
▲ 1.35% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.35% above avgNationally 2.71%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
24 Month CD
$0
3.53%
▲ 1.33% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.33% above avgNationally 2.71%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 months
$0
3.53%
▲ 1.33% above Illinois avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.33% above avgNationally 2.71%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 months
$0
3.51%
▲ 1.31% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.31% above avgNationally 2.71%
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24-Month Term Share
$0
3.50%
▲ 1.30% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.30% above avgNationally 2.71%
Details
Promotional Dividend Rate
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
24 Month
$0
3.46%
▲ 1.26% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.26% above avgNationally 2.71%
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
24 Month Certificate of Deposit
$0
3.46%
▲ 1.26% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.26% above avgNationally 2.71%
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Jumbo 24-Month CD
$0
3.45%
▲ 1.25% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.25% above avgNationally 2.71%
Details
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
24-month
$0
3.44%
▲ 1.24% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.24% above avgNationally 2.71%
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
2 1/2 Year Certificate of Deposit
$0
3.41%
▲ 1.21% above Illinois avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.21% above avgNationally 2.71%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
24 Month Special
$3,000
3.35%
▲ 1.15% above Illinois avg
▼
Rate3.30%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.15% above avgNationally 2.71%
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Business 24 Month Special
$3,000
3.35%
▲ 1.15% above Illinois avg
▼
Rate3.30%
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.15% above avgNationally 2.71%
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 month
$500
3.35%
▲ 1.15% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.15% above avgNationally 2.71%
Details
Compounding and Crediting Frequency: Annually
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
24 month
$500
3.31%
▲ 1.11% above Illinois avg
▼
Rate3.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.11% above avgNationally 2.71%
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
24 Mo. CD
$0
3.30%
▲ 1.10% above Illinois avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.10% above avgNationally 2.71%
Details
Quarterly Compound
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate of Deposit 24 Months
$0
3.30%
▲ 1.10% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.10% above avgNationally 2.71%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
24 Month Certificate
$0
3.30%
▲ 1.10% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.10% above avgNationally 2.71%
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH CERTIFICATE SPECIAL!!!
$1,000
3.29%
▲ 1.09% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.09% above avgNationally 2.71%
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Months
$500
3.29%
▲ 1.09% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.20%▲ 1.09% above avgNationally 2.71%
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Mount Carroll 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
36 Months
$0
3.30%
▲ 1.07% above Illinois avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.07% above avgNationally 2.66%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 36 Months
$0
3.30%
▲ 1.07% above Illinois avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.07% above avgNationally 2.66%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
36-month CD
$500
1.10%
▼ 1.13% below Illinois avg
▼
Rate1.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▼ 1.13% below avgNationally 2.66%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD
$1,000
4.20%
▲ 1.97% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.97% above avgNationally 2.66%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36-Month
$0
4.07%
▲ 1.84% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.84% above avgNationally 2.66%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 months CD
$500
4.00%
▲ 1.77% above Illinois avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.77% above avgNationally 2.66%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 36 Month Renewal
$0
3.97%
▲ 1.74% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.74% above avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 1.63% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.63% above avgNationally 2.66%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Months
$2,500
3.85%
▲ 1.62% above Illinois avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.62% above avgNationally 2.66%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 36 Months
$1,000
3.85%
▲ 1.62% above Illinois avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.62% above avgNationally 2.66%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.62% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.62% above avgNationally 2.66%
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share Certificates 36 Month
$0
3.76%
▲ 1.53% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.53% above avgNationally 2.66%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate
$500
3.75%
▲ 1.52% above Illinois avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.52% above avgNationally 2.66%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71%
▲ 1.48% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.48% above avgNationally 2.66%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Months
$1,000
3.70%
▲ 1.47% above Illinois avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.47% above avgNationally 2.66%
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
36 Month
$0
3.67%
