Highest 4-Year CD Rates in Illinois
97 Illinois-specific 48-Month CD products
The Illinois market
Illinois accounts
97
Institutions
93
Top Illinois APY
4.58% APY
Nationally: 4.95% APY
FDIC national average
1.28%
As of Sep 2026
97 48-month CDs are open only to Illinois residents, from 93 institutions. The highest advertised APY among them is 4.58%.
The highest nationally available rate is 4.95% APY, 37 basis points above the Illinois leader.
73 of the 97 Illinois 48-month CDs advertise more than the FDIC national average of 1.28% for 48-month CDs as of Sep 2026.
Illinois-Specific 48-Month CD Rates
48-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 | 4.58%APY Observed: Oct 12, 2026 Branches: Yes | $200 | ||
| #2 | 4.50%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #3 | 4.22%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.15%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #5 | 4.04%APY Observed: Oct 10, 2026 Branches: Yes | $1,000 | ||
| #6 | 3.98%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #7 | 3.87%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #9 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #10 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | Up to3.61%APY Needs at least $20,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #12 | Up to3.60%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #13 | 3.60%APY Observed: Oct 7, 2026 | N/A | ||
| #14 | 3.58%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #15 | 3.56%APY Observed: Oct 7, 2026 | $5,000 | ||
| #16 | 3.45%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #17 | 3.44%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #18 | Up to3.43%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #19 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.34%APY Observed: Oct 7, 2026 | $500 | ||
| #21 | 3.34%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #22 | 3.33%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #23 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #24 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #25 | 3.28%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | 3.25%APY Observed: Oct 13, 2026 | $2,000 | ||
| #27 | 3.05%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #28 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #29 | 3.03%APY Observed: Oct 13, 2026 Branches: Yes | $200 | ||
| #30 | 3.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 2.98%APY Observed: Sep 30, 2026 | $1,000 | ||
| #32 | Up to2.92%APY Needs at least $1,000,000 Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #33 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #34 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #36 | 2.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | Up to2.75%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #38 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 2.73%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #41 | 2.71%APY Observed: Oct 7, 2026 | $1,000 | ||
| #42 | 2.68%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 2.63%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | Up to2.58%APY Needs at least $50,000 Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #45 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 2.47%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #48 | 2.38%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 2.33%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.27%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
$200
Yes
N/A
Yes
$1,000
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
Needs at least $20,000
N/A
Yes
Needs at least $100,000
$500
Yes
N/A
N/A
N/A
Yes
$5,000
N/A
$500
Yes
N/A
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$500
N/A
$1,000
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$2,000
N/A
$1,000
Yes
$500
Yes
$200
Yes
$500
Yes
$1,000
N/A
Needs at least $1,000,000
N/A
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$5,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
N/A
$1,000
Yes
$500
Yes
Needs at least $50,000
$2,500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
Nationally Available 48-Month CD Rates
The 8 highest 48-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 48 Months48 months | 4.95% |
| Bread Savings | 4-Year CD48 months | 4.55% |
| Barclays | 48-Month CD48 months | 4.50% |
| Marcus by Goldman Sachs | 4 Year CD48 months | 4.40% |
| Synchrony Bank | 48 Month CD48 months | 4.40% |
| KS StateBank | 4 Year CD48 months | 4.35% |
| Capital One | 48-Month CD48 months | 3.50% |
| EverBank | 48-Month CD48 months | 3.40% |