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Illinois CD Rates 2016

Below are the best one year CD Rates from banks in Illinois. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

IL - December 9, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
The Farmers National Bank 1.25% $100,000 -
Reynolds State Bank 1.20% $1,000 -
Pan American Bank 1.12% $500 -
Central Federal Savings And Loan Association Of Chicago 1.10% $100,000 -
Tbk Bank, Ssb 1.05% $500 -
Beal Bank Usa 1.01% $1,000 -
Mutual Federal Bank 1.01% $500 -
The Leaders Bank 1.00% $1,000 -
Milledgeville State Bank 1.00% $50,000 -
The Farmers National Bank 1.00% $10,000 -
The Litchfield National Bank 1.00% $100,000 -
Capaha Bank, Sb 1.00% $10,000 -
State Bank Of Texas 1.00% $100,000 -
Cibm Bank 1.00% $2,500 -
Seaway Bank And Trust Company 0.95% $1,000 -
Mchenry Savings Bank 0.95% $250 -
State Bank 0.86% $500 -
Milledgeville State Bank 0.85% $10,000 -
State Bank 0.85% $500 -
Raritan State Bank 0.80% $1,000 -
Liberty Bank And Trust Company 0.79% $100,000 -
Mason City National Bank 0.75% $100,000 -
State Bank Of Waterloo 0.75% $1,000 -
Holcomb State Bank 0.75% $100,000 -
Armed Forces Bank, National Association 0.75% $500 -
Savanna-thomson State Bank 0.75% $500 -
Ridgestone Bank 0.75% $10,000 -
International Bank Of Chicago 0.75% $10,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.71% $50,000 -
Streator Home Savings Bank 0.70% $1,000 -
The Federal Savings Bank 0.70% $100,000 -
United Trust Bank 0.70% $1,000 -
American Metro Bank 0.70% $1,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.69% $50,000 -
Liberty Bank And Trust Company 0.68% $1 -
First State Bank 0.66% $100,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.66% $50,000 -
Hanmi Bank 0.65% $100,000 -
United Fidelity Bank, Fsb 0.65% $1,000 -
Princeville State Bank 0.65% $10,000 -
Community State Bank 0.65% $500 -
The Federal Savings Bank 0.65% $500 -
Midwest Bank 0.65% $20,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.61% $10,000 -
Grand Rivers Community Bank 0.61% $1,000 -
The City National Bank Of Metropolis 0.60% $500 -
First Federal Savings Bank 0.60% $1,000 -
Vermilion Valley Bank 0.60% $500 -
Mwabank 0.60% $1,000 -
Evergreen Bank Group 0.60% $1,000 -
First State Bank Of Beecher City 0.60% $500 -
Citizens National Bank Of Albion 0.60% $1 -
State Bank Of Toulon 0.60% $10,000 -
State Bank Of The Lakes 0.60% $99,000 -
Union Federal Savings And Loan Association 0.60% $200 -
Prospect Federal Savings Bank 0.60% $100,000 -
Hanmi Bank 0.60% $1,000 -
First Federal Savings And Loan Association Of Central Illinois 0.60% $1,000 -
The Fairfield National Bank 0.60% $100,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.59% $10,000 -
The Edgar County Bank And Trust Co., Paris, Illinois 0.56% $10,000 -
Fairview State Banking Company 0.55% $2,500 -
American Enterprise Bank 0.55% $1,000 -
Citizens Community Bank 0.55% $500 -
Union National Bank And Trust Company Of Elgin 0.55% $2,000 -
Flora Savings Bank 0.55% $1,000 -
First Security Trust And Savings Bank 0.55% $2,500 -
Pacific Global Bank 0.55% $1,000 -