▲ 1.44% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.44% above avgNationally 2.66%
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month
$0
3.64%
▲ 1.41% above Illinois avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.41% above avgNationally 2.66%
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 month
$0
3.61%
▲ 1.38% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.38% above avgNationally 2.66%
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate of Deposit 36 Months
$0
3.55%
▲ 1.32% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.32% above avgNationally 2.66%
Details
Illinois Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
36 month
$0
3.55%
▲ 1.32% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.32% above avgNationally 2.66%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month CD
$0
3.53%
▲ 1.30% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.30% above avgNationally 2.66%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 months
$0
3.53%
▲ 1.30% above Illinois avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.30% above avgNationally 2.66%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 months
$0
3.51%
▲ 1.28% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.28% above avgNationally 2.66%
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
36 Months
$1,000
3.50%
▲ 1.27% above Illinois avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.27% above avgNationally 2.66%
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Jumbo 36-Month CD
$0
3.50%
▲ 1.27% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.27% above avgNationally 2.66%
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month CD
$5,000
3.46%
▲ 1.23% above Illinois avg
▼
Rate3.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.23% above avgNationally 2.66%
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
36 Months
$1,000
3.39%
▲ 1.16% above Illinois avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.16% above avgNationally 2.66%
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36 Months
$500
3.34%
▲ 1.11% above Illinois avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.11% above avgNationally 2.66%
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
36 month CD
$100,000
3.33%
▲ 1.10% above Illinois avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.10% above avgNationally 2.66%
Details
Penalty for early withdrawal.
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Mo. CD
$0
3.30%
▲ 1.07% above Illinois avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.07% above avgNationally 2.66%
Details
Quarterly Compound
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
36 Month Certificate of Deposit
$0
3.30%
▲ 1.07% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.07% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.30%
▲ 1.07% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.07% above avgNationally 2.66%
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
36 Months
$0
3.29%
▲ 1.06% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.06% above avgNationally 2.66%
Details
Interest Compounded Quarterly; 6 Month Interest Penalty
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate
$2,500
3.25%
▲ 1.02% above Illinois avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.02% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.25%
▲ 1.02% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.02% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 36 Month Certificate
$0
3.25%
▲ 1.02% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.02% above avgNationally 2.66%
Details
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD / IRA
$500
3.24%
▲ 1.01% above Illinois avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 1.01% above avgNationally 2.66%
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Year
$0
3.21%
▲ 0.98% above Illinois avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.98% above avgNationally 2.66%
Details
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
36 Months
$0
3.21%
▲ 0.98% above Illinois avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.98% above avgNationally 2.66%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
36 month
$500
3.21%
▲ 0.98% above Illinois avg
▼
Rate3.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.98% above avgNationally 2.66%
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Jumbo IRA Certificate Accounts 36 MONTHS
$0
3.21%
▲ 0.98% above Illinois avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.98% above avgNationally 2.66%
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month Certificate of Deposit
$500
3.20%
▲ 0.97% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.97% above avgNationally 2.66%
Details
Earn 3.20% APY on balances of $500 or more. Account matures in 36 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month Fixed Rate CD
$0
3.20%
▲ 0.97% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.97% above avgNationally 2.66%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month CD
$2,000
3.20%
▲ 0.97% above Illinois avg
▼
Rate3.17%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.97% above avgNationally 2.66%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 180 days interest
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 Month Bump
$0
3.19%
▲ 0.96% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.96% above avgNationally 2.66%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
3.17%
▲ 0.94% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.24%▲ 0.94% above avgNationally 2.66%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 36 Month Certificate
$0
3.17%
▲ 0.94% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.24%▲ 0.94% above avgNationally 2.66%
Details
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Share Certificate 36 Month Term
$0
3.15%
▲ 0.92% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.92% above avgNationally 2.66%
Details
IRA
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Variable Rate Certificate
$0
3.15%
▲ 0.92% above Illinois avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.92% above avgNationally 2.66%
