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CD Rate Trends

Vienna, Illinois Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Vienna, Illinois CD rates range from 0.50% to 5.02% APY, verified by MonitorBankRates as of October 14, 2026. Current Vienna, Illinois CD rates include SouthernTrust BankSouthernTrust Bank200 S 1st St, Vienna, IL 62995B4.6 ★Texas Ratio: 19.87%Real return: +0.23%APY minus CPI (February 2026) offering 18 Month Certificate at 3.03% APY, National Police Federal Credit UnionNational Police Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +2.22%APY minus CPI (February 2026) offering 36-Month IRA at 5.02% APY, FIRST EAGLEFIRST EAGLEA+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering Share Certificate Special - 1 Year Certificate at 5.00% APY, United Equity Credit UnionUnited Equity Credit UnionA+5.0 ★Texas Ratio: 0.71%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.75% APY, and First Savings Bank of HegewischFirst Savings Bank of HegewischA+5.0 ★Texas Ratio: 0.18%Real return: +1.82%APY minus CPI (February 2026) offering 18 Month Variable Rate Certificate at 4.62% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Vienna has 8 local institutions in our database, with CD rates as high as 3.03% APY from SouthernTrust Bank at 200 S 1st St, Vienna, IL 62995. 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 14, 2026

Compare Best CD Rates in Vienna, Illinois & the Surrounding Area

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

Vienna 3 Month CD Rates

Illinois 3 Month CD Average1.57% APYNational 2.09%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
3 Month Certificate
$1,000
0.50% ▼ 1.07% below Illinois avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▼ 1.07% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
3 Month Certificate
$1,000
4.48% ▲ 2.91% above Illinois avg
View
▼
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%
2.58%4.01%5.43%Sep 14, 2026: 3.53% APYOct 7, 2026: 4.48% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.22%3.90%4.58%Sep 16, 2026: 3.72% APYOct 8, 2026: 4.08% APYSep 16, 2026Oct 14, 2026
  • 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
View
▼
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
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 14, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 90 Days
$0
3.75% ▲ 2.18% above Illinois avg
View
▼
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
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 90 Days
$0
3.75% ▲ 2.18% above Illinois avg
View
▼
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
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 2.18% above Illinois avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average1.57%▲ 2.18% above avgNationally 2.09%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Certificate - 3 Month
$1,000
3.51% ▲ 1.94% above Illinois avg
View
▼
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
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
3 Month CD
$0
3.45% ▲ 1.88% above Illinois avg
View
▼
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%
2.90%3.43%3.95%Sep 14, 2026: 3.40% APYOct 8, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.45%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3-Month Certificate of Deposit
$1,000
3.45% ▲ 1.88% above Illinois avg
View
▼
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
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month CD
$500
3.45% ▲ 1.88% above Illinois avg
View
▼
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
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Term and Share Certificates
$0
3.43% ▲ 1.86% above Illinois avg
View
▼
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
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 14, 2026
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
View
▼
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%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
3 Month Certificate
$0
3.34% ▲ 1.77% above Illinois avg
View
▼
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
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.84%3.34%3.84%Oct 7, 2026: 3.34% APYOct 7, 2026Oct 14, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month Certificate
$500
3.30% ▲ 1.73% above Illinois avg
View
▼
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
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.25% ▲ 1.68% above Illinois avg
View
▼
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
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
3 MONTH CD
$500
3.25% ▲ 1.68% above Illinois avg
View
▼
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
2.75%3.25%3.75%Sep 29, 2026: 3.25% APYSep 29, 2026Oct 14, 2026
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
View
▼
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%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month IRA Certificate
$0
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo IRA Certificate
$0
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average1.57%▲ 1.53% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 30, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Jumbo Share Certificate
$0
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 5 times
2.60%3.10%3.60%Sep 30, 2026: 3.10% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3 Month Share Certificate
$0
3.10% ▲ 1.53% above Illinois avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 3 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 14, 2026
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Term and Share Certificates
$0
3.07% ▲ 1.50% above Illinois avg
View
▼
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
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
2.55%3.05%3.55%Sep 11, 2026: 3.05% APYSep 11, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
3.05% ▲ 1.48% above Illinois avg
View
▼
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
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.55%3.05%3.55%Oct 7, 2026: 3.05% APYOct 7, 2026Oct 14, 2026
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
View
▼
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
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 14, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3 Month Certificate
$0
3.00% ▲ 1.43% above Illinois avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Springfield City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90 Day Certificate of Deposit
$1,000
3.00% ▲ 1.43% above Illinois avg
View
▼
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
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3 Month Certificate of Deposit
$1,000
2.98% ▲ 1.41% above Illinois avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.98% APY · checked 5 times
2.48%2.98%3.48%Sep 20, 2026: 2.98% APYSep 20, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month CD / IRA
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 7, 2026: 2.95% APYOct 7, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3 Month Certificate (91 Days)
$0
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 7, 2026: 2.95% APYOct 7, 2026Oct 14, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Certificate Accounts - 3 Months
$100,000
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
  • 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%
Jumbo HSA Certificate Accounts - 3 Months
$100,000
2.95% ▲ 1.38% above Illinois avg
View
▼
Rate2.91%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average1.57%▲ 1.38% above avgNationally 2.09%
Details

Minimum to open $100,000; Dividend Rate 2.91%

Rate History
1 change since Sep 14, 2026 · 2.65% → 2.95% ▲ 0.30 pts · high 2.95% / low 2.65%
2.15%2.80%3.45%Sep 14, 2026: 2.65% APYOct 10, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
  • 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%
Certificate Accounts - 3 Months
$1,000
2.90% ▲ 1.33% above Illinois avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.10%2.75%3.40%Sep 14, 2026: 2.60% APYOct 10, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
  • 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%
HSA Certificate Accounts - 3 MONTHS
$1,000
2.90% ▲ 1.33% above Illinois avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.10%2.75%3.40%Sep 14, 2026: 2.60% APYOct 10, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.90%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$100,000
2.80% ▲ 1.23% above Illinois avg
View
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month IRA Certificate of Deposit
$0
2.78% ▲ 1.21% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average1.57%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Term Share Certificate
$0
2.78% ▲ 1.21% above Illinois avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average1.57%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
American Metro Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
2.75% ▲ 1.18% above Illinois avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Longview Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-month CD
$0
2.75% ▲ 1.18% above Illinois avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 1.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 14, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$1,000
2.52% ▲ 0.95% above Illinois avg
View
▼
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
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
1NB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$0
2.26% ▲ 0.69% above Illinois avg
View
▼
Rate2.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 0.69% above avgNationally 2.09%
Details