State Bank Of Chrisman 0.55% $500 -
Bank Of Belleville 0.55% $1,000 -
Midcountry Bank 0.55% $1,000 -
Lisle Savings Bank 0.55% $90,000 -
Security Savings Bank 0.55% $75,000 -
Associated Bank, National Association 0.55% $100,000 -
State Bank Of The Lakes 0.55% $1,000 -
Bank Of Yates City 0.55% $1,000 -
Tompkins State Bank 0.55% $1,000 -
Fidelity Bank & Trust 0.55% $100,000 -
First Savings Bank 0.51% $100 -
First National Bank Of Omaha 0.51% $500 -
Marion County Savings Bank 0.51% $500 -
First Trust & Savings Bank Of Albany, Illinois 0.51% $100,000 -
Peoples Bank & Trust 0.50% $1,000 -
Bankchampaign, National Association 0.50% $500 -
The Farmers Bank Of Mt. Pulaski 0.50% $100,000 -
Rushville State Bank 0.50% $100,000 -
Community State Bank Of Rock Falls 0.50% $1,000 -
Cathay Bank 0.50% $2,500 -
Parkway Bank And Trust Company 0.50% $1,000 -
American Eagle Bank 0.50% $1,000 -
Farmers State Bank Of Medora 0.50% $1,000 -
The Bank Of Carbondale 0.50% $50,000 -
First National Bank In Taylorville 0.50% $1,000 -
The First National Bank In Amboy 0.50% $1,000 -
Peoplefirst Bank 0.50% $100,000 -
The Fairfield National Bank 0.50% $10,000 -
Prospect Federal Savings Bank 0.50% $1,000 -
Mason City National Bank 0.50% $500 -
Joy State Bank 0.50% $500 -
Community Banks Of Shelby County 0.50% $1,000 -
The First National Bank & Trust Company Of Rochelle 0.50% $25,000 -
Petefish, Skiles & Co. 0.50% $1,000 -
Anderson State Bank 0.50% $100,000 -
Longview Bank 0.50% $500 -
International Bank Of Chicago 0.50% $10,000 -
Cibm Bank 0.50% $500 -
Community National Bank In Monmouth 0.50% $20,000 -
Fidelity Bank & Trust 0.50% $500 -
Bank & Trust Company 0.50% $1,000 -
Pulaski Savings Bank 0.50% $500 -
1st State Bank Of Mason City 0.50% $500 -
Iroquois Federal Savings And Loan Association 0.50% $1,000 -
Bankfinancial, Fsb 0.50% $1,000 -
Farmers & Mechanics Bank 0.50% $100,000 -
North County Savings Bank 0.50% $500 -
The Bank Of Advance 0.50% $1,000 -
Dieterich Bank, N.a. 0.50% $500 -
American Eagle Bank Of Chicago 0.50% $1,000 -
First Bank & Trust, 0.50% $5,000 -
Midwest Bank 0.50% $5,000 -
Milford Building And Loan Association 0.50% $1,000 -
The Peoples State Bank Of Newton, Illinois 0.50% $1,000 -
Bank Of Farmington 0.50% $1,000 -
Fifth Third Bank 0.45% $100,000 -
Henry State Bank 0.45% $1,000 -
Flanagan State Bank 0.45% $25,000 -
Lisle Savings Bank 0.45% $2,000 -
Princeville State Bank 0.45% $500 -
Midland Community Bank 0.45% $100,000 -
Grand Ridge National Bank 0.45% $1,000 -
Lakeside Bank 0.45% $100,000 -
Ipava State Bank 0.45% $1,000 -
South Central Bank, National Association 0.45% $10,000 -
Bank Of Stronghurst 0.45% $500 -
State Bank Of Speer 0.45% $1,000 -
Exchange State Bank 0.45% $50,000 -
Marseilles Bank 0.45% $1,000 -
Anna State Bank 0.45% $50,000 -
Inland Bank & Trust 0.45% $10,000 -
First State Bank Of St. Peter 0.45% $1,000 -
Washington Savings Bank 0.45% $1,000 -
State Bank Of Texas 0.45% $100,000 -
State Bank Of Industry 0.45% $1,000 -
First State Bank 0.45% $1,000 -
First Community Bank, Xenia-flora 0.45% $500 -
Farmers State Bank 0.43% $1,000 -
Mercantile Bank 0.42% $1,000 -
