Springfield, Illinois Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Springfield, Illinois CD rates range from 0.01% to 5.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Springfield, Illinois CD rates include Alliance Community BankAlliance Community BankRoute 29 And Andrew Road, Springfield, IL 62707A+5.0 ★Texas Ratio: 3.93%Real return: +1.38%APY minus CPI (February 2026) offering 12-Month Certificate of Deposit at 4.18% APY, Warren-Boynton State BankWarren-Boynton State Bank3030 Spring Mill Dr, Springfield, IL 62704A+5.0 ★Texas Ratio: 2.61%Real return: +1.19%APY minus CPI (February 2026) offering 12 Month CD at 3.99% APY, Cooperative Choice Network Credit UnionCooperative Choice Network Credit Union3900 Wood Duck Dr, Springfield, IL 62711A+5.0 ★Texas Ratio: 1.48%Real return: +1.17%APY minus CPI (February 2026) offering Traditional Share Certificates - 36 Month Renewal at 3.97% APY, Heartland Credit Union Springfield, ILHeartland Credit Union Springfield, IL2712 E Sangamon Ave, Springfield, IL 62702A+5.0 ★Texas Ratio: 1.20%Real return: +1.07%APY minus CPI (February 2026) offering 12 Month Kid/Teen Club Add-On Certificate of Deposit at 3.87% APY, and INB National AssociationINB National Association322 E Capitol Ave, Springfield, IL 62701A5.0 ★Texas Ratio: 9.74%Real return: +0.91%APY minus CPI (February 2026) offering 6-MO CD at 3.71% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Springfield has 260 local institutions in our database, with CD rates as high as 4.18% APY from Alliance Community Bank at Route 29 And Andrew Road, Springfield, IL 62707. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Illinois area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Springfield, Illinois & the Surrounding Area
Springfield 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 3 Month
$1,000
3.51%
▲ 1.94% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.94% above avgNationally 2.09%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
3-Month Certificate of Deposit
$1,000
3.45%
▲ 1.88% above Illinois avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 3 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
3 Month Term and Share Certificates
$0
3.43%
▲ 1.86% above Illinois avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.86% above avgNationally 2.09%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 3 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
3 Month Term and Share Certificates
$0
3.07%
▲ 1.50% above Illinois avg
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.50% above avgNationally 2.09%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 3 times
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
90 Day Certificate of Deposit
$1,000
3.00%
▲ 1.43% above Illinois avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details
Minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 3 MONTHS
$0
2.95%
▲ 1.38% above Illinois avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
- Oct 10, 20262.95%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 3 MONTHS
$0
2.95%
▲ 1.38% above Illinois avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
- Oct 10, 20262.95%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
3 Month Certificate
$0
2.90%
▲ 1.33% above Illinois avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.33% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
- Oct 10, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 3 MONTHS
$0
2.90%
▲ 1.33% above Illinois avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.33% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.90% ▲ 0.30 pts · high 2.90% / low 2.60%
- Oct 10, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
3 Month CD
$1,000
2.52%
▲ 0.95% above Illinois avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 0.95% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
3 Month Certificate of Deposit
$0
2.10%
▲ 0.53% above Illinois avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 0.53% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
3 Month Certificate of Deposit
$0
2.04%
▲ 0.47% above Illinois avg
▼
Rate2.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 0.47% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 2.04% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
3 Month CD
$500
2.00%
▲ 0.43% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 0.43% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
15-90 Day CD
$0
0.70%
▼ 0.87% below Illinois avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 0.87% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 7 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 3 Month
$1,000
0.21%
▼ 1.36% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.36% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 0.21% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
3 Month Certificate of Deposit
$0
0.03%
▼ 1.54% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.54% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
3 Month Certificate
$2,500
0.03%
▼ 1.54% below Illinois avg
▼
Rate0.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.54% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
3 Month Certificate of Deposit
$0
0.02%
▼ 1.55% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.55% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
3 Month Certificate of Deposit
$0
0.01%
▼ 1.56% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▼ 1.56% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Month Certificate
$1,000
4.48%
▲ 2.91% above Illinois avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 2.91% above avgNationally 2.09%
Details
Early Withdrawal Penalty: 1 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.53% → 4.48% ▲ 0.95 pts · high 4.48% / low 3.53%
- Oct 7, 20264.48%▲ from 3.53%
- Sep 14, 20263.53%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 3 Months
$500
4.08%
▲ 2.51% above Illinois avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 2.51% above avgNationally 2.09%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.72% → 4.08% ▲ 0.36 pts · high 4.08% / low 3.72%
- Oct 8, 20264.08%▲ from 3.72%
- Sep 16, 20263.72%first recorded
State Bank of Industry
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
Certificate of Deposit - 3 Months
$0
4.01%
▲ 2.44% above Illinois avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 2.44% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.28% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Illinois Average1.57%▲ 2.28% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Merchants Bank of Indiana
Institution Rating:
A5.0 ★Texas Ratio: 11.97%
Fixed Rate CD - 3 Month
$1,000
3.82%
▲ 2.25% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.25% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 90 Days
$0
3.75%
▲ 2.18% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 90 Days
$0
3.75%
▲ 2.18% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details
Balance: $500 Minimum
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 2.18% above Illinois avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month CD
$1,000
3.65%
▲ 2.08% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.08% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
SSB State Street Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
90 Day / 3 Month CD Special
$1,000
3.65%
▲ 2.08% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 2.08% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.98% above Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.98% above avgNationally 2.09%
Details
Earn 3.55% APY on balances of $500 or more.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Dieterich Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
3 Month CD
$0
3.51%
▲ 1.94% above Illinois avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 3 times
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
3 Month CD
$0
3.45%
▲ 1.88% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details
Monthly: 3.45%, Quarterly: 3.44%
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 8, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month CD
$500
3.45%
▲ 1.88% above Illinois avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.88% above avgNationally 2.09%
Details
Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40%
▲ 1.83% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.83% above avgNationally 2.09%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Business Certificate of Deposit
$0
3.34%
▲ 1.77% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Certificate
$0
3.34%
▲ 1.77% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Business Certificates of Deposit - 3 Months
$0
3.34%
▲ 1.77% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.77% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.34% APY · checked 2 times
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month Certificate
$500
3.30%
▲ 1.73% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.73% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.25%
▲ 1.68% above Illinois avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
3 MONTH CD
$500
3.25%
▲ 1.68% above Illinois avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 5 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25%
▲ 1.68% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average1.57%▲ 1.68% above avgNationally 2.09%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 25, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Month Certificate
$0
3.15%
▲ 1.58% above Illinois avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average1.57%▲ 1.58% above avgNationally 2.09%
Details
Rate History
1 change since Sep 19, 2026 · 2.94% → 3.15% ▲ 0.21 pts · high 3.15% / low 2.94%
- Oct 7, 20263.15%▲ from 2.94%
- Sep 19, 20262.94%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month IRA Certificate
$1,000
3.10%
▲ 1.53% above Illinois avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 2 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo IRA Certificate
$75,000
3.10%
▲ 1.53% above Illinois avg
▼
Rate3.06%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo Share Certificate
$75,000
3.10%
▲ 1.53% above Illinois avg
▼
Rate3.06%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details
Balance: $75,000+
Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 4 times
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Share Certificate
$1,000
3.10%
▲ 1.53% above Illinois avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details
Balance: $1,000$74,999
Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 2 times
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 Months CD
$1,000
3.05%
▲ 1.48% above Illinois avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.05% APY · checked 4 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.05%
▲ 1.48% above Illinois avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month Certificate of Deposit
$0
3.05%
▲ 1.48% above Illinois avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.48% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3-Month CD
$2,000
3.00%
▲ 1.43% above Illinois avg
▼
Rate2.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
Springfield 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 6 Month Renewal
$0
3.76%
▲ 1.45% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.77%
Details
Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
6-MO CD
$1,000
3.71%
▲ 1.40% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.40% above avgNationally 2.77%
Details
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. 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.