Rate History
No change since Oct 11, 2026 · 2.26% APY
1.76%2.26%2.76%Oct 11, 2026: 2.26% APYOct 11, 2026Oct 14, 2026
Fisher National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 Month Certificate
$0
2.02% ▲ 0.45% above Illinois avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 0.45% above avgNationally 2.09%
Details

Interest Paid at maturity; 3 Month Interest Penalty

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00% ▲ 0.43% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84% ▲ 0.27% above Illinois avg
View
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average1.57%▲ 0.27% above avgNationally 2.09%
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

Rate History
No change since Sep 19, 2026 · 1.84% APY · checked 7 times
1.34%1.84%2.34%Sep 19, 2026: 1.84% APYSep 19, 2026Oct 14, 2026
Bank of Farmington
Institution Rating:
A5.0 ★Texas Ratio: 12.35%
3 Month Certificate of Deposit
$1,000
1.61% ▲ 0.04% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average1.57%▲ 0.04% above avgNationally 2.09%
Details

(c)

Rate History
1 change since Sep 14, 2026 · 1.46% → 1.61% ▲ 0.15 pts · high 1.61% / low 1.46%
0.96%1.54%2.11%Sep 14, 2026: 1.46% APYOct 3, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20261.61%▲ from 1.46%
  • Sep 14, 20261.46%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.02% below Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average1.57%▼ 0.02% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026

Vienna 6 Month CD Rates

Illinois 6 Month CD Average2.31% APYNational 2.77%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
6 Month Certificate
$1,000
0.85% ▼ 1.46% below Illinois avg
View
▼
Rate0.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▼ 1.46% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 14, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40% ▲ 2.09% above Illinois avg
View
▼
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%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 14, 2026
  • 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
View
▼
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%
3.28%4.09%4.90%Sep 14, 2026: 3.82% APYOct 7, 2026: 4.36% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.36%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Rock Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificates (CDs) - Promotional - 6 Month
$0
4.25% ▲ 1.94% above Illinois avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.94% above avgNationally 2.77%
Details

Balance: $1,000 minimum tier; Nonrenewable; APY = Annual Percentage Yield; Penalties may be imposed for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
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
View
▼
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%
3.32%4.03%4.74%Sep 16, 2026: 3.82% APYOct 8, 2026: 4.24% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.24%▲ from 3.82%
  • Sep 16, 20263.82%first recorded
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Certificate
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.77%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate 6 Months
$0
4.11% ▲ 1.80% above Illinois avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.80% above avgNationally 2.77%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 9, 2026: 4.11% APYOct 9, 2026Oct 14, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Certificate
$0
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.77%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 21, 2026: 4.10% APYSep 21, 2026Oct 14, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month CD
$0
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10% ▲ 1.79% above Illinois avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.79% above avgNationally 2.77%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.71% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.71% above avgNationally 2.77%
Details

70th Anniversary Special; Minimum balance to open $500.00; Funds must be new money to the Credit Union

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Certificate
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.77%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate 6 Months
$0
4.01% ▲ 1.70% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.70% above avgNationally 2.77%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 9, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 14, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate Accounts - 6 Month
$0
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Month Share Certificate
$1,000
4.00% ▲ 1.69% above Illinois avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.69% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
Details

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
IRA Certificate 6 months
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
Details

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Rate History
No change since Oct 8, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA Jumbo
$0
3.95% ▲ 1.64% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.64% above avgNationally 2.77%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
6 Month Share Certificate
$0
3.92% ▲ 1.61% above Illinois avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.61% above avgNationally 2.77%
Details

Dividend Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 6 Months
$1,000
3.90% ▲ 1.59% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.59% above avgNationally 2.77%
Details

Featured rate, up to 3.90% APY; dividends compounded daily; penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
6 Month Certificate
$1,000
3.85% ▲ 1.54% above Illinois avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.54% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
Williamson County Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 6 month
$1,000
3.84% ▲ 1.53% above Illinois avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.53% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 6 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
Waterman Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
6 Month CD
$0
3.82% ▲ 1.51% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.51% above avgNationally 2.77%
Details

Balance: $0.01

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 14, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6-Month Certificate
$0
3.81% ▲ 1.50% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
Details

Special Certificate Account; up to APY; no monthly fee; federally insured by NCUA up to $250,000

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates - 6 months
$500
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 mos. Share Certificate
$10,000
3.81% ▲ 1.50% above Illinois avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.50% above avgNationally 2.77%
Details

Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6 Mo. CD
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.77%
Details

Quarterly Compound

Rate History
1 change since Sep 11, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 11, 2026: 3.50% APYOct 11, 2026: 3.80% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.80%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA
$0
3.80% ▲ 1.49% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.77%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 18, 2026: 3.55% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.80%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.77%
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 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
IRA 6 month CD
$500
3.80% ▲ 1.49% above Illinois avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.49% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Share Certificates
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.45% above avgNationally 2.77%
Details

Certificate yields assume dividends compounded monthly; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 6 Month Renewal
$0
3.76% ▲ 1.45% above Illinois avg
View
▼
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
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 14, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
6 Month Certificate
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
FTSB of Watseka, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
6 Month Certificate of Deposit
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6 Month Certificate Special
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Business 6 Month Special
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Investment Share and IRA Certificates - 6 Months
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

SPECIAL CD RATES: LIMITED TO FUNDS NOT ALREADY ON DEPOSIT

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Account - 180 Days
$0
3.75% ▲ 1.44% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Balance: $500 Minimum

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 14, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month Certificates of Deposit (CDs)
$500
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Compounding and Crediting Frequency: Maturity

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificates
$1,000
3.75% ▲ 1.44% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.44% above avgNationally 2.77%
Details

Minimum: $1,000

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Great Rivers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificates of Deposit (CDs)
$0
3.70% ▲ 1.39% above Illinois avg
View
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.39% above avgNationally 2.77%
Details

Balance: $1000 and over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.1 ★Texas Ratio: 38.34%
6 Month Certificate
$2,500
3.70% ▲ 1.39% above Illinois avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.39% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 14, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
6 Month Certificate of Deposit
$1,000
3.70% ▲ 1.39% above Illinois avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.39% above avgNationally 2.77%
Details

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 14, 2026
Bradford National Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6 Month CD
$0
3.66% ▲ 1.35% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.31%▲ 1.35% above avgNationally 2.77%
Details

