Highest 1-Year CD Rates in Illinois
126 Illinois-specific 12-Month CD products
The Illinois market
Illinois accounts
126
Institutions
113
Top Illinois APY
4.25% APY
Nationally: 4.75% APY
FDIC national average
1.73%
As of Sep 2026
126 12-month CDs are open only to Illinois residents, from 113 institutions. The highest advertised APY among them is 4.25%.
The highest nationally available rate is 4.75% APY, 50 basis points above the Illinois leader.
76 of the 126 Illinois 12-month CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Illinois-Specific 12-Month CD Rates
12-Month CD rates specifically available to Illinois residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #2 | 4.18%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.15%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #5 | 4.05%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #6 | 4.05%APY Observed: Oct 13, 2026 | $1,000 | ||
| #7 | Up to4.05%APY On balances of $75,000 to $250,000 · 3.85% below Observed: Oct 13, 2026 Branches: Yes | $3,000 | ||
| #8 | 4.01%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #9 | Up to4.00%APY Needs at least $20,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #10 | Up to4.00%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #11 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #12 | 3.99%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #13 | 3.96%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.91%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #17 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.79%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.79%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #20 | 3.78%APY Observed: Oct 10, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.76%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $25 | ||
| #23 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 3.73%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #25 | Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #27 | 3.60%APY Observed: Oct 13, 2026 | $2,000 | ||
| #28 | 3.60%APY Observed: Oct 7, 2026 | N/A | ||
| #29 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #30 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 3.55%APY Observed: Oct 12, 2026 | $500 | ||
| #32 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 3.47%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | 3.46%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #39 | 3.43%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 3.34%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | Up to3.28%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #45 | 3.25%APY Observed: Oct 13, 2026 Branches: Yes | $0 | ||
| #46 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.03%APY Observed: Oct 9, 2026 Branches: Yes | $500 | ||
| #48 | 3.03%APY Observed: Oct 7, 2026 | N/A | ||
| #49 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 |
$10,000
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$2,500
Yes
$1,000
N/A
On balances of $75,000 to $250,000 · 3.85% below
$3,000
Yes
$1,000
Yes
Needs at least $20,000
N/A
Yes
Needs at least $100,000
$500
Yes
$2,500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$25
Yes
$1,000
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
N/A
Yes
$2,000
N/A
N/A
N/A
$1,000
Yes
$500
Yes
$500
N/A
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$500
Yes
N/A
Yes
$0
Yes
$1,000
Yes
$500
Yes
N/A
N/A
$500
Yes
$2,500
Yes
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Barclays | 12-Month CD12 months | 4.50% |
| Popular Direct | 12 Months12 months | 4.50% |
| Bread Savings | 1-Year CD12 months | 4.45% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.40% |
| Marcus by Goldman Sachs | 12-Month CD12 months | 4.40% |
| Sallie Mae Bank | 12-Month Certificates of deposit CDs12 months | 4.40% |
| Bask Bank | 12-Month12 months | 4.35% |