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (6 Month Special)
$1,000
3.71%
▲ 1.40% above Illinois avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.40% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
6-Month Certificate of Deposit
$1,000
3.56%
▲ 1.25% above Illinois avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.25% above avgNationally 2.77%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 6 Month
$0
3.56%
▲ 1.25% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.25% above avgNationally 2.77%
Details
Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 6 Month
$1,000
3.51%
▲ 1.20% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.20% above avgNationally 2.77%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
6-MONTH CD SPECIAL
$1,000
3.43%
▲ 1.12% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.12% above avgNationally 2.77%
Details
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. 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.
Rate History
No change since Sep 18, 2026 · 3.43% APY · checked 6 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (6 Month Special)
$1,000
3.43%
▲ 1.12% above Illinois avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.12% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.43% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
6 Month Term and Share Certificates
$0
3.32%
▲ 1.01% above Illinois avg
▼
Rate3.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.01% above avgNationally 2.77%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.32% APY · checked 3 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
6 Month Share Certificate
$0
3.29%
▲ 0.98% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.98% above avgNationally 2.77%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.29% APY · checked 2 times
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
6 Month Certificate of Deposit
$1,000
3.25%
▲ 0.94% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.94% above avgNationally 2.77%
Details
Minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
6 Month Share Certificate
$0
3.19%
▲ 0.88% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.88% above avgNationally 2.77%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.19% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
6 Month Share Certificate
$0
3.14%
▲ 0.83% above Illinois avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.83% above avgNationally 2.77%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.14% APY · checked 2 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 6 MONTHS
$0
3.05%
▲ 0.74% above Illinois avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 0.74% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.76% → 3.05% ▲ 0.29 pts · high 3.05% / low 2.76%
- Oct 10, 20263.05%▲ from 2.76%
- Sep 14, 20262.76%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 6 MONTHS
$0
3.05%
▲ 0.74% above Illinois avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 0.74% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.76% → 3.05% ▲ 0.29 pts · high 3.05% / low 2.76%
- Oct 10, 20263.05%▲ from 2.76%
- Sep 14, 20262.76%first recorded
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
6 Month Share Certificate
$0
3.04%
▲ 0.73% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.73% above avgNationally 2.77%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.04% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
6 Month Term and Share Certificates
$0
3.02%
▲ 0.71% above Illinois avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 0.71% above avgNationally 2.77%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 3.02% APY · checked 3 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
6 Month Certificate
$0
3.00%
▲ 0.69% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 0.69% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.70% → 3.00% ▲ 0.30 pts · high 3.00% / low 2.70%
- Oct 10, 20263.00%▲ from 2.70%
- Sep 14, 20262.70%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 6 MONTHS
$0
3.00%
▲ 0.69% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 0.69% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 2.70% → 3.00% ▲ 0.30 pts · high 3.00% / low 2.70%
- Oct 10, 20263.00%▲ from 2.70%
- Sep 14, 20262.70%first recorded
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
6 Month CD
$1,000
2.78%
▲ 0.47% above Illinois avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 0.47% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
6 Month Certificate of Deposit
$0
2.52%
▲ 0.21% above Illinois avg
▼
Rate2.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 0.21% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 6 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
6 Month Certificate of Deposit
$0
2.46%
▲ 0.15% above Illinois avg
▼
Rate2.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 0.15% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 2.46% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
6 Month CD
$500
2.25%
▼ 0.06% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
730 Engineering Ave, Springfield, IL 62703
6 Month Student Growth Share Certificates
$50
2.25%
▼ 0.06% below Illinois avg
▼
Rate2.22%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.06% below avgNationally 2.77%
Details
Certificate available to members age 16-22 with an ISPFCU Student Checking account; funds can be added at any time in any denomination; early withdrawal penalty of 90 days of dividends
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
Premier IRA (Rising Rate C) - Last 6 months
$0
2.01%
▼ 0.30% below Illinois avg
▼
Rate2.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 0.30% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 2.01% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
6 Month Business Share Certificates Plus (CD)
$0
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
6 Month Share Certificate (CD)
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
6 Month Share Certificate Plus (CD)
$0
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
6 Month Traditional IRA Certificate
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 6 Months
$1,000
2.00%
▼ 0.31% below Illinois avg
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▼ 0.31% below avgNationally 2.77%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
6 Month PeeWee Share Certificate
$0
1.75%
▼ 0.56% below Illinois avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▼ 0.56% below avgNationally 2.77%
Details
For newborn through 16 years of age
Rate History
No change since Oct 13, 2026 · 1.75% APY
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
IRA (Rising Rate G) - Last 6 months
$0
1.50%
▼ 0.81% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 0.81% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
Premier IRA (Rising Rate C) - Next 6 months
$0
1.50%
▼ 0.81% below Illinois avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 0.81% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
Premier IRA (Rising Rate C) - Next 6 months
$0
1.35%
▼ 0.96% below Illinois avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 0.96% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.35% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
IRA (Rising Rate G) - Next 6 months
$0
1.25%
▼ 1.06% below Illinois avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.06% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
Premier IRA (Rising Rate C) - First 6 months
$0
1.25%
▼ 1.06% below Illinois avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.06% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
IRA (Rising Rate G) - Next 6 months
$0
1.10%
▼ 1.21% below Illinois avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.21% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.10% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
IRA (Rising Rate G) - First 6 months
$0
1.00%
▼ 1.31% below Illinois avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.31% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (6 Mos)
$0
0.65%
▼ 1.66% below Illinois avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 1.66% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 6 Month
$1,000
0.26%
▼ 2.05% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 2.05% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 0.26% APY · checked 5 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
6 Month Certificate
$2,500
0.07%
▼ 2.24% below Illinois avg
▼
Rate0.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 2.24% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 0.07% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
6 Month Certificate of Deposit
$0
0.03%
▼ 2.28% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 2.28% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
6 Month Certificate of Deposit
$0
0.02%
▼ 2.29% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 2.29% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
6 Month Certificate of Deposit
$0
0.01%
▼ 2.30% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▼ 2.30% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 2.09% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 2.09% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6 Month Certificate
$1,000
4.36%
▲ 2.05% above Illinois avg
▼
Rate4.32%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 2.05% above avgNationally 2.77%
Details
Early Withdrawal Penalty: 3 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.36% ▲ 0.54 pts · high 4.36% / low 3.82%
- Oct 7, 20264.36%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
6-Month CD Special
$0
4.25%
▲ 1.94% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month CD SPECIAL
$1,000
4.25%
▲ 1.94% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.77%
Details
Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6 Month Certificates (CDs) - Promotional
$1,000
4.25%
▲ 1.94% above Illinois avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 6 Months
$500
4.24%
▲ 1.93% above Illinois avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.93% above avgNationally 2.77%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 3.82% → 4.24% ▲ 0.42 pts · high 4.24% / low 3.82%
- Oct 8, 20264.24%▲ from 3.82%
- Sep 16, 20263.82%first recorded
Springfield 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
12-Month Certificate of Deposit
$1,000
4.18%
▲ 1.66% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.66% above avgNationally 2.99%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 4.18% APY · checked 3 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
12 Month CD
$1,000
3.99%
▲ 1.47% above Illinois avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.47% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2712 E Sangamon Ave, Springfield, IL 62702
12 Month Kid/Teen Club Add-On Certificate of Deposit
$0
3.87%
▲ 1.35% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.35% above avgNationally 2.99%
Details
Must be a Kid/Teen Club Member to qualify for rates; $25.00 minimum balance required; Rates subject to change without notice
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
- Oct 9, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 12 Month Renewal
$0
3.82%
▲ 1.30% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.30% above avgNationally 2.99%
Details
Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 12 Month
$0
3.61%
▲ 1.09% above Illinois avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.09% above avgNationally 2.99%
Details
Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 12 Month
$1,000
3.51%
▲ 0.99% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.99% above avgNationally 2.99%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
IRA (12 Month Special)
$0
3.50%
▲ 0.98% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
12 Month Certificate of Deposit
$1,000
3.50%
▲ 0.98% above Illinois avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.98% above avgNationally 2.99%
Details
Minimum: $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
1 Year Share Certificate
$0
3.45%
▲ 0.93% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.93% above avgNationally 2.99%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
12 Month Term and Share Certificates
$0
3.35%
▲ 0.83% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.83% above avgNationally 2.99%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
1 Year Share Certificate
$0
3.35%
▲ 0.83% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.83% above avgNationally 2.99%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
12 Month CD
$0
3.34%
▲ 0.82% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 0.82% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
1 Year Share Certificate
$0
3.30%
▲ 0.78% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.78% above avgNationally 2.99%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
12 Month Business Share Certificates Plus (CD)
$0
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
12 Month Share Certificate (CD)
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
12 Month Share Certificate Plus (CD)
$0
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
12 Month Traditional IRA Certificate
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.25% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 12 Months
$1,000
3.25%
▲ 0.73% above Illinois avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.73% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
1 Year Share Certificate
$0
3.20%
▲ 0.68% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.68% above avgNationally 2.99%
Details
Interest paid at maturity. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.20% APY · checked 2 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 12 MONTHS
$0
3.15%
▲ 0.63% above Illinois avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.86% → 3.15% ▲ 0.29 pts · high 3.15% / low 2.86%
- Oct 10, 20263.15%▲ from 2.86%
- Sep 14, 20262.86%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 12 MONTHS
$0
3.15%
▲ 0.63% above Illinois avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.86% → 3.15% ▲ 0.29 pts · high 3.15% / low 2.86%
- Oct 10, 20263.15%▲ from 2.86%
- Sep 14, 20262.86%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo IRA Certificate Accounts - 12 MONTHS
$0
3.15%
▲ 0.63% above Illinois avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.86% → 3.15% ▲ 0.29 pts · high 3.15% / low 2.86%
- Oct 10, 20263.15%▲ from 2.86%
- Sep 14, 20262.86%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
12 Month Certificate
$0
3.10%
▲ 0.58% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.10% ▲ 0.30 pts · high 3.10% / low 2.80%
- Oct 10, 20263.10%▲ from 2.80%
- Sep 14, 20262.80%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
12 Month IRA Certificates
$0
3.10%
▲ 0.58% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Oct 10, 2026 · 3.10% APY
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 12 MONTHS
$0
3.10%
▲ 0.58% above Illinois avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.10% ▲ 0.30 pts · high 3.10% / low 2.80%
- Oct 10, 20263.10%▲ from 2.80%
- Sep 14, 20262.80%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
12 Month Term and Share Certificates
$0
3.00%
▲ 0.48% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 0.48% above avgNationally 2.99%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
12 Month Certificate of Deposit
$0
2.66%
▲ 0.14% above Illinois avg
▼
Rate2.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 0.14% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.66% APY · checked 6 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
12 Month Certificate of Deposit
$0
2.60%
▲ 0.08% above Illinois avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▲ 0.08% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 6 times
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
730 Engineering Ave, Springfield, IL 62703
12 Month Student Growth Share Certificates
$50
2.50%
▼ 0.02% below Illinois avg
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.02% below avgNationally 2.99%
Details
Certificate available to members age 16-22 with an ISPFCU Student Checking account; funds can be added at any time in any denomination; early withdrawal penalty of 90 days of dividends
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
12 Month Future Me CD
$500
2.07%
▼ 0.45% below Illinois avg
▼
Rate2.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.45% below avgNationally 2.99%
Details
Our Future Me CD allows you to save for a goal. Federally insured by NCUA.
Rate History
No change since Oct 9, 2026 · 2.07% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
12 Month Term and Share Certificates
$0
2.01%
▼ 0.51% below Illinois avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.51% below avgNationally 2.99%
Details
Share Certificate Starter; Balance: $100.00 minimum
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.01% ▼ 0.99 pts · high 3.00% / low 2.01%
- Oct 13, 20262.01%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
1 Year CD
$500
2.00%
▼ 0.52% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 0.52% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
12 Month PeeWee Share Certificate
$0
1.90%
▼ 0.62% below Illinois avg
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▼ 0.62% below avgNationally 2.99%
Details
For newborn through 16 years of age
Rate History
No change since Oct 13, 2026 · 1.90% APY
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
IRA - 12 Month Fixed CD
$1,000
1.76%
▼ 0.76% below Illinois avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▼ 0.76% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (1 year)
$0
1.35%
▼ 1.17% below Illinois avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.17% below avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 1.35% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (1 year)
$0
1.25%
▼ 1.27% below Illinois avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.27% below avgNationally 2.99%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (1 Year)
$0
1.25%
▼ 1.27% below Illinois avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.27% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
12 Month Certificate
$1,500
1.00%
▼ 1.52% below Illinois avg
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.52% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
12 Month CD/IRA
$1,000
1.00%
▼ 1.52% below Illinois avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.52% below avgNationally 2.99%
Details
Rate History
No change since Sep 9, 2026 · 1.00% APY · checked 8 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (Less than 12 Mos)
$0
0.75%
▼ 1.77% below Illinois avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.77% below avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (Less than 12 Mos)
$0
0.65%
▼ 1.87% below Illinois avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 1.87% below avgNationally 2.99%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 12 Month
$1,000
0.41%
▼ 2.11% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 2.11% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.41% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
12 Month Certificate of Deposit
$0
0.03%
▼ 2.49% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 2.49% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
12 Month Certificate of Deposit
$0
0.02%
▼ 2.50% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 2.50% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
12 Month Certificate of Deposit
$0
0.01%
▼ 2.51% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.52%▼ 2.51% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1 Year Certificate
$0
5.00%
▲ 2.48% above Illinois avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 2.48% above avgNationally 2.99%
Details
Share Certificate Special; (must have Checking)
Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12-Month IRA
$0
4.60%
▲ 2.08% above Illinois avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 2.08% above avgNationally 2.99%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.60% ▲ 0.52 pts · high 4.60% / low 4.08%
- Oct 8, 20264.60%▲ from 4.08%
- Sep 16, 20264.08%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
IRA Certificates - 12 Month
$0
4.50%
▲ 1.98% above Illinois avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Standard Certificates - 12 Month
$0
4.50%
▲ 1.98% above Illinois avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 1 Year
$0
4.40%
▲ 1.88% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.88% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 13, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Springfield 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
18-Month Certificate of Deposit
$1,000
4.07%
▲ 1.63% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 18 Month Renewal
$0
3.87%
▲ 1.43% above Illinois avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.43% above avgNationally 2.88%
Details
Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 18 Month
$0
3.66%
▲ 1.22% above Illinois avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.22% above avgNationally 2.88%
Details
Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 18 Month
$1,000
3.51%
▲ 1.07% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.07% above avgNationally 2.88%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
18 Month CD
$1,000
3.25%
▲ 0.81% above Illinois avg
▼
Rate3.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.81% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 18 MONTHS
$0
3.25%
▲ 0.81% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 0.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 10, 20263.25%▲ from 2.95%
- Sep 14, 20262.95%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 18 MONTHS
$0
3.25%
▲ 0.81% above Illinois avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 0.81% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 10, 20263.25%▲ from 2.95%
- Sep 14, 20262.95%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
18 Month Term and Share Certificates
$0
3.20%
▲ 0.76% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.76% above avgNationally 2.88%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
18 Month Certificate
$0
3.20%
▲ 0.76% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 10, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 18 MONTHS
$0
3.20%
▲ 0.76% above Illinois avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 10, 20263.20%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
18 Month Term and Share Certificates
$0
2.86%
▲ 0.42% above Illinois avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.42% above avgNationally 2.88%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 2.86% APY · checked 3 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
IRA - 18 Month Variable CD
$100
2.52%
▲ 0.08% above Illinois avg
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.08% above avgNationally 2.88%
Details
Rate may change after the account is opened.