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 month
$500
3.15%
▲ 0.92% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.24%▲ 0.92% above avgNationally 2.66%
Details
Compounding and Crediting Frequency: Annually
Mount Carroll 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
48 Months
$0
3.35%
▲ 1.06% above Illinois avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.06% above avgNationally 2.65%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 48 Months
$0
3.35%
▲ 1.06% above Illinois avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.06% above avgNationally 2.65%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
48-month CD
$500
1.20%
▼ 1.09% below Illinois avg
▼
Rate1.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▼ 1.09% below avgNationally 2.65%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD
$1,000
4.20%
▲ 1.91% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.91% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 1.57% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.57% above avgNationally 2.65%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Months
$2,500
3.85%
▲ 1.56% above Illinois avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.56% above avgNationally 2.65%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 48 Months
$1,000
3.85%
▲ 1.56% above Illinois avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.56% above avgNationally 2.65%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.56% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.56% above avgNationally 2.65%
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
48 Month
$0
3.77%
▲ 1.48% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.48% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71%
▲ 1.42% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.42% above avgNationally 2.65%
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Months
$1,000
3.70%
▲ 1.41% above Illinois avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.41% above avgNationally 2.65%
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
48 months CD
$500
3.70%
▲ 1.41% above Illinois avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.41% above avgNationally 2.65%
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
48-Month CD
$0
3.65%
▲ 1.36% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.36% above avgNationally 2.65%
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
48 Months
$1,000
3.65%
▲ 1.36% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.36% above avgNationally 2.65%
Details
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
4 Year Certificate of Deposit
$0
3.61%
▲ 1.32% above Illinois avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.32% above avgNationally 2.65%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month CD
$0
3.58%
▲ 1.29% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.29% above avgNationally 2.65%
Details
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month CD
$5,000
3.56%
▲ 1.27% above Illinois avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.27% above avgNationally 2.65%
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Jumbo 48-Month CD
$0
3.55%
▲ 1.26% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.26% above avgNationally 2.65%
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate of Deposit 48 Months
$0
3.50%
▲ 1.21% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.21% above avgNationally 2.65%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Certificate
$500
3.50%
▲ 1.21% above Illinois avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.21% above avgNationally 2.65%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 months
$0
3.47%
▲ 1.18% above Illinois avg
▼
Rate3.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.18% above avgNationally 2.65%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 months
$0
3.45%
▲ 1.16% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.16% above avgNationally 2.65%
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
48 Months
$500
3.44%
▲ 1.15% above Illinois avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.15% above avgNationally 2.65%
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 3 Month Interest
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
48 month CD
$100,000
3.43%
▲ 1.14% above Illinois avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.14% above avgNationally 2.65%
Details
Penalty for early withdrawal.
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
4 Year Certificate of Deposit
$0
3.41%
▲ 1.12% above Illinois avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.12% above avgNationally 2.65%
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Mo. CD
$0
3.40%
▲ 1.11% above Illinois avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.11% above avgNationally 2.65%
Details
Quarterly Compound
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 month
$0
3.40%
▲ 1.11% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.11% above avgNationally 2.65%
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD / IRA
$500
3.34%
▲ 1.05% above Illinois avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.05% above avgNationally 2.65%
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
48 Months
$1,000
3.34%
▲ 1.05% above Illinois avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.05% above avgNationally 2.65%
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 Month Certificate of Deposit
$0
3.30%
▲ 1.01% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.01% above avgNationally 2.65%
Details
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
48-Month
$0
3.30%
▲ 1.01% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.01% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.30%
▲ 1.01% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.01% above avgNationally 2.65%
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
36 to 48 Month
$0
3.29%
▲ 1.00% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.00% above avgNationally 2.65%
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
48 Months