Washington State Bank 0.42% $1,000 -
The Hill-dodge Banking Company 0.40% $500 -
Providence Bank & Trust 0.40% $1,000 -
Durand State Bank 0.40% $75,000 -
Table Grove State Bank 0.40% $500 -
Chesterfield State Bank 0.40% $100 -
Security Savings Bank 0.40% $500 -
Mchenry Savings Bank 0.40% $100,000 -
Rochester State Bank 0.40% $1,000 -
The State Bank Of Pearl City 0.40% $1,000 -
Cbi Bank & Trust 0.40% $1,000 -
Legence Bank 0.40% $1,000 -
The Farmers Bank Of Mt. Pulaski 0.40% $10,000 -
The First National Bank Of Mchenry 0.40% $100,000 -
First National Bank In Olney 0.40% $500 -
The Bank Of Carbondale 0.40% $1,000 -
Byron Bank 0.40% $100,000 -
Jacksonville Savings Bank 0.40% $100,000 -
The First National Bank Of Kinmundy 0.40% $1,000 -
Casey State Bank 0.40% $1,000 -
The Bradford National Bank Of Greenville 0.40% $1,000 -
First State Bank Of Illinois 0.40% $50,000 -
Peoplefirst Bank 0.40% $2,500 -
The Havana National Bank 0.40% $1,000 -
Bank Of Gibson City 0.40% $100,000 -
Middletown State Bank 0.40% $500 -
Apple River State Bank 0.40% $500 -
Beardstown Savings S.b. 0.40% $1,000 -
The First National Bank Of Barry 0.40% $500 -
Security National Bank 0.40% $1,000 -
First National Bank In Georgetown 0.40% $1,000 -
Farmers & Mechanics Bank 0.40% $1,000 -
National Bank 0.40% $1,000 -
North County Savings Bank 0.40% $5,000 -
Flanagan State Bank 0.40% $10,000 -
First Neighbor Bank, National Association 0.40% $500 -
First National Bank Of Pana 0.40% $1,000 -
The First National Bank Of Lacon 0.40% $2,500 -
Vermont State Bank 0.40% $500 -
Preferred Bank 0.40% $1,000 -
First Secure Bank And Trust Co. 0.40% $1,000 -
Athens State Bank 0.40% $1,000 -
The First National Bank 0.40% $1,000 -
Lincolnway Community Bank 0.40% $1,000 -
Community National Bank In Monmouth 0.40% $5,000 -
Philo Exchange Bank 0.40% $1,000 -
Teutopolis State Bank 0.40% $500 -
Anderson State Bank 0.40% $1,000 -
Central Bank Illinois 0.40% $10,000 -
Park Ridge Community Bank 0.40% $2,500 -
Lakeside Bank 0.40% $2,500 -
1st Community Bank 0.40% $1,000 -
Farmers National Bank Of Griggsville 0.40% $1,000 -
Blackhawk Bank & Trust 0.40% $500 -
Federated Bank 0.40% $500 -
The Old Exchange National Bank Of Okawville 0.40% $500 -
First Trust & Savings Bank Of Albany, Illinois 0.37% $10,000 -
The First National Bank Of Ava 0.37% $500 -
Central State Bank 0.35% $1,000 -
Midland Community Bank 0.35% $1,000 -
The First National Bank Of Beardstown 0.35% $1,000 -
Itasca Bank & Trust Co. 0.35% $100,000 -
Exchange State Bank 0.35% $1,000 -
First National Bank Of Steeleville 0.35% $500 -
Carrollton Bank 0.35% $10,000 -
First County Bank 0.35% $1,000 -
Citizens State Bank 0.35% $1,000 -
Central Bank Illinois 0.35% $10,000 -
Shelby County State Bank 0.35% $1,000 -
National Bank Of Petersburg 0.35% $1,000 -
The First State Bank Of Dongola 0.35% $1,000 -
Town Center Bank 0.35% $1,000 -
Blackhawk Bank & Trust 0.35% $1,000 -
Clay County State Bank 0.35% $500 -
Cnb Bank And Trust, N.a. 0.35% $1,000 -
Lena State Bank 0.35% $500 -
First Community Bank Of Hillsboro 0.35% $1,000 -
The First National Bank Of Sparta 0.35% $500 -