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
730 Engineering Ave, Springfield, IL 62703
18 Month Student Growth Share Certificates
$50
2.50%
▲ 0.06% above Illinois avg
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 0.06% above avgNationally 2.88%
Details
Certificate available to members age 16-22 with an ISPFCU Student Checking account; funds can be added at any time in any denomination; early withdrawal penalty of 90 days of dividends
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (18 Mos)
$0
1.35%
▼ 1.09% below Illinois avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.09% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.35% APY · checked 2 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
18 Month CD/IRA
$1,000
1.20%
▼ 1.24% below Illinois avg
▼
Rate1.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.24% below avgNationally 2.88%
Details
Rate History
No change since Sep 9, 2026 · 1.20% APY · checked 8 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
18 Month Certificate
$1,500
1.00%
▼ 1.44% below Illinois avg
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
18 Month Variable IRA
$100
1.00%
▼ 1.44% below Illinois avg
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.44% below avgNationally 2.88%
Details
Variable
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 18 Month
$1,000
0.51%
▼ 1.93% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.93% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.51% APY · checked 5 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 18 Month Flex CD
$10,000
0.46%
▼ 1.98% below Illinois avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 1.98% below avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 0.46% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
18 Month Certificate of Deposit
$0
0.03%
▼ 2.41% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 2.41% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
18 Month Certificate of Deposit
$0
0.02%
▼ 2.42% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 2.42% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
18 Month Certificate of Deposit
$0
0.01%
▼ 2.43% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▼ 2.43% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
18 Month Variable Rate Certificate
$1,000
4.62%
▲ 2.18% above Illinois avg
▼
Rate4.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 2.18% above avgNationally 2.88%
Details
Rate changes quarterly-Quarterly compounding-$100.00 minimum additions permitted-IRA fund also permitted
Rate History
1 change since Sep 24, 2026 · 4.04% → 4.62% ▲ 0.58 pts · high 4.62% / low 4.04%
- Oct 3, 20264.62%▲ from 4.04%
- Sep 24, 20264.04%first recorded
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
18 Month Certificate of Deposit
$1,000
4.52%
▲ 2.08% above Illinois avg
▼
Rate4.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 2.08% above avgNationally 2.88%
Details
Compound Method: Calculated Daily, Compounded Semi-annually
Rate History
No change since Oct 7, 2026 · 4.52% APY · checked 3 times
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 18 Month
$0
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 13, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 18 Month
$0
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
Balance: $500 Minimum
Rate History
1 change since Sep 22, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 9, 20264.40%▲ from 4.00%
- Sep 22, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40%
▲ 1.96% above Illinois avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details
HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.91% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.91% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month Certificate
$0
4.30%
▲ 1.86% above Illinois avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.86% above avgNationally 2.88%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
18 Month Certificates of Deposit (CDs)
$1,000
4.29%
▲ 1.85% above Illinois avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.43% → 4.29% ▲ 0.86 pts · high 4.29% / low 3.43%
- Sep 24, 20264.29%▲ from 3.43%
- Sep 18, 20263.43%first recorded
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month CD SPECIAL
$1,000
4.25%
▲ 1.81% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details
Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
18 Month Certificates of Deposit (CDs)
$0
4.25%
▲ 1.81% above Illinois avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.81% above avgNationally 2.88%
Details
Balance: $5,000 and over
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Tremont First National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
18 MONTH VARIABLE IRA
$250
4.22%
▲ 1.78% above Illinois avg
▼
Rate4.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.78% above avgNationally 2.88%
Details
IRA ONLY
Rate History
No change since Sep 27, 2026 · 4.22% APY · checked 4 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17%
▲ 1.73% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.73% above avgNationally 2.88%
Details
Variable Rate
Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
- Oct 3, 20264.17%▲ from 3.79%
- Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month CD
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
- Oct 7, 20264.15%▲ from 3.05%
- Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month IRA
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.05% → 4.15% ▲ 1.10 pts · high 4.15% / low 3.05%
- Oct 7, 20264.15%▲ from 3.05%
- Sep 7, 20263.05%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
18 Month or 24 Month or 30 Month
$1,000
4.15%
▲ 1.71% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Specials: Pick Your Term
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.71% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 Month Certificate
$500
4.08%
▲ 1.64% above Illinois avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.64% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
18 Months IRA
$100
4.07%
▲ 1.63% above Illinois avg
▼
Rate4.01%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.63% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
No change since Oct 11, 2026 · 4.07% APY
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
18 Month Certificate
$1,000
4.06%
▲ 1.62% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Oct 11, 20264.06%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Bank of Kampsville
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
18 Month Certificate of Deposit
$1,000
4.06%
▲ 1.62% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.03% → 4.06% ▲ 1.03 pts · high 4.06% / low 3.03%
- Oct 11, 20264.06%▲ from 3.03%
- Sep 11, 20263.03%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18 Month Certificates of Deposit (CDs)
$1,000
4.06%
▲ 1.62% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.62% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates 18 Months
$1,000
4.03%
▲ 1.59% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90%
- Oct 10, 20264.03%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA
$0
4.00%
▲ 1.56% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.56% above avgNationally 2.88%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 25, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.85%
▲ 1.41% above Illinois avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.44%▲ 1.41% above avgNationally 2.88%
Details
Share Certificates; Dividend Rate; Early withdrawal penalty 1% of amount withdrawn per year of the original CD term
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Certificate
$500
3.82%
▲ 1.38% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.38% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
18 Month Certificate
$2,500
3.80%
▲ 1.36% above Illinois avg
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Springfield 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
24-Month Certificate of Deposit
$1,000
4.07%
▲ 1.62% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.62% above avgNationally 2.88%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 24 Month Renewal
$0
3.92%
▲ 1.47% above Illinois avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.47% above avgNationally 2.88%
Details
Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 2 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 24 Month
$0
3.71%
▲ 1.26% above Illinois avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.26% above avgNationally 2.88%
Details
Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
24 Month CD
$1,000
3.53%
▲ 1.08% above Illinois avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 24 Month
$1,000
3.51%
▲ 1.06% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.06% above avgNationally 2.88%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 24 MONTHS
$0
3.35%
▲ 0.90% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.90% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15%
- Oct 10, 20263.35%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 24 MONTHS
$0
3.35%
▲ 0.90% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.90% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15%
- Oct 10, 20263.35%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo IRA Certificate Accounts - 24 MONTHS
$0
3.35%
▲ 0.90% above Illinois avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.90% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15%
- Oct 10, 20263.35%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
24 Month Certificate
$0
3.30%
▲ 0.85% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 10, 20263.30%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
24 Month IRA Certificates
$0
3.30%
▲ 0.85% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.30% APY
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 24 MONTHS
$0
3.30%
▲ 0.85% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 10, 20263.30%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
24 Month Term and Share Certificates
$0
3.08%
▲ 0.63% above Illinois avg
▼
Rate3.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.63% above avgNationally 2.88%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 3 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
24 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
24 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
24 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
24 Month Traditional IRA Certificate
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 24 Months
$1,000
3.00%
▲ 0.55% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.55% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
2 Year Share Certificate
$0
2.89%
▲ 0.44% above Illinois avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.44% above avgNationally 2.88%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 2.89% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
2 Year Share Certificate
$0
2.79%
▲ 0.34% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.34% above avgNationally 2.88%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 2 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
24 Month Certificate of Deposit
$0
2.77%
▲ 0.32% above Illinois avg
▼
Rate2.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 0.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.41% → 2.77% ▲ 0.36 pts · high 2.77% / low 2.41%
- Oct 2, 20262.77%▲ from 2.41%
- Sep 18, 20262.41%first recorded
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
24 Month Certificate of Deposit
$0
2.71%
▲ 0.26% above Illinois avg
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 0.26% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.41% → 2.71% ▲ 0.30 pts · high 2.71% / low 2.41%