Monthly: 3.66%, Quarterly: 3.65%, Semi Annual: 3.63%

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 8, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66% ▲ 1.35% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.31%▲ 1.35% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6 Month IRA Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6 Month Jumbo IRA Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 30, 2026: 3.60% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6 Month Jumbo Share Certificate
$0
3.60% ▲ 1.29% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.31%▲ 1.29% above avgNationally 2.77%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 30, 2026: 3.60% APYSep 30, 2026Oct 14, 2026

Vienna 12 Month CD Rates

Illinois 12 Month CD Average2.52% APYNational 2.99%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
12 Month Certificate
$1,000
1.26% ▼ 1.26% below Illinois avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▼ 1.26% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 8, 2026: 1.26% APYOct 8, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 2.48% above Illinois avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 2.48% above avgNationally 2.99%
Details

Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
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
View
▼
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%
3.56%4.34%5.12%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.60% APYSep 16, 2026Oct 14, 2026
  • 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%
12 Month IRA Certificates
$0
4.50% ▲ 1.98% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details

Effective Date: 10/1/2026; Minimum balance to earn is $1,000 for IRA; Dividend Rate/APY printed as 4.41/4.50%

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month Standard Certificates
$0
4.50% ▲ 1.98% above Illinois avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.98% above avgNationally 2.99%
Details

Effective Date: 10/1/2026; Dividend Rate/APY printed as 4.41/4.50%

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.50%▲ from 4.00%
  • Sep 18, 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
View
▼
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%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • 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 - 12 Month
$0
4.40% ▲ 1.88% above Illinois avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.88% above avgNationally 2.99%
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%
3.50%4.20%4.90%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.40% APYSep 22, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 12 Months
$500
4.39% ▲ 1.87% above Illinois avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.87% above avgNationally 2.99%
Details

Non-Compounding Certificates available

Rate History
1 change since Sep 16, 2026 · 3.92% → 4.39% ▲ 0.47 pts · high 4.39% / low 3.92%
3.42%4.15%4.89%Sep 16, 2026: 3.92% APYOct 8, 2026: 4.39% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 3.92%
  • Sep 16, 20263.92%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.83% above Illinois avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12 mos. Share Certificate
$10,000
4.33% ▲ 1.81% above Illinois avg
View
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.81% above avgNationally 2.99%
Details

Withdrawals made prior to maturity are subject to a loss of 120 days dividend

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30% ▲ 1.78% above Illinois avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.78% above avgNationally 2.99%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
10-month special, with rollover into 12-month at time of maturity
$0
4.25% ▲ 1.73% above Illinois avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.73% above avgNationally 2.99%
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 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12-Month Certificate of Deposit
$1,000
4.18% ▲ 1.66% above Illinois avg
View
▼
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
3.68%4.18%4.68%Sep 25, 2026: 4.18% APYSep 25, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Jumbo IRA Certificate
$0
4.15% ▲ 1.63% above Illinois avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.63% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Jumbo Share Certificate
$0
4.15% ▲ 1.63% above Illinois avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.63% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1 Year Certificate
$1,000
4.12% ▲ 1.60% above Illinois avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.60% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 Month Interest

Rate History
1 change since Sep 14, 2026 · 3.31% → 4.12% ▲ 0.81 pts · high 4.12% / low 3.31%
2.50%3.72%4.93%Sep 14, 2026: 3.31% APYOct 7, 2026: 4.12% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.12%▲ from 3.31%
  • Sep 14, 20263.31%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 1.58% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month IRA Certificate
$0
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12 Month Share Certificate
$0
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Share Certificate
$500
4.10% ▲ 1.58% above Illinois avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12 Month Certificate
$500
4.08% ▲ 1.56% above Illinois avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1 Year Share Certificate
$0
4.06% ▲ 1.54% above Illinois avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Certificate
$1,000
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
12 Month Certificate Special
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 14, 2026
United Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Business 12 Month Special
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 14, 2026: 3.70% APYSep 24, 2026: 3.85% APYOct 7, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.05%▲ from 3.85%
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05% ▲ 1.53% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.53% above avgNationally 2.99%
Details

Add-On; Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 18, 2026: 3.75% APYSep 25, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.05%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02% ▲ 1.50% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 1.50% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.50% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
12 Month Certificate
$1,000
4.01% ▲ 1.49% above Illinois avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.49% above avgNationally 2.99%
Details

Rate History
1 change since Oct 7, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Oct 7, 2026: 3.80% APYOct 11, 2026: 4.01% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.01%▲ from 3.80%
  • Oct 7, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
12 Mo. CD
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 11, 2026: 3.60% APYSep 24, 2026: 3.90% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20264.00%▲ from 3.90%
  • Sep 24, 20263.90%▲ from 3.60%
  • Sep 11, 20263.60%first recorded
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month CD / IRA
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
1 Year Certificate of Deposit
$20,000
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
1 Year Certificate of Deposit
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
First B&T Co. of Illinois
Institution Rating:
C3.8 ★Texas Ratio: 29.16%
1 Year IRA Certificate of Deposit
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 28, 2026: 4.00% APYSep 28, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
12 Month IRA Certificates
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

NCUA-insured; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 1 Year
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Dividends compound quarterly; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Certificate
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Balance: $500 - $20,000

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Year CD
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Kone Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12-Month Certificate
$0
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
12 Month Certificates of Deposit (CDs)
$500
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Compounding and Crediting Frequency: Maturity

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
IAA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 12 Months
$1,000
4.00% ▲ 1.48% above Illinois avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.52%▲ 1.48% above avgNationally 2.99%
Details

Featured rate, up to 4.00% APY; dividends compounded daily; penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month CD
$1,000
3.99% ▲ 1.47% above Illinois avg
View
▼
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
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 14, 2026
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
12 Month CD
$1,000
3.98% ▲ 1.46% above Illinois avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.46% above avgNationally 2.99%
Details

Daily Balances $100,000.00 - and up

Rate History
No change since Sep 24, 2026 · 3.98% APY · checked 4 times
3.48%3.98%4.48%Sep 24, 2026: 3.98% APYSep 24, 2026Oct 14, 2026
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12 Month Certificates of Deposit (CDs)
$1,000
3.96% ▲ 1.44% above Illinois avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.52%▲ 1.44% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month Certificate of Deposit
$1,000
3.91% ▲ 1.39% above Illinois avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.52%▲ 1.39% above avgNationally 2.99%
Details

Rate History
1 change since Sep 20, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
3.25%3.83%4.41%Sep 20, 2026: 3.75% APYOct 4, 2026: 3.91% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.91%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA
$0
3.90% ▲ 1.38% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.38% above avgNationally 2.99%
Details

