Highest 3-Month CD Rates in Illinois
103 Illinois-specific 3-Month CD products
The Illinois market
Illinois accounts
103
Institutions
95
Top Illinois APY
4.01% APY
Nationally: 4.30% APY
FDIC national average
1.13%
As of Sep 2026
103 3-month CDs are open only to Illinois residents, from 95 institutions. The highest advertised APY among them is 4.01%.
The highest nationally available rate is 4.30% APY, 29 basis points above the Illinois leader.
48 of the 103 Illinois 3-month CDs advertise more than the FDIC national average of 1.13% for 3-month CDs as of Sep 2026.
Illinois-Specific 3-Month CD Rates
3-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 | 4.01%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #2 | 3.85%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #3 | 3.85%APY That 3.85% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #4 | Up to3.80%APY Needs at least $20,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #5 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.55%APY Observed: Oct 10, 2026 Branches: Yes | $2,500 | ||
| #8 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #9 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #10 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #11 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.34%APY Observed: Oct 7, 2026 | N/A | ||
| #13 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #14 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | Up to3.25%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #16 | 3.21%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #17 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #20 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.00%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.00%APY Observed: Oct 13, 2026 | $2,000 | ||
| #23 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #24 | 2.98%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | Up to2.80%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | 2.78%APY Observed: Oct 7, 2026 | $1,000 | ||
| #27 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #30 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #31 | 2.38%APY Observed: Oct 7, 2026 | $500 | ||
| #32 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 2.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #34 | Up to1.96%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #35 | 1.76%APY Observed: Oct 7, 2026 | $500 | ||
| #36 | 1.61%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | Up to1.61%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #38 | 1.55%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #39 | 1.51%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #40 | 1.51%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 1.50%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #42 | Up to1.45%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | 1.26%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 1.25%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #45 | 1.25%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #46 | 1.22%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 1.21%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #48 | 1.16%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #49 | 1.10%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #50 | 1.05%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$1,000
Yes
N/A
Yes
That 3.85% is a promotional rate.
$500
Yes
Needs at least $20,000
N/A
Yes
$500
Yes
$1,000
Yes
$2,500
Yes
$10,000
Yes
$2,500
Yes
$2,500
Yes
$1,000
Yes
N/A
N/A
$500
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$2,000
N/A
N/A
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
N/A
$1,000
Yes
$1,000
Yes
$500
Yes
N/A
Yes
$500
N/A
$1,000
Yes
$1,000
Yes
Needs at least $1,000,000
N/A
Yes
$500
N/A
$1,000
Yes
Needs at least $50,000
$2,500
Yes
$5,000
Yes
$2,500
Yes
$500
Yes
$1,000
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$2,500
Yes
$500
Yes
Nationally Available 3-Month CD Rates
The 8 highest 3-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 3 Months3 months | 4.30% |
| Ivy Bank | 3-Month High-Yield Certificate of Deposit3 months | 4.25% |
| Bask Bank | 3-Month3 months | 4.10% |
| Omb Bank | 3 Month CD3 months | 4.05% |
| Bread Savings | 3-Month CD3 months | 3.95% |
| Customers Bank | 3-Month CD3 months | 3.85% |
| Carver Bank | 91 Day CD3 months | 3.69% |
| Quontic Bank | 3 Month CD3 months | 3.66% |