- Oct 2, 20262.71%▲ from 2.41%
- Sep 18, 20262.41%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
24 Month Term and Share Certificates
$0
2.68%
▲ 0.23% above Illinois avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.23% above avgNationally 2.88%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 3 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
2 Year Share Certificate
$0
2.63%
▲ 0.18% above Illinois avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.18% above avgNationally 2.88%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 2.63% APY · checked 2 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
IRA - 24 Month Fixed CD
$1,000
2.56%
▲ 0.11% above Illinois avg
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 7 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
2 Year Share Certificate
$0
2.53%
▲ 0.08% above Illinois avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.08% above avgNationally 2.88%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 2.53% APY · checked 2 times
Illinois State Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
730 Engineering Ave, Springfield, IL 62703
24 Month Student Growth Share Certificates
$50
2.50%
▲ 0.05% above Illinois avg
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.05% above avgNationally 2.88%
Details
Certificate available to members age 16-22 with an ISPFCU Student Checking account; funds can be added at any time in any denomination; early withdrawal penalty of 90 days of dividends
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
24 Month CD
$0
2.32%
▼ 0.13% below Illinois avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.13% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 3 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
IRA - 24 Month (Fixed)
$0
2.32%
▼ 0.13% below Illinois avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.13% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
2 Year CD
$500
2.25%
▼ 0.20% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (2 year)
$0
1.55%
▼ 0.90% below Illinois avg
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.90% below avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 1.55% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (2 year)
$0
1.45%
▼ 1.00% below Illinois avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.00% below avgNationally 2.88%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (2 Year)
$0
1.45%
▼ 1.00% below Illinois avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.00% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 2 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
24 Month CD/IRA
$1,000
1.30%
▼ 1.15% below Illinois avg
▼
Rate1.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.15% below avgNationally 2.88%
Details
Rate History
No change since Sep 9, 2026 · 1.30% APY · checked 8 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
24 Month Certificate
$1,500
1.00%
▼ 1.45% below Illinois avg
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.45% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 2 Year
$1,000
0.75%
▼ 1.70% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.70% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
24 Month Certificate of Deposit
$0
0.03%
▼ 2.42% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.42% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
24 Month Certificate of Deposit
$0
0.02%
▼ 2.43% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.43% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
24 Month Certificate of Deposit
$0
0.01%
▼ 2.44% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.44% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-Month IRA
$0
4.81%
▲ 2.36% above Illinois avg
▼
Rate4.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 2.36% above avgNationally 2.88%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
1 change since Sep 16, 2026 · 4.34% → 4.81% ▲ 0.47 pts · high 4.81% / low 4.34%
- Oct 8, 20264.81%▲ from 4.34%
- Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55%
▲ 2.10% above Illinois avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 2.10% above avgNationally 2.88%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.08% → 4.55% ▲ 0.47 pts · high 4.55% / low 4.08%
- Oct 8, 20264.55%▲ from 4.08%
- Sep 16, 20264.08%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
20-month special, with rollover into 24-month at time of maturity
$0
4.50%
▲ 2.05% above Illinois avg
▼
Rate4.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 2.05% above avgNationally 2.88%
Details
All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2 Year Certificate
$1,000
4.43%
▲ 1.98% above Illinois avg
▼
Rate4.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.98% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.26% → 4.43% ▲ 1.17 pts · high 4.43% / low 3.26%
- Oct 7, 20264.43%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Cornerstone Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Month Personal CD & IRA CD
$1,000
4.40%
▲ 1.95% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.95% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.60% → 4.40% ▲ 0.80 pts · high 4.40% / low 3.60%
- Oct 9, 20264.40%▲ from 3.70%
- Sep 21, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month Certificate
$0
4.30%
▲ 1.85% above Illinois avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details
$500 to $99,999.99
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo
$0
4.30%
▲ 1.85% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 25, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 24 Month
$0
4.30%
▲ 1.85% above Illinois avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 13, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 24 Month
$0
4.30%
▲ 1.85% above Illinois avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.85% above avgNationally 2.88%
Details
Balance: $500 Minimum
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 22, 20263.90%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
24 Month Certificates of Deposit (CDs)
$1,000
4.29%
▲ 1.84% above Illinois avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.84% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.54% → 4.29% ▲ 0.75 pts · high 4.29% / low 3.54%
- Sep 24, 20264.29%▲ from 3.54%
- Sep 18, 20263.54%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-month CD/IRA Promotional Rate
$0
4.25%
▲ 1.80% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
First National Bank of Pana
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
24 Month CD SPECIAL
$1,000
4.25%
▲ 1.80% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details
Annual Percentage Yield of 4.25% for 6 months 4 terms to fit your needs-6, 12, 18, and 24-month special.* Call or stop in for full details.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Springfield 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
36-Month Certificate of Deposit
$1,000
4.07%
▲ 1.70% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.70% above avgNationally 2.81%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 36 Month Renewal
$0
3.97%
▲ 1.60% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.60% above avgNationally 2.81%
Details
Renewal certificate; dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 2 times
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3900 Wood Duck Dr, Springfield, IL 62711
Traditional Share Certificates - 36 Month
$0
3.76%
▲ 1.39% above Illinois avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.39% above avgNationally 2.81%
Details
Dividends paid monthly; penalty for early withdrawal; effective March 1, 2026; Share Certificates, Traditional, Roth, Educational IRA's
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
3 Year Share Certificate
$0
3.56%
▲ 1.19% above Illinois avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.19% above avgNationally 2.81%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
36 Month CD
$1,000
3.53%
▲ 1.16% above Illinois avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 36 Month
$1,000
3.51%
▲ 1.14% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.14% above avgNationally 2.81%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 36 MONTHS
$0
3.45%
▲ 1.08% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.21% → 3.45% ▲ 0.24 pts · high 3.45% / low 3.21%
- Oct 10, 20263.45%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 36 MONTHS
$0
3.45%
▲ 1.08% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.21% → 3.45% ▲ 0.24 pts · high 3.45% / low 3.21%
- Oct 10, 20263.45%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo IRA Certificate Accounts - 36 MONTHS
$0
3.45%
▲ 1.08% above Illinois avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.21% → 3.45% ▲ 0.24 pts · high 3.45% / low 3.21%
- Oct 10, 20263.45%▲ from 3.21%
- Sep 14, 20263.21%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
36 Month Certificate
$0
3.40%
▲ 1.03% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 10, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
36 Month IRA Certificates
$0
3.40%
▲ 1.03% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.03% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.40% APY
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 36 MONTHS
$0
3.40%
▲ 1.03% above Illinois avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 10, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
3 Year Share Certificate
$0
3.30%
▲ 0.93% above Illinois avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.93% above avgNationally 2.81%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
3 Year Share Certificate
$0
3.04%
▲ 0.67% above Illinois avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.67% above avgNationally 2.81%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 3.04% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
36 Month Term and Share Certificates
$0
3.03%
▲ 0.66% above Illinois avg
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.66% above avgNationally 2.81%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
36 Month Business Share Certificates Plus (CD)
$0
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
36 Month Share Certificate (CD)
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
36 Month Share Certificate Plus (CD)
$0
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
36 Month Traditional IRA Certificate
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 3.00% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 36 Months
$1,000
3.00%
▲ 0.63% above Illinois avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 0.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
36 Month Certificate of Deposit
$0
2.87%
▲ 0.50% above Illinois avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 0.50% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 2.21% → 2.87% ▲ 0.66 pts · high 2.87% / low 2.21%
- Oct 2, 20262.87%▲ from 2.21%
- Sep 18, 20262.21%first recorded
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
36 Month Certificate of Deposit
$0
2.81%
▲ 0.44% above Illinois avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 0.44% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 2.21% → 2.81% ▲ 0.60 pts · high 2.81% / low 2.21%
- Oct 2, 20262.81%▲ from 2.21%
- Sep 18, 20262.21%first recorded
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
915 S Durkin Dr Ste A, Springfield, IL 62704
3 Year Share Certificate
$0
2.79%
▲ 0.42% above Illinois avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.42% above avgNationally 2.81%
Details
Interest paid twice annually/6-30 & 12/31. All rates are subject to change.