Add-On; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 18, 2026: 3.60% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.90%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1 Year Certificate
$1,000
3.90% ▲ 1.38% above Illinois avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.52%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
12 Month CD
$0
3.90% ▲ 1.38% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.52%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026

Vienna 18 Month CD Rates

Illinois 18 Month CD Average2.44% APYNational 2.88%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
18 Month Certificate
$1,000
3.03% ▲ 0.59% above Illinois avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 8, 2026: 3.03% APYOct 8, 2026Oct 14, 2026
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
View
▼
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%
3.46%4.33%5.20%Sep 24, 2026: 4.04% APYOct 3, 2026: 4.62% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.62%▲ from 4.04%
  • Sep 24, 20264.04%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 18 Month
$0
4.40% ▲ 1.96% above Illinois avg
View
▼
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%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.50%4.20%4.90%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.40% APYSep 22, 2026Oct 14, 2026
  • 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
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.96% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
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
View
▼
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
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
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
View
▼
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%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.71% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.71% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
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
View
▼
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%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 14, 2026
  • 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
View
▼
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%
1.95%3.60%5.25%Sep 7, 2026: 3.05% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 14, 2026
  • 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
View
▼
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
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
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
View
▼
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%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.66% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.66% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
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
View
▼
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
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
18 Months IRA
$100
4.07% ▲ 1.63% above Illinois avg
View
▼
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
3.57%4.07%4.57%Oct 11, 2026: 4.07% APYOct 11, 2026Oct 14, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18-Month Certificate of Deposit
$1,000
4.07% ▲ 1.63% above Illinois avg
View
▼
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
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 14, 2026
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
View
▼
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%
3.20%3.88%4.56%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 14, 2026
  • 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
View
▼
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%
2.00%3.55%5.09%Sep 11, 2026: 3.03% APYOct 11, 2026: 4.06% APYSep 11, 2026Oct 14, 2026
  • 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
View
▼
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
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
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
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.59% above avgNationally 2.88%
Details

Featured rate, up to 4.03% APY; dividends compounded daily; penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.03% ▲ 0.13 pts · high 4.03% / low 3.90%
3.40%3.97%4.53%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.03% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 18 Month Renewal
$0
3.87% ▲ 1.43% above Illinois avg
View
▼
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
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.85% ▲ 1.41% above Illinois avg
View
▼
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
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Certificate
$500
3.82% ▲ 1.38% above Illinois avg
View
▼
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
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Variable IRA
$500
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.80% ▲ 0.41 pts · high 3.80% / low 3.39%
2.89%3.59%4.30%Sep 14, 2026: 3.39% APYOct 8, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.80%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
State Bank of Graymont
Institution Rating:
B+4.7 ★Texas Ratio: 19.08%
18 Month CD
$1,000
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.80% ▲ 0.45 pts · high 3.80% / low 3.35%
2.85%3.58%4.30%Sep 14, 2026: 3.35% APYSep 20, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.80%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Regular APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rewards APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 27, 2026: 3.65% APYOct 14, 2026: 3.80% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
TSB Teutopolis State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.79% ▲ 1.35% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.35% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.79% APY · checked 2 times
3.29%3.79%4.29%Oct 8, 2026: 3.79% APYOct 8, 2026Oct 14, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month Certificates of Deposit (CDs)
$500
3.75% ▲ 1.31% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.31% above avgNationally 2.88%
Details

Compounding and Crediting Frequency: Semi-annually

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 1.26% above Illinois avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.26% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
18 MONTH CD
$500
3.70% ▲ 1.26% above Illinois avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 18 Month
$0
3.66% ▲ 1.22% above Illinois avg
View
▼
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
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18 Month Jumbo IRA Certificate
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18 Month Jumbo Share Certificate
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Business Certificate of Deposit
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Certificate
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Fixed CD Special
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
18 Month Variable CD
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Business Certificates of Deposit - 18 Months
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Simplified Employee Pension (SEP IRA) - 18 Month Fixed
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Simplified Employee Pension (SEP IRA) - 18 Month Variable
$0
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
18 Month Certificate
$1,000
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.22% → 3.65% ▲ 0.43 pts · high 3.65% / low 3.22%
2.72%3.44%4.15%Sep 14, 2026: 3.22% APYOct 3, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.65%▲ from 3.22%
  • Sep 14, 20263.22%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
18 Month IRA
$1,000
3.65% ▲ 1.21% above Illinois avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.44%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.22% → 3.65% ▲ 0.43 pts · high 3.65% / low 3.22%
2.72%3.44%4.15%Sep 24, 2026: 3.22% APYOct 3, 2026: 3.65% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.65%▲ from 3.22%
  • Sep 24, 20263.22%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18 Month IRA Certificate
$0
3.60% ▲ 1.16% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18 Month Share Certificate
$0
3.60% ▲ 1.16% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Bank of Stronghurst
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
18 MONTH CD
$500
3.60% ▲ 1.16% above Illinois avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.44%▲ 1.16% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.60% ▲ 0.36 pts · high 3.60% / low 3.24%
2.74%3.42%4.10%Sep 14, 2026: 3.24% APYOct 3, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.60%▲ from 3.24%
  • Sep 14, 20263.24%first recorded

Vienna 24 Month CD Rates

Illinois 24 Month CD Average2.45% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
24 Month Certificate
$1,000
1.51% ▼ 0.94% below Illinois avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.94% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
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
View
▼
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%
3.84%4.57%5.31%Sep 16, 2026: 4.34% APYOct 8, 2026: 4.81% APYSep 16, 2026Oct 14, 2026
  • Oct 8, 20264.81%▲ from 4.34%
  • Sep 16, 20264.34%first recorded
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates - 24 Months
$500
4.55% ▲ 2.10% above Illinois avg
View
▼
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%
3.58%4.31%5.05%Sep 16, 2026: 4.08% APYOct 8, 2026: 4.55% APYSep 16, 2026Oct 14, 2026
  • 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
View
▼
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%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
2.09%3.84%5.60%Sep 14, 2026: 3.26% APYOct 7, 2026: 4.43% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
2.80%4.00%5.20%Sep 14, 2026: 3.60% APYSep 21, 2026: 3.70% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 3.70%
  • Sep 21, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
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
View
▼
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%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 24 Month
$0
4.30% ▲ 1.85% above Illinois avg
View
▼
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%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.40%4.10%4.80%Sep 22, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 22, 2026Oct 14, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Year Share Certificate jumbo
$100,000
4.25% ▲ 1.80% above Illinois avg
View
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25% ▲ 1.80% above Illinois avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.80% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Year Share Certificate
$500
4.20% ▲ 1.75% above Illinois avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.75% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYSep 21, 2026: 3.85% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 18, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate HSA Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Variable Rate IRA Certificate
$0
4.17% ▲ 1.72% above Illinois avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.72% above avgNationally 2.88%
Details