First Community Bank 0.35% $1,000 -
Amg National Trust Bank 0.35% $1,000 -
First National Bank Of Waterloo 0.35% $1,000 -
The First National Bank Of Brownstown 0.35% $1,000 -
Anna State Bank 0.35% $1,000 -
State Bank Of Whittington 0.35% $100,000 -
The First National Bank Of Mchenry 0.35% $500 -
Bank Of Rantoul 0.35% $500 -
Farmers State Bank Of Western Illinois 0.35% $500 -
Peoples National Bank Of Kewanee 0.35% $500 -
The Farmers Bank Of Liberty 0.35% $500 -
Centrust Bank, National Association 0.35% $100,000 -
The Privatebank And Trust Company 0.35% $100,000 -
Sterling Federal Bank, F.s.b. 0.35% $5,000 -
Colchester State Bank 0.35% $1,000 -
The Gifford State Bank 0.35% $500 -
Buckley State Bank 0.35% $1,000 -
First State Bank Of Campbell Hill 0.35% $500 -
The Gerber State Bank 0.35% $100,000 -
Bank Of Chestnut 0.35% $1,000 -
First Collinsville Bank 0.35% $1,000 -
Illinois National Bank 0.35% $100,000 -
Illini State Bank 0.35% $500 -
Laura State Bank 0.35% $1,000 -
Bank Of Calhoun County 0.35% $1,000 -
Cornerstone National Bank & Trust Company 0.35% $100,000 -
West Central Bank 0.35% $1,000 -
Homebank 0.35% $2,500 -
Midamerica National Bank 0.35% $1,000 -
The Anna -jonesboro National Bank 0.35% $50,000 -
Town And Country Bank 0.35% $1,000 -
First Eagle Bank 0.35% $2,500 -
Farmers & Merchants Bank Of Hutsonville 0.35% $2,500 -
Community First Bank Of The Heartland 0.35% $500 -
Crossroads Bank 0.35% $500 -
Prairie State Bank And Trust 0.35% $1,000 -
First Bank & Trust 0.33% $100,000 -
Old Plank Trail Community Bank, National Association 0.33% $1,000 -
Resource Bank, National Association 0.32% $10,000 -
Mercantile Bank 0.32% $1,000 -
The First National Bank 0.31% $1,000 -
Bank Of Springfield 0.31% $1,000 -
The Anna -jonesboro National Bank 0.30% $1,000 -
Pan American Bank 0.30% $500 -
Durand State Bank 0.30% $500 -
Community Savings Bank 0.30% $10,000 -
The Litchfield National Bank 0.30% $1,000 -
Merchants And Manufacturers Bank 0.30% $1,000 -
The First National Bank Of Raymond 0.30% $1,000 -
Beverly Bank & Trust Company, National Association 0.30% $1,000 -
West Suburban Bank 0.30% $2,500 -
First Savanna Savings Bank 0.30% $500 -
First National Bank In Paxton 0.30% $100,000 -
Home Federal Savings And Loan Association Of Collinsville 0.30% $1,000 -
State Bank Of Graymont 0.30% $1,000 -
The Clay City Banking Co. 0.30% $1,000 -
Wenona State Bank 0.30% $1,000 -
Hometown National Bank 0.30% $2,500 -
Southerntrust Bank 0.30% $1,000 -
The First National Bank Of Arenzville 0.30% $50 -
Forreston State Bank 0.30% $1,000 -
Bank Of Bluffs 0.30% $1,000 -
Washington Federal Bank For Savings 0.30% $1,000 -
Wheaton Bank & Trust 0.30% $100,000 -
Allied First Bank,sb 0.30% $500 -
Community Bank 0.30% $500 -
Anchor State Bank 0.30% $50,000 -
First Fsb Of Mascoutah 0.30% $1,000 -
Collinsville Building And Loan Association 0.30% $1,000 -
The First National Bank Of Carmi 0.30% $500 -
Union Savings Bank 0.30% $1,000 -
North Side Federal Savings And Loan Association Of Chicago 0.30% $2,000 -
Millennium Bank 0.30% $1,000 -
The Fisher National Bank 0.30% $500 -
