Scheller, Illinois CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Scheller, Illinois CD rates include Evergreen Park Schools Federal Credit UnionEvergreen Park Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.03%Real return: +11.95%APY minus CPI (February 2026) offering 2016 - 2012 - 36 Months at 14.75% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.35%APY minus CPI (February 2026) offering 6-Month CD Term at 4.15% APY, CIBCCIBCA+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY, Gas and Electric Credit UnionGas and Electric Credit UnionA+5.0 ★Texas Ratio: 4.19%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY, and Bank of HerrinBank of HerrinB+4.8 ★Texas Ratio: 16.91%Real return: +1.30%APY minus CPI (February 2026) offering Special 12 Month CD at 4.10% APY. CD rates as of June 22, 2026 according to verified data from MonitorBankRates.
Scheller is a smaller community with no bank or credit union branches currently in our database. 764 institutions serving the Illinois area are available to Scheller residents, with CD rates as high as 14.75% APY from Evergreen Park Schools Federal Credit Union. 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: June 22, 2026
Compare Best CD Rates in Scheller, Illinois & the Surrounding Area
Scheller 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months. $500 minimum opening balance. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 3-month term - regardless of changing interest rates. After 3 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Months (91 Days)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
3 month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
3 month*
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
* $1,000 minimum balance is required. 90 day early withdrawal penalty.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month Certificate
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.Penalty waived after the first 10 calendar days.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3-month - Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
CD 3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Months
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3 Month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business Certificates of Deposit 3 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
91 Day CD (3 Months)
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$2,000
3.00%
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Petefish, Skiles & Co. Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month CD
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
3 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.15%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedJun 22, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Term Certificates: Regular & IRA (Traditional & Roth) 3 mos
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
3 mo Share Certificate
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 22, 2026
Details
First Community Bank of Moultrie County
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
3 Month
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Scheller 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 months
$500
4.10%
▼
Rate4.04%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificates $500 to $20,000
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Jumbo 6-Month Share Certificate
$0
4.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Only available June 8-26. Requires a minimum of $50,000 deposit. Traditional Share Certificate terms apply, including an early termination penalty. Rate offerings not valid with other promotional offers (Birthday Month, High-Caliber Program, etc).
Metropolitan L Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
6 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
As Low As
Rate3.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month
$1,000
3.84%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
5
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
6 Month Share Certificate
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6 Month Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6-month CD special
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
No compounding, interest paid at maturity
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Months Certificate of Deposit/IRA
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Paid at Maturity; Early Withdrawal Penalty: 90 days of Interest
Rate3.70%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LIMITED TO FUNDS NOT ALREADY ON DEPOSIT
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month IRA
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month CD
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.65%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Diamond APY
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.60%
Min Deposit$2,500
Min Balance—
UpdatedJun 22, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Platinum APY
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$2,000
3.60%
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 6 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Months (182 Days)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6 month CD
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 6-month term - regardless of changing interest rates. After 6 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Base APY
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate
$0
3.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
At Maturity
Scheller 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
12-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Promotional period: June 22 - June 30th
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months (1 year)
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificates $500 to $20,000
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
High-Rate Jumbo 12-Month CD
$100,000
3.95%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
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. Call for rates and APY on additional minimum balances.
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12 Month CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
12 month
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Months Certificate of Deposit/IRA
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
12 Month Certificate of Deposit
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Kid/Teen Club Add-On Certificate of Deposit 12 month*
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Quarterly compounding. IRA funds permitted. No business funds permitted.
