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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Evanston
Below are two-year Certificates of Deposit (CD) rates from banks in Evanston, Illinois. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.
Evanston, IL - August 1, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
5.25% |
$5,000 |
15.49 |
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4.15% |
$10,000 |
- |
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Early Withdrawal Penalty is 270 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.00% |
$2,500 |
- |
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Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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4.00% |
$25,000 |
- |
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|
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Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.87% |
$2,500 |
12.55 |
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|
|
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Rate History: 4.59% → 4.49% → 4.10% → 4.49% → 3.87% |
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3.50% |
$5,000 |
- |
Learn More
|
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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3.50% |
$500 |
- |
Learn More
|
|
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Rate History: 3.50% → 3.50% → 3.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.45% |
$1,000 |
3.51 |
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Rate History: 4.30% → 4.20% → 4.15% → 3.45% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.45% 0.30% |
$250,000 $1,000 |
17.09 |
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Rate History: 3.95% → 3.70% → 3.90% → 3.60% → 3.45% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.25% |
$500 |
19.96 |
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|
|
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Rate History: 4.00% → 3.75% → 3.70% → 3.50% → 3.25% |
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|
3.00% 0.01% |
$5,000 $500 |
23.47 |
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Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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2.75% |
$0 |
- |
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Early Withdrawal Penalty is 180 days interest. |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.00% |
$10,000 |
23.43 |
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% |
$1,000 |
14.28 |
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|
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Rate History: 2.00% → 1.75% |
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Mandy | May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More |
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0.85% |
$10,000 |
22.21 |
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0.75% |
$2,500 |
13.10 |
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0.75% |
$1,000 |
19.04 |
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Rate History: 1.25% → 0.75% |
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0.70% |
$5,000 |
18.66 |
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Rate History: 0.75% → 0.70% |
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0.65% |
$100,000 |
24.18 |
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0.65% |
$10,000 |
13.71 |
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NotURBusiness | Jul 9, 2021 ABSOLUTELY RIDICULOUS how this place is still around in Wheeling. Taking any more than 3 days on a loan check is UNEXCUSEABLE. Having an 800 plus credit rating. A SENIOR. Wanting to move out ofa big hou... Read More |
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0.65% |
$100,000 |
6.20 |
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0.65% |
$500 |
14.14 |
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0.55% |
$100,000 |
17.94 |
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0.55% |
$10,000 |
18.94 |
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|
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0.55% |
$10,000 |
6.20 |
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|
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0.50% |
$10,000 |
24.18 |
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0.50% |
$10,000 |
17.94 |
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0.50% |
$2,500 |
12.28 |
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|
|
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0.50% |
$0 |
18.49 |
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|
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Rate History: 2.00% → 0.50% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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0.47% |
$10,000 |
17.87 |
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0.45% |
$10,000 |
18.81 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.40% |
$1,000 |
- |
Learn More
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.40% |
$50,000 |
21.56 |
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0.40% |
$100,000 |
19.84 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.40% |
$10,000 |
19.03 |
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0.40% |
$100,000 |
13.58 |
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0.40% |
$10,000 |
4.06 |
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0.35% |
$10,000 |
23.17 |
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0.35% |
$10,000 |
19.84 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.35% |
$10,000 |
23.47 |
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|
|
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0.32% |
$100,000 |
14.80 |
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0.30% |
$10,000 |
18.96 |
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|
|
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Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
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0.30% |
$1,000 |
13.58 |
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|
|
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0.30% |
$10,000 |
24.61 |
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|
|
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0.30% |
$100,000 |
15.80 |
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|
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0.30% |
$100,000 |
10.15 |
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|
|
|
business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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0.30% |
$10,000 |
10.94 |
Learn More
|
|
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0.25% |
$10,000 |
- |
Learn More
|
|
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.25% |
$10,000 |
9.41 |
Learn More
|
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RobertJ | May 10, 2022 Centrust Bank is excellent to do business with. Friendly and experienced bankers. Read More |
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0.25% |
$10,000 |
18.91 |
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|
|
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0.25% |
$10,000 |
24.35 |
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0.25% |
$10,000 |
14.80 |
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|
|
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0.25% |
$10,000 |
15.80 |
Learn More
|
|
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0.25% |
$10,000 |
10.15 |
Learn More
|
|
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business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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|
0.25% |
$10,000 |
17.77 |
Learn More
|
|
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0.21% |
$100,000 |
12.88 |
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|
|
|
0.20% |
$1,000 |
- |
Learn More
|
|
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$10,000 |
22.06 |
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|
|
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0.20% |
$500 |
17.39 |
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|
|
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0.20% |
$10,000 |
18.79 |
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|
|
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0.20% |
$10,000 |
20.30 |
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|
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0.20% |
$10,000 |
24.21 |
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0.20% |
$10,000 |
15.94 |
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|
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0.16% |
$1,000 |
12.88 |
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0.15% |
$10,000 |
8.12 |
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|
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Doug | Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More |
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0.05% |
$500 |
23.42 |
Learn More
|
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% |
$25,000 |
21.53 |
Learn More
|
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.03% |
$100,000 |
19.21 |
Learn More
|
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.
While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.
In general, if rates are rising, it makes sense not to lock up money for an extended period of time.
If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.
Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates