Highest 3-Year CD Rates in Illinois
101 Illinois-specific 36-Month CD products
The Illinois market
Illinois accounts
101
Institutions
99
Top Illinois APY
4.40% APY
Nationally: 4.85% APY
FDIC national average
1.36%
As of Sep 2026
101 36-month CDs are open only to Illinois residents, from 99 institutions. The highest advertised APY among them is 4.40%.
The highest nationally available rate is 4.85% APY, 45 basis points above the Illinois leader.
66 of the 101 Illinois 36-month CDs advertise more than the FDIC national average of 1.36% for 36-month CDs as of Sep 2026.
Illinois-Specific 36-Month CD Rates
36-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 | 4.40%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #2 | 4.16%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.07%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.05%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #5 | 4.04%APY Observed: Oct 10, 2026 Branches: Yes | $1,000 | ||
| #6 | 3.87%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #9 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #10 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #12 | Up to3.50%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.46%APY Observed: Oct 7, 2026 | $5,000 | ||
| #15 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #16 | 3.39%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #17 | 3.34%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #18 | Up to3.33%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | Up to3.25%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #21 | 3.24%APY Observed: Oct 7, 2026 | $500 | ||
| #22 | 3.20%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #23 | 3.20%APY Observed: Oct 13, 2026 | $2,000 | ||
| #24 | 3.17%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #25 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #26 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | Up to3.00%APY On balances of $75,000 to $250,000 · 2.80% below Observed: Oct 13, 2026 Branches: Yes | $3,000 | ||
| #29 | 2.88%APY Observed: Sep 30, 2026 | $1,000 | ||
| #30 | Up to2.82%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #31 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.73%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | 2.71%APY Observed: Oct 7, 2026 | $1,000 | ||
| #38 | Up to2.70%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #39 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.52%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #41 | 2.42%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #42 | 2.33%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #43 | 2.28%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.27%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 2.27%APY Observed: Oct 12, 2026 | $500 | ||
| #46 | Up to2.25%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 2.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | 2.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #49 | 2.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
N/A
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$2,500
Yes
$1,000
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$5,000
N/A
$5,000
Yes
$1,000
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
Needs at least $100,000
N/A
Yes
$500
N/A
$1,000
Yes
$2,000
N/A
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
On balances of $75,000 to $250,000 · 2.80% below
$3,000
Yes
$1,000
N/A
Needs at least $1,000,000
N/A
Yes
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
N/A
Needs at least $100,000
$5,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$500
N/A
Needs at least $100,000
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 36-Month CD Rates
The 8 highest 36-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 36 Months36 months | 4.85% |
| Barclays | 36-Month CD36 months | 4.50% |
| Bread Savings | 3-Year CD36 months | 4.50% |
| Sallie Mae Bank | 36-Month Certificates of deposit CDs36 months | 4.45% |
| E*TRADE from Morgan Stanley | 36-Month Certificates of Deposit36 months | 4.40% |
| Marcus by Goldman Sachs | 3 Year CD36 months | 4.40% |
| Synchrony Bank | 36 Month CD36 months | 4.40% |
| KS StateBank | 3 Year CD36 months | 4.35% |