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 12 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedJun 16, 2026
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%
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
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%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
12 Month
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$2,000
3.60%
▼
Rate3.57%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 months CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 month CD
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
12 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
12 Month Special
$3,000
3.55%
▼
Rate3.49%
Min Deposit$3,000
Min Balance—
UpdatedJun 16, 2026
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
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 12 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 month**
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
12 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1 Year Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate 1 Year
$100
3.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Scheller 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Featured rate
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month CD
$2,000
3.80%
▼
Rate3.76%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Variable Rate Certificate
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Months Certificate of Deposit/IRA
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Share Certificates 18 Months
$0
3.68%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Variable Rate
Murphy-Wall State B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month NEW Money Certificate of Deposit Special
$2,500
3.65%
▼
Rate3.62%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 months CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
18 month**
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 month
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
18 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificate or IRA-HSA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month Variable IRA
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Variable; Quarterly Compounding
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month CD
$1,000
3.35%
▼
Rate3.31%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates (CDs) 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business Certificates of Deposit 18 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
SEP IRA 18 Month Variable
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 Month Variable
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Variable Rate
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
SEP IRA 18 Month Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 Month Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Fixed Rate
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18-month - Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Month Special
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Share Certificate 18 Month
$100
3.10%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificates over $20,000
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
CD 18 Months
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Scheller 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD
$2,000
3.81%
▼
Rate3.77%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2-Year Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
24-Month CD
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 month CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 months CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
24 Months Certificate of Deposit/IRA
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Certificate
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
At Maturity
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 month**
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2-Year Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
24 Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
24 month
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Share Certificate Special
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
NEW MONEY ONLY- LIMITED TIME
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
24 Month CD/IRA
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Compounding: Daily
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Nashville Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTH CERTIFICATE SPECIAL
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
State Bank of Graymont
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 Month CD
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Share Certificate Special
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Limited Time Only
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business Certificates of Deposit 24 Months
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
24 MONTHS
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
24 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
IRA Certificates 24 Months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 months (2 years)
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificates over $20,000
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
24-month - Share Certificates
$0
3.08%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Scheller 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 36 Months
$0
14.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 0
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 36 Months
$0
14.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 0
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 36 Months
$0
13.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 0
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Months
$0
13.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 500
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 36 Months
$0
11.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Months
$0
11.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 36 Months
$0
11.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 36 Months
$0
10.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 36 Months
$0
10.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 36 Months
$0
10.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 36 Months
$0
9.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 36 Months
$0
9.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Months
$0
9.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 36 Months
$0
9.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 36 Months
$0
9.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 36 Months
$0
8.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 36 Months
$0
8.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 36 Months
$0
8.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 36 Months
$0
7.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 36 Months
$0
7.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Months
$0
7.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 700 +
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 36 Months
$0
7.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 36 Months
$0
6.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
36 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
One great rate.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Year Certificate or IRA-HSA Jumbo
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 month CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 months CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
36 Months Certificate of Deposit/IRA
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Certificate
$0
3.64%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
At Maturity
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 month**
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Year Certificate or IRA-HSA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 36 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.40%
Min Deposit$5,000
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Scheller 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 48 Months
$0
12.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 48 Months
$0
11.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 48 Months
$0
11.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 48 Months
$0
10.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 48 Months
$0
10.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2011 or Older - 48 Months
$0
9.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 48 Months
$0
9.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2016 - 2012 - 48 Months
$0
9.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
4-Year Certificate or IRA-HSA Jumbo
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
48 months CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
48 Months Certificate of Deposit/IRA
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
4-Year Certificate or IRA-HSA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.50%
Min Deposit$5,000
Min Balance—
UpdatedJun 22, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 month**
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business Certificates of Deposit 48 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
48 Month
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month CD
$2,000
3.25%
▼
Rate3.22%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
48 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
48 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
IRA Certificates 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
CD 48 Months
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Scheller 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 60 Months
$0
14.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 0
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 60 Months
$0
14.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 599 - 0
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 60 Months
$0
11.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Up to 60 Months
$0
10.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 60 Months
$0
10.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 659 - 600
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 60 Months
$0
9.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 60 Months
$0
8.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 699 - 660
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 60 Months
$0
8.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Up to 60 Months
$0
8.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 700 +
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2023 - 2017 - 60 Months
$0
8.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 60 Months
$0
7.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 759 - 700
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2024 or Newer - 60 Months
$0
7.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Credit Score: 760+
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
60 Months Certificate of Deposit/IRA
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Compounding Frequency: Quarterly; Early Withdrawal Penalty: 273 days of Interest
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank in Olney
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
60 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Term Certificates: Regular & IRA (Traditional & Roth) 60 mos
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
IRA Certificate 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 month***
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
*** Minimum balance of $10,000 is required.
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Business Certificates of Deposit 60 Months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60-Month CD
$2,000
3.30%
▼
Rate3.27%
Min Deposit$2,000
Min Balance—
UpdatedJun 22, 2026
Details
Spring Valley City Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.12%
60 Month CD/IRA
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 22, 2026
Details
Compounding: Daily
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Quarterly Compound
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
CD 60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
60 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.85%
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Special IRA 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
PeopleFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Certificate
$2,500
3.25%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 22, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Scheller, IL CD Rate Trends
Compare local Scheller, 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
2.331%
▼ 0.043 vs 7 days ago
Illinois 12-month CD rates fell 0.043 points over the past 7 days to 2.331% APY.
6-Month CD — IL Avg
2.293%
▼ 0.017 vs 7 days ago
Illinois 6-month CD rates fell 0.017 points over the past 7 days to 2.293% APY.