Jacksonville Savings Bank 0.30% $500 -
Peru Federal Savings Bank 0.30% $1 -
First National Bank Of Brookfield 0.30% $10,000 -
The First National Bank Of Allendale 0.30% $10,000 -
First State Bank Of Forrest 0.30% $1,000 -
The Granville National Bank 0.30% $1,000 -
Cissna Park State Bank 0.30% $25,000 -
Nashville Savings Bank 0.30% $95,000 -
Prairie State Bank And Trust 0.30% $1,000 -
Town & Country Bank Midwest 0.30% $1,000 -
Itasca Bank & Trust Co. 0.30% $1,000 -
State Bank Of Saunemin 0.30% $500 -
First State Bank Of Illinois 0.30% $10,000 -
State Bank Of Herscher 0.30% $100,000 -
The First Trust And Savings Bank Of Watseka, Illinois 0.30% $1,000 -
Buena Vista National Bank 0.30% $500 -
Farmers State Bank Of Hoffman 0.30% $1,000 -
First Security Bank 0.30% $1,000 -
Devon Bank 0.30% $2,500 -
Warren-boynton State Bank 0.30% $1,000 -
West Town Bank & Trust 0.30% $1,000 -
Liberty Bank 0.30% $1,000 -
Hartsburg State Bank 0.30% $1,000 -
Bank Of Gibson City 0.30% $2,500 -
Centrust Bank, National Association 0.30% $500 -
Eureka Savings Bank 0.30% $1,000 -
Waterman State Bank 0.30% $1,000 -
First Nations Bank 0.30% $1,000 -
Heritage Bank Of Schaumburg 0.30% $1,000 -
Sauk Valley Bank & Trust Company 0.30% $5,000 -
Byron Bank 0.30% $1,000 -
Bankorion 0.30% $10,000 -
Chester National Bank 0.30% $500 -
State Bank Of Cherry 0.30% $1,000 -
Pioneer State Bank 0.30% $1,000 -
South Porte Bank 0.30% $1,000 -
Fayette County Bank 0.30% $500 -
The Farmers State Bank And Trust Company 0.30% $500 -
Midwest Community Bank 0.30% $1,000 -
Rushville State Bank 0.30% $1,000 -
Liberty Bank For Savings 0.30% $5,000 -
Andalusia Community Bank 0.30% $500 -
First Farmers Bank And Trust Company 0.30% $90,000 -
Urban Partnership Bank 0.30% $100,000 -
Bank Of O'fallon 0.30% $1,000 -
Delaware Place Bank 0.30% $100,000 -
The First National Bank Of Dwight 0.30% $500 -
Community State Bank 0.30% $10,000 -
St. Charles Bank & Trust Company 0.30% $1,000 -
Forest Park National Bank And Trust Company 0.30% $100,000 -
The Bank Of Edwardsville 0.30% $1,000 -
Holcomb State Bank 0.30% $1,000 -
Heartland Bank And Trust Company 0.29% $1,500 -
The Atlanta National Bank 0.27% $10,000 -
Williamsville State Bank & Trust 0.27% $1,000 -
Oakdale State Bank 0.27% $1,000 -
National Bank Of St. Anne 0.26% $1,000 -
Flora Bank & Trust 0.26% $1,000 -
First Community Bank And Trust 0.26% $100,000 -
First National Bank Of Nokomis 0.25% $1,000 -
Republic Bank Of Chicago 0.25% $1,000 -
Villa Grove State Bank 0.25% $500 -
North Central Bank 0.25% $1,000 -
Farmers State Bank & Trust Co. 0.25% $1,000 -
State Bank Of Lincoln 0.25% $1,000 -
Albany Bank And Trust Company National Association 0.25% $5,000 -
Security Bank, S.b. 0.25% $1,000 -
Old National Bank 0.25% $10,000 -
First National Bank & Trust Company 0.25% $500 -
Tcf National Bank 0.25% $100,000 -
The Poplar Grove State Bank 0.25% $1,000 -
Bank Of Modesto 0.25% $1,000 -
Sterling Federal Bank, F.s.b. 0.25% $10,000 -
Cnb Bank And Trust, N.a. 0.25% $1,000 -
Farmers State Bank Of Camp Point 0.25% $500 -
First Personal Bank 0.25% $250 -
Stc Capital Bank 0.25% $1 -