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
36 Month Term and Share Certificates
$0
2.58%
▲ 0.21% above Illinois avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 0.21% above avgNationally 2.81%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 3 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
36 Month CD
$0
2.42%
▲ 0.05% above Illinois avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 0.05% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.42% APY · checked 3 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
36 Month Certificate
$1,500
2.00%
▼ 0.37% below Illinois avg
▼
Rate1.99%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
300 S 7th St Ste B4, Springfield, IL 62701 1929
36 Month Certificate of Deposit
$1,000
2.00%
▼ 0.37% below Illinois avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▼ 0.37% below avgNationally 2.81%
Details
Minimum: $1,000
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (3 Year)
$0
1.55%
▼ 0.82% below Illinois avg
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.82% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 1.55% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
3 Year CD
$500
1.40%
▼ 0.97% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
36 Month CD/IRA
$1,000
1.40%
▼ 0.97% below Illinois avg
▼
Rate1.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 0.97% below avgNationally 2.81%
Details
Rate History
No change since Sep 9, 2026 · 1.40% APY · checked 8 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 3 Year
$1,000
0.91%
▼ 1.46% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 1.46% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.91% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
36 Month Certificate of Deposit
$0
0.03%
▼ 2.34% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 2.34% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
36 Month Certificate of Deposit
$0
0.02%
▼ 2.35% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 2.35% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
36 Month Certificate of Deposit
$0
0.01%
▼ 2.36% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▼ 2.36% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36-Month IRA
$0
5.02%
▲ 2.65% above Illinois avg
▼
Rate4.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 2.65% above avgNationally 2.81%
Details
Minimum initial deposit $1,000 for Traditional and Roth IRA Certificates; $500 for Educational IRA Certificates
Rate History
No change since Oct 12, 2026 · 5.02% APY
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 36 Months
$500
4.71%
▲ 2.34% above Illinois avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 2.34% above avgNationally 2.81%
Details
Non-Compounding Certificates available
Rate History
1 change since Sep 16, 2026 · 4.13% → 4.71% ▲ 0.58 pts · high 4.71% / low 4.13%
- Oct 8, 20264.71%▲ from 4.13%
- Sep 16, 20264.13%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Share Certificate
$0
4.45%
▲ 2.08% above Illinois avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 2.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 4.45% ▲ 1.70 pts · high 4.45% / low 2.75%
- Oct 10, 20264.45%▲ from 2.75%
- Sep 14, 20262.75%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Minimum - Limited Time Specials! 36 Months
$0
4.45%
▲ 2.08% above Illinois avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 2.08% above avgNationally 2.81%
Details
$1,000; **
Rate History
No change since Oct 10, 2026 · 4.45% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.98% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.98% above avgNationally 2.81%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Year Certificate
$1,000
4.33%
▲ 1.96% above Illinois avg
▼
Rate4.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.96% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.21% → 4.33% ▲ 1.12 pts · high 4.33% / low 3.21%
- Oct 7, 20264.33%▲ from 3.21%
- Sep 14, 20263.21%first recorded
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
36 Months IRA
$100
4.33%
▲ 1.96% above Illinois avg
▼
Rate4.24%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.96% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
No change since Oct 11, 2026 · 4.33% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.83% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 36 Month
$0
4.20%
▲ 1.83% above Illinois avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 13, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 36 Month
$0
4.20%
▲ 1.83% above Illinois avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.83% above avgNationally 2.81%
Details
Balance: $500 Minimum
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 9, 20264.20%▲ from 3.80%
- Sep 22, 20263.80%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
36 Month Certificate
$1,000
4.16%
▲ 1.79% above Illinois avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.79% above avgNationally 2.81%
Details
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
- Oct 11, 20264.16%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.78% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.78% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.73% above Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.37%▲ 1.73% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year CD
$0
4.10%
▲ 1.73% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 1.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
36 Month Certificate
$2,500
4.05%
▲ 1.68% above Illinois avg
▼
Rate3.98%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.68% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
Roth IRA - 36 Months
$1,000
4.05%
▲ 1.68% above Illinois avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.37%▲ 1.68% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Springfield 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
48 Month CD
$1,000
3.58%
▲ 1.13% above Illinois avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.13% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 7 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 48 MONTHS
$0
3.55%
▲ 1.10% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 48 MONTHS
$0
3.55%
▲ 1.10% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo IRA Certificate Accounts - 48 MONTHS
$0
3.55%
▲ 1.10% above Illinois avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
- Oct 10, 20263.55%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 48 Month
$1,000
3.51%
▲ 1.06% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.06% above avgNationally 2.80%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
48 Month Certificate
$0
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Oct 10, 20263.50%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
48 Month IRA Certificates
$0
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 3.50% APY
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 48 MONTHS
$0
3.50%
▲ 1.05% above Illinois avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
- Oct 10, 20263.50%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
48-Month Certificate of Deposit
$1,000
3.30%
▲ 0.85% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.85% above avgNationally 2.80%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
48 Month Term and Share Certificates
$0
3.03%
▲ 0.58% above Illinois avg
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.58% above avgNationally 2.80%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
48 Month Certificate of Deposit
$0
3.02%
▲ 0.57% above Illinois avg
▼
Rate2.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 0.57% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 2.17% → 3.02% ▲ 0.85 pts · high 3.02% / low 2.17%
- Oct 2, 20263.02%▲ from 2.17%
- Sep 18, 20262.17%first recorded
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
48 Month Certificate of Deposit
$0
2.96%
▲ 0.51% above Illinois avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 0.51% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 2.17% → 2.96% ▲ 0.79 pts · high 2.96% / low 2.17%
- Oct 2, 20262.96%▲ from 2.17%
- Sep 18, 20262.17%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
48 Month Business Share Certificates Plus (CD)
$0
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
48 Month Share Certificate (CD)
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
48 Month Share Certificate Plus (CD)
$0
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
48 Month Traditional IRA Certificate
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 48 Months
$1,000
2.75%
▲ 0.30% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 0.30% above avgNationally 2.80%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
48 Month Term and Share Certificates
$0
2.58%
▲ 0.13% above Illinois avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 0.13% above avgNationally 2.80%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 3 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
48 Month CD
$0
2.47%
▲ 0.02% above Illinois avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.02% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 3 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
IRA - 48 Month (Fixed)
$0
2.47%
▲ 0.02% above Illinois avg
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.02% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 7 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
48 Month Certificate
$5,000
2.00%
▼ 0.45% below Illinois avg
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.45% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (4 Year)
$0
1.65%
▼ 0.80% below Illinois avg
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.80% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 1.65% APY · checked 2 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
48 Month CD/IRA
$1,000
1.61%
▼ 0.84% below Illinois avg
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 0.84% below avgNationally 2.80%
Details
Rate History
No change since Sep 9, 2026 · 1.61% APY · checked 8 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 4 Year
$1,000
1.17%
▼ 1.28% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.28% below avgNationally 2.80%
Details
Rate History
1 change since Sep 24, 2026 · 1.16% → 1.17% ▲ 0.01 pts · high 1.17% / low 1.16%
- Oct 7, 20261.17%▲ from 1.16%
- Sep 24, 20261.16%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
4 Year CD
$500
1.15%
▼ 1.30% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.30% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 48 Month
$1,000
1.12%
▼ 1.33% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 1.33% below avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 1.12% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
48 Month Certificate of Deposit
$0
0.03%
▼ 2.42% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.42% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
48 Month Certificate of Deposit
$0
0.02%
