Highest 2-Year CD Rates in Illinois
107 Illinois-specific 24-Month CD products
The Illinois market
Illinois accounts
107
Institutions
105
Top Illinois APY
4.16% APY
Nationally: 4.75% APY
FDIC national average
1.61%
As of Sep 2026
107 24-month CDs are open only to Illinois residents, from 105 institutions. The highest advertised APY among them is 4.16%.
The highest nationally available rate is 4.75% APY, 59 basis points above the Illinois leader.
65 of the 107 Illinois 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.
Illinois-Specific 24-Month CD Rates
24-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 | 4.16%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #2 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #3 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.14%APY Observed: Oct 10, 2026 Branches: Yes | $1,000 | ||
| #5 | 4.07%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.06%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.96%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #8 | 3.95%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #9 | 3.95%APY Observed: Oct 7, 2026 | $1,000 | ||
| #10 | 3.86%APY Observed: Oct 13, 2026 | $2,000 | ||
| #11 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #12 | 3.81%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.75%APY Observed: Oct 13, 2026 | $5,000 | ||
| #15 | 3.70%APY Observed: Oct 7, 2026 | N/A | ||
| #16 | Up to3.70%APY On balances of $75,000 to $250,000 · 3.50% below Observed: Oct 13, 2026 Branches: Yes | $3,000 | ||
| #17 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.67%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #21 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #22 | Up to3.35%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | 3.29%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #24 | 3.29%APY That 3.29% is a promotional rate. Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | 3.28%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | Up to3.28%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.14%APY Observed: Oct 13, 2026 Branches: Yes | $200 | ||
| #30 | 3.07%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #31 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 3.03%APY Observed: Oct 7, 2026 | $500 | ||
| #33 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #35 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #36 | Up to3.00%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #37 | 2.78%APY Observed: Sep 30, 2026 | $1,000 | ||
| #38 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #39 | 2.78%APY Observed: Oct 12, 2026 | $500 | ||
| #40 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #42 | Up to2.70%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #43 | 2.57%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.50%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #47 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #48 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 2.43%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.42%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$1,000
N/A
$2,000
N/A
$500
Yes
$1,000
Yes
$1,000
Yes
$5,000
N/A
N/A
N/A
On balances of $75,000 to $250,000 · 3.50% below
$3,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
N/A
Yes
That 3.29% is a promotional rate.
$1,000
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$1,000
Yes
$200
Yes
N/A
Yes
$500
Yes
$500
N/A
$500
Yes
$1,000
Yes
$500
Yes
Needs at least $100,000
N/A
Yes
$1,000
N/A
$500
Yes
$500
N/A
$500
Yes
$1,000
Yes
Needs at least $100,000
$5,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 24-Month CD Rates
The 8 highest 24-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| Barclays | 24-Month CD24 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |
| Happen Bank | 2-Year CD24 months | 4.60% |
| Bread Savings | 2-Year CD24 months | 4.45% |
| E*TRADE from Morgan Stanley | 24-Month Certificates of Deposit24 months | 4.40% |
| Marcus by Goldman Sachs | 2 Year CD24 months | 4.40% |
| Sallie Mae Bank | 24-Month Certificates of deposit CDs24 months | 4.40% |
| Vio Bank | 24-Month Online Certificate of Deposit CD24 months | 4.40% |