Bridgeview Bank Group 0.25% $5,000 -
Farmers State Bank Of Emden 0.25% $300 -
Commerce Bank 0.25% $10,000 -
Cissna Park State Bank 0.25% $500 -
Midland Federal Savings And Loan Association 0.25% $1,000 -
Brown County State Bank 0.25% $1,000 -
The Harvard State Bank 0.25% $500 -
Alpine Bank & Trust Co. 0.25% $1,000 -
Spring Valley City Bank 0.25% $1,000 -
The First National Bank In Staunton 0.25% $5,000 -
South Side Trust & Savings Bank Of Peoria 0.25% $1,000 -
Farmers State Bank Of Danforth 0.25% $1,000 -
State Street Bank And Trust Company 0.25% $25,000 -
Hickory Point Bank And Trust 0.25% $1,000 -
Hinsdale Bank & Trust Company 0.25% $1,000 -
The Bank Of Herrin 0.25% $1,000 -
North Adams State Bank 0.25% $500 -
Ben Franklin Bank Of Illinois 0.25% $1,000 -
Northwest Bank Of Rockford 0.25% $100,000 -
The First National Bank & Trust Company Of Rochelle 0.25% $1,000 -
Farmers-merchants National Bank Of Paxton 0.25% $1,000 -
State Bank Of Davis 0.25% $1,000 -
Standard Bank And Trust Company 0.25% $100,000 -
Illinois-service Federal Savings And Loan Association 0.25% $1,000 -
First State Bank Of Bloomington 0.25% $500 -
State Bank Of Texas 0.25% $2,500 -
Community Bank Of Trenton 0.25% $1,000 -
State Bank 0.25% $1,000 -
Illinois National Bank 0.25% $10,000 -
Providence Bank 0.25% $1,000 -
The Gerber State Bank 0.25% $1,000 -
Farmers And Merchants State Bank Of Bushnell 0.25% $10,000 -
Delaware Place Bank 0.25% $5,000 -
Brickyard Bank 0.25% $1,000 -
First Robinson Savings Bank, National Association 0.25% $500 -
The First National Bank Of Okawville 0.25% $500 -
Trustbank 0.25% $500 -
First Community Financial Bank 0.25% $1,000 -
Nashville Savings Bank 0.25% $1,000 -
Crystal Lake Bank And Trust Company, National Association 0.25% $100,000 -
Iroquois Farmers State Bank 0.25% $1,000 -
De Witt Savings Bank 0.25% $1,000 -
First State Bank Shannon-polo 0.25% $1,000 -
First Financial Bank, National Association 0.25% $100,000 -
First Farmers State Bank 0.25% $50,000 -
Cornerstone National Bank & Trust Company 0.25% $10,000 -
Urban Partnership Bank 0.25% $500 -
Bank Of Pontiac 0.25% $500 -
Schaumburg Bank & Trust Company, National Association 0.25% $1,000 -
Farmers State Bank Of Alto Pass, Ill. 0.25% $1,000 -
The First National Bank In Carlyle 0.24% $1,000 -
First Southern Bank 0.24% $1,000 -
Pnc Bank, National Association 0.22% $100,000 -
Citizens State Bank Of Milford 0.22% $20,000 -
Reliance Bank 0.21% $1,000 -
Peoples National Bank , N.a. 0.21% $100,000 -
Illini Bank 0.21% $1,000 -
The Privatebank And Trust Company 0.20% $1,000 -
North Shore Trust And Savings 0.20% $1,000 -
First Federal Savings Bank Of Champaign Urbana 0.20% $1,000 -
Scott State Bank 0.20% $1,000 -
Hoyne Savings Bank 0.20% $500 -
First National Bank In Paxton 0.20% $1,000 -
Rockford Bank And Trust Company 0.20% $100,000 -
German-american State Bank 0.20% $50,000 -
Goodfield State Bank 0.20% $1,000 -
Southeast National Bank 0.20% $1,000 -
Northside Community Bank 0.20% $1,000 -
Wheaton Bank & Trust 0.20% $1,000 -
Marine Bank And Trust 0.20% $1,000 -
Southern Illinois Bank 0.20% $1,000 -