▼ 2.43% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.43% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
48 Month Certificate of Deposit
$0
0.01%
▼ 2.44% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▼ 2.44% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.90% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.90% above avgNationally 2.80%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
48 Month Certificate
$1,000
4.22%
▲ 1.77% above Illinois avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.77% above avgNationally 2.80%
Details
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
- Oct 11, 20264.22%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.75% above avgNationally 2.80%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
48 Month Certificate
$2,500
4.15%
▲ 1.70% above Illinois avg
▼
Rate4.07%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
Roth IRA - 48 Months
$1,000
4.15%
▲ 1.70% above Illinois avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year CD
$0
4.15%
▲ 1.70% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
48 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.59% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.59% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Sep 24, 20264.04%▲ from 3.02%
- Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Mo. CD
$0
4.00%
▲ 1.55% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 11, 20264.00%▲ from 3.70%
- Sep 24, 20263.70%▲ from 3.40%
- Sep 11, 20263.40%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month Certificates
$0
4.00%
▲ 1.55% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificates
$0
4.00%
▲ 1.55% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details
Balance: 48 months
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificates Roth, Traditional, Education
$0
4.00%
▲ 1.55% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details
Balance: 48 months
Rate History
No change since Oct 10, 2026 · 4.00% APY
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$0
3.98%
▲ 1.53% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.45%▲ 1.53% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 7, 20263.98%▲ from 3.77%
- Sep 19, 20263.77%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.52% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.52% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.52% above Illinois avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.52% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
48 Month Certificate
$500
3.87%
▲ 1.42% above Illinois avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.42% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
48 Month Certificate
$500
3.82%
▲ 1.37% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 1.36% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 1.36% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate 4 Year Certificate
$0
3.81%
▲ 1.36% above Illinois avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
48 Months CD
$500
3.80%
▲ 1.35% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.80%
Details
Rate History
1 change since Sep 11, 2026 · 3.15% → 3.80% ▲ 0.65 pts · high 3.80% / low 3.15%
- Sep 19, 20263.80%▲ from 3.15%
- Sep 11, 20263.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4 Year Share Certificate
$500
3.80%
▲ 1.35% above Illinois avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Springfield 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo Certificate Accounts - 60 MONTHS
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Oct 10, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo HSA Certificate Accounts - 60 MONTHS
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Oct 10, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
Jumbo IRA Certificate Accounts - 60 MONTHS
$0
3.65%
▲ 1.15% above Illinois avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
- Oct 10, 20263.65%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3030 Spring Mill Dr, Springfield, IL 62704
60 Month CD
$1,000
3.63%
▲ 1.13% above Illinois avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 1.13% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 7 times
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
60 Month Certificate
$0
3.60%
▲ 1.10% above Illinois avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 10, 20263.60%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
60 Month IRA Certificates
$0
3.60%
▲ 1.10% above Illinois avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details
Rate History
No change since Oct 10, 2026 · 3.60% APY
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2424 W Iles Ave, Springfield, IL 62704 4330
HSA Certificate Accounts - 60 MONTHS
$0
3.60%
▲ 1.10% above Illinois avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 10, 20263.60%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL 62704 4260
Certificate - 60 Month
$1,000
3.51%
▲ 1.01% above Illinois avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.01% above avgNationally 2.91%
Details
Certificate Rates; Effective Date: Tuesday, October 13th, 2026; Compounded Daily and Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Route 29 And Andrew Road, Springfield, IL 62707
60-Month Certificate of Deposit
$1,000
3.30%
▲ 0.80% above Illinois avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.80% above avgNationally 2.91%
Details
A penalty will or may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
5 Year Certificate of Deposit
$0
3.11%
▲ 0.61% above Illinois avg
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 0.61% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 2.14% → 3.11% ▲ 0.97 pts · high 3.11% / low 2.14%
- Oct 2, 20263.11%▲ from 2.14%
- Sep 18, 20262.14%first recorded
Morton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3050 Wabash Ave, Springfield, IL 62704
5 Year Certificate of Deposit
$0
3.05%
▲ 0.55% above Illinois avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 0.55% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 2.14% → 3.05% ▲ 0.91 pts · high 3.05% / low 2.14%
- Oct 2, 20263.05%▲ from 2.14%
- Sep 18, 20262.14%first recorded
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
60 Month Term and Share Certificates
$0
3.03%
▲ 0.53% above Illinois avg
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.53% above avgNationally 2.91%
Details
Share Certificates; Balance: $50,000.00 or Greater
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
60 Month Business Share Certificates Plus (CD)
$0
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
60 Month Share Certificate (CD)
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
60 Month Share Certificate Plus (CD)
$0
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
60 Month Traditional IRA Certificate
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends; IRA Certificate (Traditional, Roth or Educational)
Rate History
No change since Oct 10, 2026 · 2.75% APY
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
2464 Wabash Ave, Springfield, IL 62704
Business Share Certificates (CD) - 60 Months
$1,000
2.75%
▲ 0.25% above Illinois avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 0.25% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 270 Days' Dividends
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
300 S Grand Ave W, Springfield, IL 62704 3716
60 Month Term and Share Certificates
$0
2.58%
▲ 0.08% above Illinois avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 0.08% above avgNationally 2.91%
Details
Share Certificates; Balance: $1,000.00 to $49,999.99
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 3 times
WCB West Central Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.10%
3600 Wabash Ave, Springfield, IL 62711
60 Month CD
$0
2.52%
▲ 0.02% above Illinois avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 0.02% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 3 times
Heartland Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1925 S Macarthur Blvd, Springfield, IL 62704
60 Month Certificate
$5,000
2.00%
▼ 0.50% below Illinois avg
▼
Rate1.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.50% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (5 year)
$0
1.95%
▼ 0.55% below Illinois avg
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.55% below avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 1.95% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
CD (5 year)
$0
1.85%
▼ 0.65% below Illinois avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.65% below avgNationally 2.91%
Details
Balance: Under $100,000.00
Rate History
No change since Oct 7, 2026 · 1.85% APY · checked 2 times
INB National Association
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
322 E Capitol Ave, Springfield, IL 62701
TimelineIRA (5 Year)
$0
1.85%
▼ 0.65% below Illinois avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.65% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 1.85% APY · checked 2 times
First Bankers Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2201 Wabash Ave, Springfield, IL 62704
60 Month CD/IRA
$1,000
1.81%
▼ 0.69% below Illinois avg
▼
Rate1.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 0.69% below avgNationally 2.91%
Details
Rate History
No change since Sep 9, 2026 · 1.81% APY · checked 8 times
Bank of Springfield
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
3400 Wabash Ave, Springfield, IL 62711
CD 5 Year
$1,000
1.41%
▼ 1.09% below Illinois avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 1.09% below avgNationally 2.91%
Details
Rate History
1 change since Sep 24, 2026 · 1.40% → 1.41% ▲ 0.01 pts · high 1.41% / low 1.40%
- Oct 7, 20261.41%▲ from 1.40%
- Sep 24, 20261.40%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1100 Lejune Dr, Springfield, IL 62703
5 Year CD
$500
1.25%
▼ 1.25% below Illinois avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 1.25% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
60 Month Certificate of Deposit
$0
0.03%
▼ 2.47% below Illinois avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.47% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
60 Month Certificate of Deposit
$0
0.02%
▼ 2.48% below Illinois avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.48% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3019 Chatham Rd, Springfield, IL 62704
60 Month Certificate of Deposit
$0
0.01%
▼ 2.49% below Illinois avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▼ 2.49% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
60 Month Share Certificate
$0
4.75%
▲ 2.25% above Illinois avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 2.25% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.75% → 4.75% ▲ 2.00 pts · high 4.75% / low 2.75%
- Oct 10, 20264.75%▲ from 2.75%
- Sep 14, 20262.75%first recorded
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Minimum - Limited Time Specials! 60 Months
$0
4.75%