$0
3.29%
▲ 1.00% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.00% above avgNationally 2.65%
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
48 Months
$0
3.29%
▲ 1.00% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 1.00% above avgNationally 2.65%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Community National Bank in Monmouth
Institution Rating:
A5.0 ★Texas Ratio: 10.97%
4 Year Certificate of Deposit
$0
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 48 Month Certificate
$0
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Term Certificates: Regular & IRA (Traditional & Roth) 48 mos
$0
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Jumbo IRA Certificate Accounts 48 MONTHS
$0
3.25%
▲ 0.96% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.96% above avgNationally 2.65%
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 Month
$0
3.24%
▲ 0.95% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.95% above avgNationally 2.65%
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
48 month CD
$500
3.20%
▲ 0.91% above Illinois avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.91% above avgNationally 2.65%
Details
Penalty for early withdrawal.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 month
$500
3.20%
▲ 0.91% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.91% above avgNationally 2.65%
Details
Compounding and Crediting Frequency: Annually
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Regular 48-Month CD
$0
3.20%
▲ 0.91% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.91% above avgNationally 2.65%
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
48 month Certificate of Deposit
$0
3.18%
▲ 0.89% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.89% above avgNationally 2.65%
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Months
$500
3.15%
▲ 0.86% above Illinois avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.86% above avgNationally 2.65%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$0
3.12%
▲ 0.83% above Illinois avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.29%▲ 0.83% above avgNationally 2.65%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
3.12%
▲ 0.83% above Illinois avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.29%▲ 0.83% above avgNationally 2.65%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
48 month
$500
3.11%
▲ 0.82% above Illinois avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.29%▲ 0.82% above avgNationally 2.65%
Details
Mount Carroll 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
60 Months
$0
3.50%
▲ 1.16% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.16% above avgNationally 2.76%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
CD 60 Months
$0
3.50%
▲ 1.16% above Illinois avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.16% above avgNationally 2.76%
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
642 South East Street, Mount Carroll, IL 61053
Special IRA 60 Month
$0
3.25%
▲ 0.91% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.91% above avgNationally 2.76%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
703 South East Street, Mount Carroll, IL 61053
60-month CD
$500
1.25%
▼ 1.09% below Illinois avg
▼
Rate1.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▼ 1.09% below avgNationally 2.76%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD
$1,000
4.20%
▲ 1.86% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.86% above avgNationally 2.76%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.71% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.71% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 1.63% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.63% above avgNationally 2.76%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Months
$2,500
3.90%
▲ 1.56% above Illinois avg
▼
Rate3.83%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.56% above avgNationally 2.76%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 5 Year Variable
$1,000
3.90%
▲ 1.56% above Illinois avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.56% above avgNationally 2.76%
Details
First Bank Chicago
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Roth IRA 60 Months
$1,000
3.90%
▲ 1.56% above Illinois avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.56% above avgNationally 2.76%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 1.56% above Illinois avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.56% above avgNationally 2.76%
Details
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
60 Month
$0
3.87%
▲ 1.53% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.53% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81%
▲ 1.47% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.47% above avgNationally 2.76%
Details
Central Bank Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
7, 13, 18, 30, or 60 month CD
$1,000
3.75%
▲ 1.41% above Illinois avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.41% above avgNationally 2.76%
Details
Annual Percentage Yield. The stated APY is accurate as of 8/19/26. Substantial penalty for early withdrawal and fees may reduce earnings. Certain restrictions may apply. Offer may be withdrawn at any time. At maturity, 7-Month CD and 13-Month CD will automatically renew to a term of 182-Day and 12-Months, respectively.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Months
$1,000
3.75%
▲ 1.41% above Illinois avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.41% above avgNationally 2.76%
Details
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month CD
$0
3.63%
▲ 1.29% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.29% above avgNationally 2.76%
Details
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
Jumbo 60-Month CD
$50,000
3.60%
▲ 1.26% above Illinois avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.26% above avgNationally 2.76%
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
60 month CD
$100,000
3.53%
▲ 1.19% above Illinois avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.19% above avgNationally 2.76%
Details
Penalty for early withdrawal.