Variable rate: 13-week U.S. Treasury Bill index + 0.15%; Rates effective February 1, 2026

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87%
3.37%4.02%4.67%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.17% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.17%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
The FNB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Certificates of Deposit (CDs)
$1,000
4.16% ▲ 1.71% above Illinois avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.71% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 6 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 14, 2026
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
24 Month CD (2 year)
$1,000
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 7, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 7, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 7, 20260.25%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
24 Month IRA (2 year)
$1,000
4.15% ▲ 1.70% above Illinois avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 0.25% → 4.15% ▲ 3.90 pts · high 4.15% / low 0.25%
0.00%4.03%8.05%Sep 19, 2026: 0.25% APYOct 7, 2026: 4.15% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 0.25%
  • Sep 19, 20260.25%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.70% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.70% above avgNationally 2.88%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24-Month Certificate of Deposit
$1,000
4.07% ▲ 1.62% above Illinois avg
View
▼
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
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 14, 2026
First FSB of Mascoutah
Institution Rating:
B+4.8 ★Texas Ratio: 17.14%
24 Month Certificate
$1,000
4.06% ▲ 1.61% above Illinois avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.61% above avgNationally 2.88%
Details

Rate History
1 change since Oct 7, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Oct 7, 2026: 3.65% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.06%▲ from 3.65%
  • Oct 7, 20263.65%first recorded
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2 Year CD
$0
4.05% ▲ 1.60% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.57% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.57% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.57% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
24 Mo. CD
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.60% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20264.00%▲ from 3.60%
  • Sep 24, 20263.60%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
24 Month CD
$500
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% 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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
IRA 24 month CD
$500
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2 Year Certificates
$25,000
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.88%
Details

Balance: $25,000+; Compounded monthly; paid monthly; Penalties apply for early withdrawal; Rates outline are a limited-time promotion

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 14, 2026
FNB of Waterloo
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month Certificate of Deposit
$1,000
3.96% ▲ 1.51% above Illinois avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
3.35%3.91%4.46%Sep 20, 2026: 3.85% APYOct 4, 2026: 3.96% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20263.96%▲ from 3.85%
  • Sep 20, 20263.85%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 24 Month Renewal
$0
3.92% ▲ 1.47% above Illinois avg
View
▼
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
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 14, 2026
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24-Month CD
$2,000
3.86% ▲ 1.41% above Illinois avg
View
▼
Rate3.82%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.86% APY · checked 5 times
3.36%3.86%4.36%Sep 19, 2026: 3.86% APYSep 19, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86% ▲ 1.41% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.41% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
24 Month Certificate
$500
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
24 Month Certificate
$500
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82% ▲ 1.37% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Spring Valley City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
24 Month CD/IRA
$1,000
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Compounding: Daily

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56%
3.06%3.69%4.31%Sep 14, 2026: 3.56% APYSep 24, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.81%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 Year Certificate
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
Healthcare Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2 Year Certificates
$500
3.80% ▲ 1.35% above Illinois avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.35% above avgNationally 2.88%
Details

Balance: $500 - $24,999; Compounded monthly; paid monthly; Penalties apply for early withdrawal; Rates outline are a limited-time promotion

Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 30, 2026: 3.80% APYSep 30, 2026Oct 14, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate
$5,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Daily compounding. IRA funds permitted. No business funds permitted

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
2 Year Certificate
$1,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 14, 2026
Peoria Hiway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
24 Month Share Certificate of Deposit
$0
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Term: 24-month Jumbo ($>50,000)

Rate History
3 changes since Sep 14, 2026 · 3.44% → 3.75% ▲ 0.31 pts · high 4.06% / low 3.44%
2.82%3.75%4.68%Sep 14, 2026: 3.44% APYSep 22, 2026: 3.75% APYOct 5, 2026: 4.06% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.75%▼ from 4.06%
  • Oct 5, 20264.06%▲ from 3.75%
  • Sep 22, 20263.75%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month Certificate
$0
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month HSA Certificate
$0
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
24 Month IRA Certificate
$0
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.88%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 24 Month
$0
3.71% ▲ 1.26% above Illinois avg
View
▼
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
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 1.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24 Month Jumbo Share Certificate
$0
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026

Vienna 36 Month CD Rates

Illinois 36 Month CD Average2.37% APYNational 2.81%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
36 Month Certificate
$1,000
1.51% ▼ 0.86% below Illinois avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▼ 0.86% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
4.52%5.02%5.52%Oct 12, 2026: 5.02% APYOct 12, 2026Oct 14, 2026
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
View
▼
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%
3.55%4.42%5.29%Sep 16, 2026: 4.13% APYOct 8, 2026: 4.71% APYSep 16, 2026Oct 14, 2026
  • 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
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 2.08% above avgNationally 2.81%
Details

Nominal Rate 4.36%; footnote ** referenced in source

Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 10, 2026: 4.45% APYOct 10, 2026Oct 14, 2026
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
View
▼
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%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
2.09%3.77%5.45%Sep 14, 2026: 3.21% APYOct 7, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.83%4.33%4.83%Oct 11, 2026: 4.33% APYOct 11, 2026Oct 14, 2026
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
View
▼
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%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Investment Certificates - 36 Month
$0
4.20% ▲ 1.83% above Illinois avg
View
▼
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%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 13, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.30%4.00%4.70%Sep 22, 2026: 3.80% APYOct 9, 2026: 4.20% APYSep 22, 2026Oct 14, 2026
  • 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
View
▼
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%
3.20%3.93%4.66%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.16% APYOct 7, 2026Oct 14, 2026
  • 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
$0
4.15% ▲ 1.78% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.73% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.73% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year CD
$0
4.10% ▲ 1.73% above Illinois avg
View
▼
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
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36-Month Certificate of Deposit
$1,000
4.07% ▲ 1.70% above Illinois avg
View
▼
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
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.65% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.65% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ 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 - 36 Month
$0
4.02% ▲ 1.65% above Illinois avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.65% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Mo. CD
$0
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

Quarterly Compound

Rate History
2 changes since Sep 11, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30%
2.60%3.65%4.70%Sep 11, 2026: 3.30% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20264.00%▲ from 3.70%
  • Sep 24, 20263.70%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
36 Month CD
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
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 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
IRA 36 month CD
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.63% above Illinois avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.63% above avgNationally 2.81%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 36 Month Renewal
$0
3.97% ▲ 1.60% above Illinois avg
View
▼
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
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month Certificate
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month HSA Certificate
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
36 Month IRA Certificate
$0
3.90% ▲ 1.53% above Illinois avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.53% above avgNationally 2.81%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86% ▲ 1.49% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86% ▲ 1.49% above Illinois avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.49% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
36 Month Certificate
$500
3.82% ▲ 1.45% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
36 Month Certificate
$500
3.82% ▲ 1.45% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 3 Year Certificate
$0
3.81% ▲ 1.44% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.44% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Year Share Certificate
$500
3.80% ▲ 1.43% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.37%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Traditional Share Certificates - 36 Month
$0
3.76% ▲ 1.39% above Illinois avg
View
▼
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
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Jumbo Share Certificate
$0
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
3 Years IRA
$500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.70% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
36 Months CD
$500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.70% ▲ 0.65 pts · high 3.70% / low 3.05%
2.40%3.38%4.35%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.70% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.70%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
36 Month Bump
$2,500
3.70% ▲ 1.33% above Illinois avg
View
▼
Rate3.65%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.19% → 3.70% ▲ 0.51 pts · high 3.70% / low 3.19%
2.68%3.45%4.21%Sep 14, 2026: 3.19% APYOct 7, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.70%▲ from 3.19%
  • Sep 14, 20263.19%first recorded
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
36 Month Certificate
$0
3.64% ▲ 1.27% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.27% above avgNationally 2.81%
Details

At Maturity

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 7 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 14, 2026
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
IRA Certificate 36 Month
$0
3.64% ▲ 1.27% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.27% above avgNationally 2.81%
Details

Dividends: At Maturity

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 6 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month IRA Certificate
$0
3.60% ▲ 1.23% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36 Month Share Certificate
$0
3.60% ▲ 1.23% above Illinois avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.23% above avgNationally 2.81%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Funeral Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3 Year Share Certificate
$0
3.56% ▲ 1.19% above Illinois avg
View
▼
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
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 14, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month Certificate
$0
3.55% ▲ 1.18% above Illinois avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
3 Year Share Certificate
$100,000
3.55% ▲ 1.18% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 Month Certificates of Deposit (CDs)
$500
3.55% ▲ 1.18% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.18% above avgNationally 2.81%
Details

Compounding and Crediting Frequency: Annually

Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 14, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month CD
$1,000
3.53% ▲ 1.16% above Illinois avg
View
▼
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
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Certificate - 36 Month
$1,000
3.51% ▲ 1.14% above Illinois avg
View
▼
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
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month CD / IRA
$0
3.50% ▲ 1.13% above Illinois avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.37%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
3 Year Share Certificate
$50,000
3.50% ▲ 1.13% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.37%▲ 1.13% above avgNationally 2.81%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
36 Month Jumbo CD
$50,000
3.50% ▲ 1.13% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.37%▲ 1.13% above avgNationally 2.81%
Details

Rates effective 9/1/2026; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026

Vienna 48 Month CD Rates

Illinois 48 Month CD Average2.45% APYNational 2.80%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
48 Month Certificate
$1,000
1.56% ▼ 0.89% below Illinois avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▼ 0.89% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
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
View
▼
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%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
3.18%3.96%4.74%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.22% APYOct 7, 2026Oct 14, 2026
  • 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
View
▼
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%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year CD
$0
4.15% ▲ 1.70% above Illinois avg
View
▼
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
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Mo. CD
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
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%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.70% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 14, 2026
  • 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 Certificate
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month HSA Certificate
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
48 Month IRA Certificate
$0
4.00% ▲ 1.55% above Illinois avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.55% above avgNationally 2.80%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
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
View
▼
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%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
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
View
▼
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
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81% ▲ 1.36% above Illinois avg
View
▼
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%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
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
View
▼
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%
2.50%3.47%4.45%Sep 11, 2026: 3.15% APYSep 19, 2026: 3.80% APYSep 11, 2026Oct 14, 2026
  • 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
View
▼
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
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
48 Month Certificate
$1,000
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24%
2.73%3.50%4.26%Sep 24, 2026: 3.24% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.24%
  • Sep 24, 20263.24%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75% ▲ 1.30% above Illinois avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.30% above avgNationally 2.80%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Jumbo Share Certificate
$0
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
48 Month CD
$500
3.70% ▲ 1.25% above Illinois avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.25% above avgNationally 2.80%
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 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month IRA Certificate
$0
3.65% ▲ 1.20% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48 Month Share Certificate
$0
3.65% ▲ 1.20% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.20% above avgNationally 2.80%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 14, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$20,000
3.61% ▲ 1.16% above Illinois avg
View
▼
Rate3.56%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.16% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 0.65% → 3.61% ▲ 2.96 pts · high 3.61% / low 0.65%
0.00%3.29%6.57%Sep 14, 2026: 0.65% APYOct 8, 2026: 3.61% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.61%▲ from 0.65%
  • Sep 14, 20260.65%first recorded
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 Month Business Certificate of Deposit
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
48 Month Certificate
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Business Certificates of Deposit - 48 Months
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
48 Month CD / IRA
$0
3.60% ▲ 1.15% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$100,000
3.60% ▲ 1.15% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.15% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
48 Month CD
$1,000
3.58% ▲ 1.13% above Illinois avg
View
▼
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
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 14, 2026
Raritan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
48 Month CD
$5,000
3.56% ▲ 1.11% above Illinois avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.11% above avgNationally 2.80%
Details

Daily Balances $5,000.00 - and up

Rate History
No change since Sep 24, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 24, 2026: 3.56% APYSep 24, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4 Year Share Certificate
$50,000
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
48 Month Certificates of Deposit (CDs)
$500
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Compounding and Crediting Frequency: Annually

Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 14, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
48 Month Jumbo CD
$50,000
3.55% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Rates effective 9/1/2026; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Certificate Accounts - 48 Months
$100,000
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • 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%
Jumbo HSA Certificate Accounts - 48 Months
$100,000
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.45%▲ 1.10% above avgNationally 2.80%
Details

