Best CD Rates in Chicago
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
Confirm eligibility
Check membership, geographic, and new-money requirements before applying.
Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Chicago
Last verified: October 27, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Consumers Credit Union Anyone can join through Consumers Cooperative Association; $5 association fee reimbursed subject to stated exceptions. | 7-Month Certificate CD | 7 months | 4.35% | $250 | Official rate |
| Chicago Firefighters Credit Union Chicago firefighters and immediate family, including spouses, children, grandchildren, parents and grandparents. Not general Chicago residency. | 12-Month Share Certificate CD | 12 months | 4.33% | $10,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 100-Day Promotional Share Certificate CD | — | 4.25% | $1,000 | Official rate |
| NuMark Credit Union Address must fall within the specific Illinois/Indiana service boundaries listed on the membership page, or qualify by participating employer/family. Listed routes include ZIP60100–60599, Worth, Schaumburg and defined Cook/DuPage/Kane areas; not all Chicago residents automatically qualify. $5 savings share. | 10-Month Special Certificate CD | 10 months | 4.00% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 7-Month Promotional Share Certificate CD | 7 months | 3.85% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 5-Year Share Certificate CD | 60 months | 1.25% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 4-Year Share Certificate CD | 48 months | 1.15% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 3-Year Share Certificate CD | 36 months | 1.10% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 2-Year Share Certificate CD | 24 months | 0.90% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 1-Year Share Certificate CD | 12 months | 0.85% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 6-Month Share Certificate CD | 6 months | 0.60% | $1,000 | Official rate |
| Great Lakes Credit Union Live, work or worship in listed areas including Cook County; foundation alternative available. | 3-Month Share Certificate CD | 3 months | 0.35% | $1,000 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.