Central Bank Of St. Louis 0.20% $1,000 -
Soy Capital Bank And Trust Company 0.20% $500 -
Ottawa Savings Bank 0.20% $1,000 -
Wintrust Bank 0.20% $100,000 -
Marine Bank 0.20% $1,000 -
Lake Forest Bank And Trust Company 0.20% $100,000 -
Abc Bank 0.20% $1,000 -
State Bank Of Bement 0.20% $500 -
First Financial Bank, National Association 0.20% $1,000 -
Anchor State Bank 0.20% $10,000 -
United Trust Bank 0.20% $1,000 -
Community Bank Of Elmhurst 0.20% $500 -
Barrington Bank & Trust Company, National Association 0.20% $100,000 -
La Salle State Bank 0.20% $1,000 -
Busey Bank 0.20% $1,000 -
Crystal Lake Bank And Trust Company, National Association 0.20% $1,000 -
Dubuque Bank And Trust Company 0.20% $1,000 -
First Bank & Trust 0.20% $1,000 -
First Trust Bank Of Illinois 0.20% $1,000 -
United Community Bank 0.20% $1,000 -
Columbia National Bank 0.20% $500 -
Forest Park National Bank And Trust Company 0.20% $1,000 -
First American Bank 0.20% $5,000 -
First State Bank Of Illinois 0.20% $1,000 -
Marquette Bank 0.20% $500 -
Mchenry Savings Bank 0.20% $1,000 -
State Bank Of Whittington 0.20% $1,000 -
The First National Bank Of Sullivan 0.20% $500 -
First National Bank In Pinckneyville 0.20% $500 -
Glasford State Bank 0.20% $2,500 -
Standard Bank And Trust Company 0.20% $1,000 -
State Street Bank And Trust Company 0.20% $1,000 -
Central Federal Savings And Loan Association Of Chicago 0.20% $1,000 -
The Huntington National Bank 0.20% $100,000 -
State Bank Of Nauvoo 0.20% $25,000 -
First Bank 0.20% $1,000 -
Stillman Banccorp N.a. 0.20% $10,000 -
State Bank Of Herscher 0.20% $1,000 -
Northwest Bank Of Rockford 0.20% $10,000 -
Metropolitan Capital Bank & Trust 0.20% $5,000 -
Northbrook Bank And Trust Company 0.20% $50,000 -
Peoples State Bank Of Colfax 0.20% $1,000 -
Golden Eagle Community Bank 0.20% $1,000 -
First Farmers State Bank 0.20% $10,000 -
A J Smith Federal Savings Bank 0.20% $500 -
Belmont Bank & Trust Company 0.20% $2,500 -
The Farmers And Merchants National Bank Of Nashville 0.20% $1,000 -
Banterra Bank 0.20% $1,000 -
Oak Bank 0.20% $2,500 -
The Bank Of Bourbonnais 0.20% $500 -
Tempo Bank, A Federal Savings Bank 0.20% $500 -
Blackhawk Bank 0.20% $1,000 -
Royal Savings Bank 0.20% $1,000 -
Municipal Trust And Savings Bank 0.20% $1,000 -
Citizens State Bank Of Milford 0.20% $10,000 -
First Clover Leaf Bank, National Association 0.20% $1,000 -
Libertyville Bank & Trust Company 0.20% $1,000 -
Loomis Federal Savings And Loan Association 0.20% $2,500 -
Pnc Bank, National Association 0.18% $10,000 -
Algonquin State Bank, National Association 0.18% $50,000 -
Northbrook Bank And Trust Company 0.18% $1,000 -
Dewey Bank 0.17% $10,000 -
Morton Community Bank 0.16% $100,000 -
Parkway Bank And Trust Company 0.16% $100,000 -
The First National Bank Of Ottawa 0.15% $10,000 -
The First National Bank In Tremont 0.15% $1,000 -
Woodforest National Bank 0.15% $500 -
Citibank, National Association 0.15% $10,000 -
First Community Bank And Trust 0.15% $5,000 -
State Bank Of Arthur 0.15% $500 -
Rockford Bank And Trust Company 0.15% $500 -
Burling Bank 0.15% $1,000 -