As of Jun 23, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.331%
6-Month Forecast
2.331%
Range: 2.13% – 2.48%
12-Month Forecast
2.081%
Range: 1.88% – 2.23%
Powered by
MonitorBankRates
What Your Savings Earn at IL CD Rates Today
Annual interest earnings at today’s Illinois average APYs. State average used where available; national average as fallback.
| CD Term | IL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.955% | $97.77 | $195.53 | $488.83 | $977.65 |
| 6-Month CD | 2.293% | $114.64 | $229.27 | $573.18 | $1,146.35 |
| 12-Month CD | 2.331% | $116.53 | $233.05 | $582.63 | $1,165.25 |
| 18-Month CD | 2.364% | $118.22 | $236.44 | $591.10 | $1,182.20 |
| 24-Month CD | 2.172% | $108.61 | $217.22 | $543.05 | $1,086.10 |
| 36-Month CD | 2.372% | $118.59 | $237.18 | $592.95 | $1,185.90 |
| 48-Month CD | 2.513% | $125.63 | $251.25 | $628.13 | $1,256.25 |
| 60-Month CD | 2.425% | $121.27 | $242.53 | $606.33 | $1,212.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 22, 2026. | |||||
Sample CD Ladder for Scheller, 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 | 1.955% | $97.77 |
| 2 | 6-Month CD | $5,000 | 2.293% | $114.64 |
| 3 | 12-Month CD | $5,000 | 2.331% | $116.53 |
| 4 | 24-Month CD | $5,000 | 2.172% | $108.61 |
| 5 | 36-Month CD | $5,000 | 2.372% | $118.59 |
| Total ($25,000 invested) | $25,000 | 2.225% blended | $556.14/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.
954
CD Rates
Tracked in Scheller, Illinois
Tracked in Scheller, Illinois
75 Banks
54 Credit Unions
About Our Scheller, Illinois CD Rate Database
MonitorBankRates tracks 954 CD rates from 75 banks and 54 credit unions with locations in Scheller, 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: Evergreen Park Schools Federal Credit Union offers a CD at 14.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Scheller, Illinois.
How to Find the Best CD Rates in Scheller, Illinois
What to compare when shopping for a CD in Scheller, Illinois
To find the best APYs in Scheller, Illinois, start with credit unions and online-only banks — Scheller, Illinois has 54 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 Scheller, 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 Scheller, Illinois — 129 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Scheller, Illinois savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Scheller, Illinois money market rates
Illinois Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$48,393
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At IL 12-mo avg 2.331% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s IL 12-month CD average of 2.331%, saving 10% of the local median salary ($4,839/year) and putting it in a CD would earn an additional $113 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Scheller, 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 Scheller, 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 Scheller, 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 Scheller, Illinois as everywhere in the U.S.
Choosing a CD Term in Scheller, 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 Scheller, Illinois savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD Term at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Evergreen Park Schools Federal Credit Union is offering its 2023 - 2017 - 60 Months at 14.75% 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 Scheller, 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 Scheller, 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 Scheller, 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 Scheller, 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 Scheller, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Scheller, 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 Scheller, Illinois
Are CD rates in Scheller, Illinois FDIC insured?
Yes, most established banks in Scheller, 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 Scheller, 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 Scheller, 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 Scheller, 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 Scheller, Illinois?
Here are recent top rates found for this area:
- Evergreen Park Schools Federal Credit Union: 14.75% APY (2016 - 2012 - 36 Months)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- CIBC: 4.15% APY (18-month CD)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Bank of Herrin: 4.10% APY (Special 12 Month CD)
- Policemens Federal Credit Union: 4.10% APY (6 months)
- Gas and Electric Credit Union: 4.10% APY (6 Month CD)
- Chicago Patrolmens Federal Credit Union: 4.08% APY (Jumbo 6-Month Share Certificate)
- Alliance Community Bank: 4.07% APY (24-Month CD)
- Metropolitan L Federal Credit Union: 4.05% APY (6 Month CD)
Rates reflect recent verified offers available in Scheller, Illinois. Last Updated: June 22, 2026
CD Calculators for Scheller, Illinois
Scheller, Illinois CD Calculator
At today’s IL top rate of 14.75% APY, a $10,000 deposit earns $1,475 in the first year. Enter your amount to see your exact return.
Scheller, Illinois CD LadderIL CD rates currently range from 1.955% (3-month) to 2.372% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Scheller, Illinois CD at 14.75% 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 2.331% 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 Scheller, 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 Scheller, 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 Scheller, 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: June 22, 2026
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