Minimum to open $100,000

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • 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%
Jumbo IRA Certificate Accounts - 48 Months
$100,000
3.55% ▲ 1.10% above Illinois avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • 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%
Certificate - 48 Month
$1,000
3.51% ▲ 1.06% above Illinois avg
View
▼
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
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
Peru Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month Certificate
$0
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4 Year Certificate
$1,000
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.45%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 14, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Certificate Accounts - 48 Months
$1,000
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • 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%
HSA Certificate Accounts - 48 MONTHS
$1,000
3.50% ▲ 1.05% above Illinois avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
1NB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
48 Month CD
$0
3.49% ▲ 1.04% above Illinois avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 1.04% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 2.98% → 3.49% ▲ 0.51 pts · high 3.49% / low 2.98%
2.47%3.24%4.00%Sep 11, 2026: 2.98% APYOct 11, 2026: 3.49% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.49%▲ from 2.98%
  • Sep 11, 20262.98%first recorded
Clay County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
48 MONTH CD
$500
3.45% ▲ 1.00% above Illinois avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 1.00% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Citizens Community Bank Mascoutah, IL
Institution Rating:
D3.1 ★Texas Ratio: 38.34%
48 Month Certificate
$500
3.44% ▲ 0.99% above Illinois avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 24, 2026: 3.44% APYSep 24, 2026Oct 14, 2026
Vermont State Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
48 month CD
$0
3.43% ▲ 0.98% above Illinois avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.98% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Oct 8, 2026 · 3.43% APY · checked 2 times
2.93%3.43%3.93%Oct 8, 2026: 3.43% APYOct 8, 2026Oct 14, 2026
Community National Bank in Monmouth
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
4 Year Certificate of Deposit
$5,000
3.41% ▲ 0.96% above Illinois avg
View
▼
Rate3.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.45%▲ 0.96% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 0.56% → 3.41% ▲ 2.85 pts · high 3.41% / low 0.56%
0.00%3.13%6.26%Sep 14, 2026: 0.56% APYOct 8, 2026: 3.41% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.41%▲ from 0.56%
  • Sep 14, 20260.56%first recorded
First Community Bank of Hillsboro
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
48 Month CD (4 year)
$1,000
3.40% ▲ 0.95% above Illinois avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.45%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 0.50% → 3.40% ▲ 2.90 pts · high 3.40% / low 0.50%
0.00%3.15%6.30%Sep 7, 2026: 0.50% APYOct 7, 2026: 3.40% APYSep 7, 2026Oct 14, 2026
  • Oct 7, 20263.40%▲ from 0.50%
  • Sep 7, 20260.50%first recorded

Vienna 60 Month CD Rates

Illinois 60 Month CD Average2.50% APYNational 2.91%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthernTrust Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.87%
200 S 1st St, Vienna, IL 62995
60 Month Certificate
$1,000
1.56% ▼ 0.94% below Illinois avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▼ 0.94% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
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
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 2.25% above avgNationally 2.91%
Details

Nominal Rate 4.65%; footnote ** referenced in source

Rate History
No change since Oct 10, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 10, 2026: 4.75% APYOct 10, 2026Oct 14, 2026
De Witt Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
5 Year Certificate
$1,000
4.40% ▲ 1.90% above Illinois avg
View
▼
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%
2.18%3.85%5.51%Sep 14, 2026: 3.29% APYOct 7, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • 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
View
▼
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%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
3.23%4.01%4.79%Oct 7, 2026: 3.75% APYOct 11, 2026: 4.27% APYOct 7, 2026Oct 14, 2026
  • 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
View
▼
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
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
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
View
▼
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%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • 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
View
▼
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%
2.67%3.84%5.01%Sep 14, 2026: 3.45% APYOct 8, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.23%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year CD
$0
4.20% ▲ 1.70% above Illinois avg
View
▼
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
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month Certificate
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month HSA Certificate
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
60 Month IRA Certificate
$0
4.10% ▲ 1.60% above Illinois avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.60% above avgNationally 2.91%
Details

Rates effective February 1, 2026

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Security Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Mo. CD
$0
4.00% ▲ 1.50% above Illinois avg
View
▼
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%
2.80%3.70%4.60%Sep 11, 2026: 3.40% APYSep 24, 2026: 3.80% APYOct 11, 2026: 4.00% APYSep 11, 2026Oct 14, 2026
  • 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
View
▼
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
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
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
View
▼
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
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.40% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.40% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
First National Bank in Olney
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
60 Month Certificate
$500
3.87% ▲ 1.37% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 1.37% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 1.35% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
First Community Bank, Xenia-Flora
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
60 Months CD
$500
3.85% ▲ 1.35% above Illinois avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.35% above avgNationally 2.91%
Details

Rate History
1 change since Sep 11, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 11, 2026: 3.30% APYSep 19, 2026: 3.85% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.85%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84% ▲ 1.34% above Illinois avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.34% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84% ▲ 1.34% above Illinois avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.34% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
First State Bank of Beecher City
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
60 Month Certificate
$500
3.82% ▲ 1.32% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Illinois Average2.50%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 5 Year Certificate
$0
3.81% ▲ 1.31% above Illinois avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.31% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
5 Year Share Certificate
$500
3.80% ▲ 1.30% above Illinois avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 1.30% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
F&M Bank of Nashville
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month IRA
$25
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.69%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Farmers National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
60 Month CD / IRA
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
60 Month Certificate
$1,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29%
2.79%3.52%4.25%Sep 14, 2026: 3.29% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Washington Savings Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
60 Month IRA
$1,000
3.75% ▲ 1.25% above Illinois avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29%
2.79%3.52%4.25%Sep 24, 2026: 3.29% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.29%
  • Sep 24, 20263.29%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Jumbo Share Certificates
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Balance: $50,000 and over

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
60 Month Traditional & Roth IRA Share Certificates
$0
3.75% ▲ 1.25% above Illinois avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.25% above avgNationally 2.91%
Details

Balance: $50,000+

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Jumbo IRA Certificate
$0
3.70% ▲ 1.20% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Jumbo Share Certificate
$0
3.70% ▲ 1.20% above Illinois avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.20% above avgNationally 2.91%
Details

Balance: $75,000+

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Certificate
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.91%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate 60 Months
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.91%
Details

Balance: $50,000 + (Traditional)

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 14, 2026
SIU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Term Share Certificate 60 Months
$0
3.66% ▲ 1.16% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Illinois Average2.50%▲ 1.16% above avgNationally 2.91%
Details

Balance: $50,000 +

Rate History
No change since Oct 9, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 9, 2026: 3.66% APYOct 9, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Five Year Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month IRA Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details

Balance: $1,000$74,999; Alliant offers 3 types of IRA Certificates: Traditional, Roth, and SEP

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 14, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60 Month Share Certificate
$0
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details

Balance: $1,000$74,999

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
5 Year Share Certificate
$100,000
3.65% ▲ 1.15% above Illinois avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Certificate Accounts - 60 Months
$100,000
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • 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%
Jumbo HSA Certificate Accounts - 60 Months
$100,000
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.15% above avgNationally 2.91%
Details