First Mid-illinois Bank & Trust, National Association 0.15% $1,000 -
Mb Financial Bank, National Association 0.15% $1,000 -
Glenview State Bank 0.15% $1,000 -
Mainsource Bank 0.15% $100,000 -
Prairie Community Bank 0.15% $1,000 -
North Shore Bank, Fsb 0.15% $1,000 -
Norstates Bank 0.15% $1,000 -
Village Bank And Trust 0.15% $1,000 -
Community Bank Of Oak Park River Forest 0.15% $1,000 -
Citizens Bank Of Chatsworth 0.15% $1,000 -
Peoples National Bank , N.a. 0.15% $10,000 -
Arcola First Bank 0.15% $2,500 -
Peoples Bank Of Kankakee County 0.15% $50,000 -
Du Quoin State Bank 0.15% $1,000 -
First Bank Of Manhattan 0.15% $5,000 -
Wintrust Bank 0.15% $1,000 -
Bmo Harris Bank National Association 0.15% $5,000 -
Barrington Bank & Trust Company, National Association 0.15% $1,000 -
Illinois Bank & Trust 0.15% $1,000 -
Tuscola National Bank 0.15% $500 -
State Bank Of Nauvoo 0.15% $10,000 -
State Bank 0.15% $1,000 -
American Bank And Trust Company, National Association 0.15% $500 -
The Village Bank 0.15% $1,000 -
Home State Bank, National Association 0.15% $1,000 -
The Huntington National Bank 0.15% $10,000 -
First Community Financial Bank 0.15% $500 -
Lake Forest Bank And Trust Company 0.15% $1,000 -
First Merchants Bank 0.15% $100,000 -
Murphy-wall State Bank And Trust Company 0.15% $1,000 -
Amalgamated Bank Of Chicago 0.15% $100,000 -
Byline Bank 0.15% $500 -
Fnbc Bank & Trust 0.14% $1,000 -
Pnc Bank, National Association 0.13% $10,000 -
Oxford Bank & Trust 0.12% $1,000 -
The First National Bank And Trust Company 0.11% $1,000 -
Countryside Bank 0.10% $1,000 -
U.s. Bank National Association 0.10% $10,000 -
Central Federal Savings And Loan Association 0.10% $2,500 -
First Merchants Bank 0.10% $1,000 -
Umb Bank, National Association 0.10% $500 -
Morton Community Bank 0.10% $1,000 -
Gateway Community Bank 0.10% $1,000 -
Amalgamated Bank Of Chicago 0.10% $1,000 -
German-american State Bank 0.10% $1,000 -
Peoples Bank Of Kankakee County 0.10% $5,000 -
Old Second National Bank 0.10% $1,000 -
First Midwest Bank 0.10% $100,000 -
Fifth Third Bank 0.10% $10,000 -
Mainsource Bank 0.10% $1 -
Centrue Bank 0.10% $1,000 -
Associated Bank, National Association 0.10% $10,000 -
The Northern Trust Company 0.10% $100,000 -
The First Bank And Trust Company Of Murphysboro 0.10% $1,000 -
First Farmers Bank And Trust Company 0.10% $10,000 -
Farmers State Bank 0.10% $1,000 -
Grundy Bank 0.09% $1,000 -
Algonquin State Bank, National Association 0.08% $1,000 -
Bank Of America, National Association 0.07% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
The Lemont National Bank 0.05% $1,000 -
Regions Bank 0.05% $500 -
Tcf National Bank 0.05% $500 -
First Bankers Trust Company, National Association 0.05% $1,000 -
Bank Of America, National Association 0.05% $10,000 -
First Midwest Bank 0.04% $1,000 -
Guaranty Bank 0.02% $1,000 -
Jpmorgan Chase Bank, National Association 0.01% $10,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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, you visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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