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 months
$0
3.53%
▲ 1.19% above Illinois avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.19% above avgNationally 2.76%
Details
The Credit Union For All
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 months
$0
3.51%
▲ 1.17% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.17% above avgNationally 2.76%
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▲ 1.17% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.17% above avgNationally 2.76%
Details
State Bank Waterloo, IL
Institution Rating:
B4.6 ★Texas Ratio: 20.21%
60 Months
$1,000
3.50%
▲ 1.16% above Illinois avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.16% above avgNationally 2.76%
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate of Deposit 60 Months
$0
3.50%
▲ 1.16% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.16% above avgNationally 2.76%
Details
Citizens Community Bank Mascoutah, IL
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
60 Months
$5,000
3.49%
▲ 1.15% above Illinois avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.15% above avgNationally 2.76%
Details
Interest Credited/Compounded: Quarterly; Grace Days: 10; Early Withdrawal Penalty: 9 Month Interest
Bank of Rantoul
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD / IRA
$500
3.44%
▲ 1.10% above Illinois avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.10% above avgNationally 2.76%
Details
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Mo. CD
$0
3.40%
▲ 1.06% above Illinois avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.06% above avgNationally 2.76%
Details
Quarterly Compound
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
3.38%
▲ 1.04% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.34%▲ 1.04% above avgNationally 2.76%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 60 Month Certificate
$0
3.38%
▲ 1.04% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.34%▲ 1.04% above avgNationally 2.76%
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 month
$0
3.35%
▲ 1.01% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.01% above avgNationally 2.76%
Details
*** Minimum balance of $10,000 is required.
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
60 Months
$0
3.34%
▲ 1.00% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 1.00% above avgNationally 2.76%
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Months
$500
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
60 Month CD/IRA
$1,000
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Compounding: Daily
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 Month Certificate of Deposit
$0
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
60 month CD
$500
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Penalty for early withdrawal.
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
60-Month
$0
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 month
$500
3.30%
▲ 0.96% above Illinois avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Compounding and Crediting Frequency: Annually
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Jumbo IRA Certificate Accounts 60 MONTHS
$0
3.30%
▲ 0.96% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.96% above avgNationally 2.76%
Details
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
60 Months
$0
3.29%
▲ 0.95% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.95% above avgNationally 2.76%
Details
Interest Compounded Quarterly; 12 Month Interest Penalty
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
5 Year
$0
3.29%
▲ 0.95% above Illinois avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.95% above avgNationally 2.76%
Details
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
60 Month
$0
3.29%
▲ 0.95% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.95% above avgNationally 2.76%
Details
FNB of Waterloo
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
60 Months
$1,000
3.29%
▲ 0.95% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.95% above avgNationally 2.76%
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
60 month Certificate of Deposit
$0
3.29%
▲ 0.95% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.95% above avgNationally 2.76%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month
$0
3.28%
▲ 0.94% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.34%▲ 0.94% above avgNationally 2.76%
Details
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
3.28%
▲ 0.94% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 19, 2026
Illinois Average2.34%▲ 0.94% above avgNationally 2.76%
Details
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.25%
▲ 0.91% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.91% above avgNationally 2.76%
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Certificate
$2,500
3.25%
▲ 0.91% above Illinois avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.91% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
▲ 0.91% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.91% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 60 Month Certificate
$0
3.25%
▲ 0.91% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Illinois Average2.34%▲ 0.91% above avgNationally 2.76%
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Mount Carroll, IL CD Rate Trends
Compare local Mount Carroll, IL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — IL Avg
2.029%
▼ 0.123 vs 7 days ago
Illinois 12-month CD rates fell 0.123 points over the past 7 days to 2.029% APY.