Minimum to open $100,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • 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%
Jumbo IRA Certificate Accounts - 60 Months
$100,000
3.65% ▲ 1.15% above Illinois avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.80%3.48%4.15%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.65%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
IRA 60 Month Certificate
$0
3.63% ▲ 1.13% above Illinois avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.13% above avgNationally 2.91%
Details

$500 Minimum Balance to obtain APY*

Rate History
No change since Sep 29, 2026 · 3.63% APY · checked 6 times
3.13%3.63%4.13%Sep 29, 2026: 3.63% APYSep 29, 2026Oct 14, 2026
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month CD
$1,000
3.63% ▲ 1.13% above Illinois avg
View
▼
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
3.13%3.63%4.13%Sep 14, 2026: 3.63% APYSep 14, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
60 Month Business Certificate of Deposit
$0
3.60% ▲ 1.10% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
60 Month Certificate
$0
3.60% ▲ 1.10% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
The Clay City Banking Co.
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
Business Certificates of Deposit - 60 Months
$0
3.60% ▲ 1.10% above Illinois avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Scott Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
5 Year Share Certificate
$50,000
3.60% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details

Dividends compounded: Quarterly; Balance method: Daily; Dividends paid: Quarterly

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
60 Month Jumbo CD
$50,000
3.60% ▲ 1.10% above Illinois avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Illinois Average2.50%▲ 1.10% above avgNationally 2.91%
Details

Rates effective 9/1/2026; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Citizens Equity First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Certificate Accounts - 60 Months
$1,000
3.60% ▲ 1.10% above Illinois avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 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%
2.75%3.43%4.10%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Vienna, Illinois Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
SouthernTrust Bank
18 Month Certificate
B 4.6 ★ TX: 19.87%
Min: $1,000
3.03%
First Savings Bank of Hegewisch
18 Month Variable Rate Certificate
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.62%
Fidelity Bank Savanna, IL
20-month special, with rollover into 24-month at time of maturity
A 5.0 ★ TX: 7.99%
Min: $0
4.50%
De Witt Savings Bank
3 Month Certificate
A 5.0 ★ TX: 6.29%
Min: $1,000
4.48%
United Fidelity Bank
6-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
National Police Federal Credit Union
36-Month IRA
A+ 5.0 ★ TX: 4.12%
Min: $0
5.02%
FIRST EAGLE
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
United Equity Credit Union
60 Month Share Certificate
A+ 5.0 ★ TX: 0.71%
Min: $0
4.75%
GenFed Financial Credit Union
12 Month IRA Certificates
A+ 5.0 ★ TX: 4.88%
Min: $0
4.50%
Michigan State University Federal Credit Union
5-Year Certificate or IRA-HSA Jumbo
A 5.0 ★ TX: 9.64%
Min: $0
4.40%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Vienna, IL CD Rate Trends

Compare local Vienna, IL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Illinois CD Trends
12-Month CD IL Avg
2.521%
▲ 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

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%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Illinois average 12-month CD APY in our database.

Spread model: The Illinois 12-month CD average currently trades 1.85% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 14, 2026.
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Sample CD Ladder for Vienna, Illinois Savers

$25,000 split equally across 5 terms using today’s Illinois average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit IL Avg APY Annual Earnings
1 3-Month CD $5,000 1.569% $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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2,085
CD Rates
Tracked in Vienna, Illinois
61 Banks 66 Credit Unions

About Our Vienna, Illinois CD Rate Database

MonitorBankRates tracks 2,085 CD rates from 61 banks and 66 credit unions with locations in Vienna, 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: SouthernTrust Bank offers a CD at 3.03% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Vienna, Illinois.

How to Find the Best CD Rates in Vienna, Illinois

What to compare when shopping for a CD in Vienna, Illinois

To find the best APYs in Vienna, Illinois, start with credit unions and online-only banks: Vienna, Illinois has 66 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 Vienna, 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 Vienna, Illinois: 127 institutions here report CD rates

Consider an Alternative If…

Vienna, Illinois Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
20.0%
National avg: 17.3%
Median Individual Earnings
$38,675
National avg: $47,340
Poverty Rate
33.6%
National avg: 11.1%
Unemployment Rate
1.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$98/yr
At IL 12-mo avg 2.521% APY

20.0% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.2% reflects a strong local economy. At today’s IL 12-month CD average of 2.521%, saving 10% of the local median salary ($3,867/year) and putting it in a CD would earn an additional $98 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Illinois as everywhere in the U.S.

Choosing a CD Term in Vienna, 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 Vienna, Illinois savers easier access to their funds. For example, SouthernTrust Bank is offering its 6 Month Certificate at 0.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SouthernTrust Bank is offering its 60 Month Certificate at 1.56% 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Illinois

Most CDs carry a fixed rate that is locked for the entire term, protecting a Vienna, 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 Vienna, Illinois

Are CD rates in Vienna, Illinois FDIC insured?

Yes, most established banks in Vienna, 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Illinois?

Here are recent top rates found for this area:
  • SouthernTrust Bank: 3.03% APY (18 Month Certificate)
  • National Police Federal Credit Union: 5.02% APY (36-Month IRA)
  • FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • United Equity Credit Union: 4.75% APY (60 Month Share Certificate)
  • First Savings Bank of Hegewisch: 4.62% APY (18 Month Variable Rate Certificate)
  • Fidelity Bank Savanna, IL: 4.50% APY (20-month special, with rollover into 24-month at time of maturity)
  • GenFed Financial Credit Union: 4.50% APY (12 Month IRA Certificates)
  • De Witt Savings Bank: 4.48% APY (3 Month Certificate)
  • United Fidelity Bank: 4.40% APY (6-Month CD)
  • Michigan State University Federal Credit Union: 4.40% APY (5-Year Certificate or IRA-HSA Jumbo)
Rates reflect recent verified offers available in Vienna, Illinois. Last Updated: October 14, 2026

Vienna, 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 Vienna, Illinois rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Vienna, Illinois CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Vienna, Illinois. Averages shown use the Illinois state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Vienna, Illinois

Vienna, Illinois CD Calculator

At today’s IL top rate of 3.03% APY, a $10,000 deposit earns $303 in the first year. Enter your amount to see your exact return.

Vienna, Illinois CD Ladder

IL 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 Penalty

Before locking into a Vienna, Illinois CD at 3.03% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Illinois’s average 12-month CD is 2.521% 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 Vienna, 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 Vienna, 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 Vienna, 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 14, 2026

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