▲ 2.25% above Illinois avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 2.25% above avgNationally 2.91%
Details
$1,000; **
Rate History
No change since Oct 10, 2026 · 4.75% APY
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
5 Year Certificate
$1,000
4.40%
▲ 1.90% above Illinois avg
▼
Rate4.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 Month Interest
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.40% ▲ 1.11 pts · high 4.40% / low 3.29%
- Oct 7, 20264.40%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$0
4.40%
▲ 1.90% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.90% above avgNationally 2.91%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 25, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
60 Month Certificate
$1,000
4.27%
▲ 1.77% above Illinois avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.77% above avgNationally 2.91%
Details
Rate History
1 change since Oct 7, 2026 · 3.75% → 4.27% ▲ 0.52 pts · high 4.27% / low 3.75%
- Oct 11, 20264.27%▲ from 3.75%
- Oct 7, 20263.75%first recorded
Community Savings Bank Chicago, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
5 Year Special Certificate - Optional Renewal - 5th Year
$2,500
4.25%
▲ 1.75% above Illinois avg
▼
Rate4.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.91%
Details
Balance: $2,500.00 - $2,500.00
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA
$0
4.25%
▲ 1.75% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.75% above avgNationally 2.91%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 25, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month CD
$0
4.23%
▲ 1.73% above Illinois avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 1.73% above avgNationally 2.91%
Details
Monthly: 4.23%, Quarterly: 4.22%, Semi Annual: 4.19%
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.23% ▲ 0.78 pts · high 4.23% / low 3.45%
- Oct 8, 20264.23%▲ from 3.45%
- Sep 14, 20263.45%first recorded
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
60 Month Certificate
$2,500
4.20%
▲ 1.70% above Illinois avg
▼
Rate4.12%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
Roth IRA - 5 Year Variable
$1,000
4.20%
▲ 1.70% above Illinois avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.91%
Details
5 Year Variable*****
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
First Bank Chicago
Institution Rating:
A5.0 ★Texas Ratio: 11.27%
Roth IRA - 60 Months
$1,000
4.20%
▲ 1.70% above Illinois avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year CD
$0
4.20%
▲ 1.70% above Illinois avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 1.70% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month Certificates
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month HSA Certificates
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details
Balance: 60 months
Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 2 times
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month IRA Certificates Roth, Traditional, Education
$0
4.10%
▲ 1.60% above Illinois avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details
Balance: 60 months
Rate History
No change since Oct 10, 2026 · 4.10% APY
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
60 Month Certificate
$0
4.08%
▲ 1.58% above Illinois avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 1.58% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 3.87% → 4.08% ▲ 0.21 pts · high 4.08% / low 3.87%
- Oct 7, 20264.08%▲ from 3.87%
- Sep 19, 20263.87%first recorded
First State Bank (IL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
60 Month Certificates of Deposit (CDs)
$1,000
4.04%
▲ 1.54% above Illinois avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Illinois Average2.50%▲ 1.54% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.02% → 4.04% ▲ 1.02 pts · high 4.04% / low 3.02%
- Sep 24, 20264.04%▲ from 3.02%
- Sep 18, 20263.02%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Mo. CD
$0
4.00%
▲ 1.50% above Illinois avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.50% above avgNationally 2.91%
Details
Quarterly Compound
Rate History
2 changes since Sep 11, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 11, 20264.00%▲ from 3.80%
- Sep 24, 20263.80%▲ from 3.40%
- Sep 11, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 1.50% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.50% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 1.50% above Illinois avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.50% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 1.40% above Illinois avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Illinois Average2.50%▲ 1.40% above avgNationally 2.91%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Springfield, IL CD Rate Trends
Compare local Springfield, 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
2.521%
▲ 0.051 vs 7 days ago
Illinois 12-month CD rates rose 0.051 points over the past 7 days to 2.521% APY.
6-Month CD IL Avg
2.307%
▲ 0.030 vs 7 days ago
Illinois 6-month CD rates rose 0.030 points over the past 7 days to 2.307% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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IL CD Rate Forecast, Next 12 Months
Where are Illinois CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IL 12-Month Avg APY
2.521%
6-Month Forecast
2.521%
Range: 2.32%, 2.67%
12-Month Forecast
2.771%
Range: 2.57%, 2.92%
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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 | 1.569% | $78.46 | $156.92 | $392.30 | $784.60 |
| 6-Month CD | 2.307% | $115.33 | $230.65 | $576.63 | $1,153.25 |
| 12-Month CD | 2.521% | $126.07 | $252.13 | $630.32 | $1,260.65 |
| 18-Month CD | 2.444% | $122.22 | $244.44 | $611.10 | $1,222.20 |
| 24-Month CD | 2.453% | $122.63 | $245.26 | $613.15 | $1,226.30 |
| 36-Month CD | 2.374% | $118.69 | $237.38 | $593.45 | $1,186.90 |
| 48-Month CD | 2.451% | $122.56 | $245.12 | $612.80 | $1,225.60 |
| 60-Month CD | 2.500% | $124.98 | $249.96 | $624.90 | $1,249.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for Springfield, 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 | 1.569% | $78.46 |
| 2 | 6-Month CD | $5,000 | 2.307% | $115.33 |
| 3 | 12-Month CD | $5,000 | 2.521% | $126.07 |
| 4 | 24-Month CD | $5,000 | 2.453% | $122.63 |
| 5 | 36-Month CD | $5,000 | 2.374% | $118.69 |
| Total ($25,000 invested) | $25,000 | 2.245% blended | $561.18/yr | |
Ladder example uses equal $5,000 rungs and Illinois average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,077
CD Rates
Tracked in Springfield, Illinois
Tracked in Springfield, Illinois
80 Banks
57 Credit Unions
About Our Springfield, Illinois CD Rate Database
MonitorBankRates tracks 2,077 CD rates from 80 banks and 57 credit unions with locations in Springfield, Illinois, plus national online institutions available to Illinois residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Alliance Community Bank offers a CD at 4.18% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Springfield, Illinois.
How to Find the Best CD Rates in Springfield, Illinois
What to compare when shopping for a CD in Springfield, Illinois
To find the best APYs in Springfield, Illinois, start with credit unions and online-only banks: Springfield, Illinois has 57 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Springfield, 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 Springfield, Illinois: 137 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Springfield, 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 Springfield, Illinois money market rates
Springfield, Illinois Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
19.9%
National avg: 17.3%
Median Individual Earnings
$43,621
National avg: $47,340
Poverty Rate
16.8%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At IL 12-mo avg 2.521% APY
19.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s IL 12-month CD average of 2.521%, saving 10% of the local median salary ($4,362/year) and putting it in a CD would earn an additional $110 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 Springfield, Illinois
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Springfield, 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 Springfield, 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 Springfield, Illinois as everywhere in the U.S.
Choosing a CD Term in Springfield, 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 Springfield, Illinois savers easier access to their funds. For example, Cooperative Choice Network Credit Union is offering its Traditional Share Certificates - 6 Month Renewal at 3.76% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Citizens Equity First Credit Union is offering its Jumbo Certificate Accounts - 60 MONTHS at 3.65% 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Illinois
Most CDs carry a fixed rate that is locked for the entire term, protecting a Springfield, 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 Springfield, Illinois
Are CD rates in Springfield, Illinois FDIC insured?
Yes, most established banks in Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Illinois?
Here are recent top rates found for this area:
- Alliance Community Bank: 4.18% APY (12-Month Certificate of Deposit)
- Warren-Boynton State Bank: 3.99% APY (12 Month CD)
- Cooperative Choice Network Credit Union: 3.97% APY (Traditional Share Certificates - 36 Month Renewal)
- Heartland Credit Union Springfield, IL: 3.87% APY (12 Month Kid/Teen Club Add-On Certificate of Deposit)
- INB National Association: 3.71% APY (6-MO CD)
- Citizens Equity First Credit Union: 3.65% APY (Jumbo Certificate Accounts - 60 MONTHS)
- Funeral Service Credit Union: 3.56% APY (3 Year Share Certificate)
- Illinois Educators Credit Union: 3.51% APY (Certificate - 12 Month)
- Springfield City Employees Credit Union: 3.50% APY (12 Month Certificate of Deposit)
- Land Of Lincoln Credit Union: 3.43% APY (3 Month Term and Share Certificates)
Rates reflect recent verified offers available in Springfield, Illinois. Last Updated: October 13, 2026
Springfield, 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 Springfield, Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Springfield, Illinois
Springfield, Illinois CD Calculator
At today’s IL top rate of 4.18% APY, a $10,000 deposit earns $418 in the first year. Enter your amount to see your exact return.
Springfield, Illinois CD LadderIL CD rates currently range from 1.569% (3-month) to 2.374% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Springfield, Illinois CD at 4.18% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIllinois’s average 12-month CD is 2.521% 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 Springfield, 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 Springfield, 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 Springfield, Illinois. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
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