6-Month CD — IL Avg
1.773%
▼ 0.233 vs 7 days ago
Illinois 6-month CD rates fell 0.233 points over the past 7 days to 1.773% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IL CD Rate Forecast — Next 12 Months
Where are Illinois CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.029%
6-Month Forecast
2.029%
Range: 1.83% – 2.18%
12-Month Forecast
1.779%
Range: 1.58% – 1.93%
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What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.411% | $70.57 | $141.13 | $352.83 | $705.65 |
| 6-Month CD | 1.773% | $88.64 | $177.27 | $443.18 | $886.35 |
| 12-Month CD | 2.029% | $101.45 | $202.89 | $507.23 | $1,014.45 |
| 18-Month CD | 1.914% | $95.70 | $191.39 | $478.47 | $956.95 |
| 24-Month CD | 2.203% | $110.16 | $220.32 | $550.80 | $1,101.60 |
| 36-Month CD | 2.235% | $111.75 | $223.50 | $558.75 | $1,117.50 |
| 48-Month CD | 2.292% | $114.59 | $229.18 | $572.95 | $1,145.90 |
| 60-Month CD | 2.338% | $116.88 | $233.76 | $584.40 | $1,168.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Mount Carroll, Illinois Savers
$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.411% | $70.57 |
| 2 | 6-Month CD | $5,000 | 1.773% | $88.64 |
| 3 | 12-Month CD | $5,000 | 2.029% | $101.45 |
| 4 | 24-Month CD | $5,000 | 2.203% | $110.16 |
| 5 | 36-Month CD | $5,000 | 2.235% | $111.75 |
| Total ($25,000 invested) | $25,000 | 1.930% blended | $482.57/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,322
CD Rates
Tracked in Mount Carroll, Illinois
Tracked in Mount Carroll, Illinois
86 Banks
60 Credit Unions
About Our Mount Carroll, Illinois CD Rate Database
MonitorBankRates tracks 1,322 CD rates from 86 banks and 60 credit unions with locations in Mount Carroll, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Fidelity Bank Savanna, IL offers a CD at 4.00% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in Mount Carroll, Illinois.
How to Find the Best CD Rates in Mount Carroll, Illinois
What to compare when shopping for a CD in Mount Carroll, Illinois
To find the best APYs in Mount Carroll, Illinois, start with credit unions and online-only banks — Mount Carroll, Illinois has 60 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 Mount Carroll, 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 Mount Carroll, Illinois — 146 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Mount Carroll, Illinois savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Mount Carroll, Illinois money market rates
Mount Carroll, Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.7%
National avg: 17.3%
Median Individual Earnings
$36,412
National avg: $47,340
Poverty Rate
14.1%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$74/yr
At IL 12-mo avg 2.029% APY
21.7% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.2% reflects a strong local economy. At today’s IL 12-month CD average of 2.029%, saving 10% of the local median salary ($3,641/year) and putting it in a CD would earn an additional $74 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 Mount Carroll, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, Illinois as everywhere in the U.S.
Choosing a CD Term in Mount Carroll, 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 Mount Carroll, Illinois savers easier access to their funds. For example, Farmers National Bank is offering its 6 Months (182 Days) at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Farmers National Bank is offering its 60 Months at 3.50% 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mount Carroll, 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 Mount Carroll, Illinois
Are CD rates in Mount Carroll, Illinois FDIC insured?
Yes, most established banks in Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, Illinois?
Here are recent top rates found for this area:
- Fidelity Bank Savanna, IL: 4.00% APY (10-month special, with rollover into 12-month at time of maturity)
- Farmers National Bank: 3.75% APY (3 Months (91 Days))
- United Fidelity Bank: 4.50% APY (18-Month CD)
- Vibrant Credit Union: 4.25% APY (6-month cd)
- Rock Valley Credit Union: 4.25% APY (6 Mo.)
- The FNB Community Bank: 4.16% APY (24 months)
- CIBC: 4.15% APY (12-month CD)
- Lindell Bank & Trust Company: 4.15% APY (18 Months)
- Michigan State University Federal Credit Union: 4.15% APY (2-Year Certificate or IRA-HSA Jumbo)
- Bank of Herrin: 4.10% APY (Special 12 Month CD)
Rates reflect recent verified offers available in Mount Carroll, Illinois. Last Updated: August 28, 2026
Mount Carroll, 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 Mount Carroll, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mount Carroll, Illinois
Mount Carroll, Illinois CD Calculator
At today’s IL top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Mount Carroll, Illinois CD LadderIL CD rates currently range from 1.411% (3-month) to 2.235% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mount Carroll, Illinois CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.029% 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 Mount Carroll, 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 Mount Carroll, 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 Mount Carroll, 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: August 28, 2026
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