Highest 6-Month CD Rates in Illinois
119 Illinois-specific 6-Month CD products
The Illinois market
Illinois accounts
119
Institutions
112
Top Illinois APY
4.15% APY
Nationally: 4.35% APY
FDIC national average
1.41%
As of Sep 2026
119 6-month CDs are open only to Illinois residents, from 112 institutions. The highest advertised APY among them is 4.15%.
The highest nationally available rate is 4.35% APY, 20 basis points above the Illinois leader.
71 of the 119 Illinois 6-month CDs advertise more than the FDIC national average of 1.41% for 6-month CDs as of Sep 2026.
Illinois-Specific 6-Month CD Rates
6-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 | 4.15%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #2 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #3 | 3.91%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #4 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #5 | 3.82%APY Observed: Oct 12, 2026 Branches: Yes | $0 | ||
| #6 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 3.79%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #8 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #9 | 3.75%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #10 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #11 | Up to3.75%APY On balances of $75,000 to $250,000 · 3.55% below Observed: Oct 13, 2026 Branches: Yes | $3,000 | ||
| #12 | Up to3.73%APY Needs at least $20,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #13 | 3.73%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #14 | 3.72%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #15 | 3.72%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #17 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #19 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | 3.63%APY Observed: Oct 10, 2026 Branches: Yes | $2,500 | ||
| #21 | 3.60%APY Observed: Oct 13, 2026 | $2,000 | ||
| #22 | 3.56%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #23 | 3.56%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #24 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #25 | 3.53%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | Up to3.50%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 3.50%APY Observed: Oct 13, 2026 | $1,000 | ||
| #28 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 3.44%APY Observed: Oct 7, 2026 | N/A | ||
| #30 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #32 | 3.30%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | 3.30%APY Observed: Oct 7, 2026 | $500 | ||
| #34 | 3.29%APY Observed: Oct 12, 2026 | $500 | ||
| #35 | 3.29%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #36 | 3.28%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | Up to3.28%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #38 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #41 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #42 | Up to3.00%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #43 | 2.95%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | 2.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #45 | 2.79%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #47 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #48 | 2.67%APY Observed: Oct 7, 2026 | $1,000 | ||
| #49 | 2.63%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #50 | 2.52%APY Observed: Oct 7, 2026 | $500 |
$1,000
Yes
$2,500
Yes
$2,500
Yes
$2,500
Yes
$0
Yes
$500
Yes
N/A
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
On balances of $75,000 to $250,000 · 3.55% below
$3,000
Yes
Needs at least $20,000
N/A
Yes
$500
Yes
$500
Yes
$1,000
Yes
N/A
Yes
$1,000
Yes
N/A
Yes
$1,000
Yes
$2,500
Yes
$2,000
N/A
$1,000
Yes
$500
Yes
$2,500
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$1,000
N/A
$1,000
Yes
N/A
N/A
$500
Yes
N/A
Yes
$1,000
Yes
$500
N/A
$500
N/A
$1,000
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$2,500
Yes
Needs at least $100,000
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
$2,500
Yes
$1,000
N/A
$1,000
Yes
$500
N/A
Nationally Available 6-Month CD Rates
The 8 highest 6-Month CD rates available nationwide, including in Illinois.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 6 Months6 months | 4.35% |
| Climate First Bank | 6-Month CD6 months | 4.33% |
| Happen Bank | 6-Month CD6 months | 4.30% |
| Newtek Bank | 6-Month CD6 months | 4.30% |
| Ivy Bank | 6-Month High-Yield Certificate of Deposit6 months | 4.25% |
| E*TRADE from Morgan Stanley | 6-Month Certificates of Deposit6 months | 4.20% |
| Live Oak Bank | 6-Month Personal CD6 months | 4.20% |
| Colorado Federal Savings Bank | 6-Month CD6 months | 4.15% |