--- title: "Illinois Credit Union CD Rates" description: "Best observed APY: 4.40% at Planites Credit Union across 5 credit unions. Compare cd rates from Illinois credit unions using published credit union APY, median yield, market spread, and observation counts. APY is yield, not loan APR. No affiliate ranking." canonical: "https://rateapi.dev/cd-rates/illinois" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # Illinois Credit Union CD Rates Published credit union deposit data # Illinois Credit Union CD Rates — up to 4.40% APY, October 2026 Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks. Get a Free API Key [Deposit rate API](https://rateapi.dev/deposit-rates) Deposits quote APY, not APR. Higher APY earns more, but eligibility, balance tiers, fees, and withdrawal terms still matter. [Home](https://rateapi.dev/) [Deposit Rates](https://rateapi.dev/deposit-rates) [CD Rates](https://rateapi.dev/cd-rates) Illinois Live proprietary benchmark ## What published credit union APYs show now Higher is better for deposit APY. Counts are qualifying published observations, not account recommendations or affiliate offers. Best observed APY **4.40%** Highest qualifying published yield Median APY **3.80%** Middle observed rate Market spread **340 bps** 1.00% to 4.40% Credit unions **5** Institutions in this aggregate Rate observations **39** Qualifying published rows Data timestamp: Oct 9, 2026, 10:05 AM UTC . [See the collection and ranking methodology](https://rateapi.dev/methodology) . How to read this page ## CD Rates from Illinois credit unions are compared by APY A certificate of deposit locks funds for a stated term in exchange for a fixed yield. Credit unions may offer a similar product called a share certificate, but this live aggregate is deliberately limited to rows classified exactly as CDs. The term pages never blend unlike maturities. This page groups rates by institutions whose recorded home state is **Illinois** . It does not assert that every account is available statewide; membership and account eligibility still vary by institution. ## Compare beyond headline APY - Confirm membership and geography eligibility. - Check minimum and maximum balance tiers. - For CDs, compare early-withdrawal penalties and renewal rules. - Separate promotional APY from the standard ongoing yield. Explore the deposit market ## Compare products without mixing unlike yields [**CD Rates from Illinois credit unions** Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks.](https://rateapi.dev/cd-rates/illinois) [**Savings Rates from Illinois credit unions** Compare current credit union savings APY with nationwide and state-level market benchmarks.](https://rateapi.dev/savings-rates/illinois) [**Money Market Rates from Illinois credit unions** Compare current credit union money market APY with nationwide and state-level market benchmarks.](https://rateapi.dev/money-market-rates/illinois) [12-Month CDs](https://rateapi.dev/cd-rates/terms/12-month) [24-Month CDs](https://rateapi.dev/cd-rates/terms/24-month) [36-Month CDs](https://rateapi.dev/cd-rates/terms/36-month) [60-Month CDs](https://rateapi.dev/cd-rates/terms/60-month) [Chicago CD rates](https://rateapi.dev/cd-rates/illinois/chicago) [Bloomington CD rates](https://rateapi.dev/cd-rates/illinois/bloomington) [Moline CD rates](https://rateapi.dev/cd-rates/illinois/moline) [Springfield CD rates](https://rateapi.dev/cd-rates/illinois/springfield) [Joliet CD rates](https://rateapi.dev/cd-rates/illinois/joliet) [Peoria CD rates](https://rateapi.dev/cd-rates/illinois/peoria) [Quincy CD rates](https://rateapi.dev/cd-rates/illinois/quincy) [Alton CD rates](https://rateapi.dev/cd-rates/illinois/alton) [Aurora CD rates](https://rateapi.dev/cd-rates/illinois/aurora) [Danville CD rates](https://rateapi.dev/cd-rates/illinois/danville) [Decatur CD rates](https://rateapi.dev/cd-rates/illinois/decatur) [Kankakee CD rates](https://rateapi.dev/cd-rates/illinois/kankakee) [Arlington Heigh CD rates](https://rateapi.dev/cd-rates/illinois/arlington-heigh) [Bethalto CD rates](https://rateapi.dev/cd-rates/illinois/bethalto) [Carbondale CD rates](https://rateapi.dev/cd-rates/illinois/carbondale) [Edwardsville CD rates](https://rateapi.dev/cd-rates/illinois/edwardsville) [Galesburg CD rates](https://rateapi.dev/cd-rates/illinois/galesburg) [Lisle CD rates](https://rateapi.dev/cd-rates/illinois/lisle) [Normal CD rates](https://rateapi.dev/cd-rates/illinois/normal) [Ottawa CD rates](https://rateapi.dev/cd-rates/illinois/ottawa) [Rock Island CD rates](https://rateapi.dev/cd-rates/illinois/rock-island) [Streator CD rates](https://rateapi.dev/cd-rates/illinois/streator) [Taylorville CD rates](https://rateapi.dev/cd-rates/illinois/taylorville) [Naperville CD rates](https://rateapi.dev/cd-rates/illinois/naperville) [Rockford CD rates](https://rateapi.dev/cd-rates/illinois/rockford) National context ## National CD rate context Zoom out from state and term pages to the national picture and our cross-product benchmark. Current CD Rates → Today's CD and share certificate APYs across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank CD Rates → Live credit union CD medians against FDIC national bank averages. Methodology ## Evidence first, no invented rates The live module comes from benchmark mode on `POST /v1/deposit-rates` . RateAPI validates the returned product, state, and term against the requested page, requires a real upstream `as_of` timestamp, and withholds the module when the aggregate is empty, thin, malformed, or unavailable. Generic savings benchmarks compare tiers applicable at a $10,000 balance and keep explicitly restricted or specialty/seasonal products out of headline rankings while retaining them as contextual listings. Read the full [RateAPI methodology](https://rateapi.dev/methodology) or inspect the [deposit API contract](https://rateapi.dev/deposit-rates) . FAQ ## Questions about CD Rates from Illinois credit unions It summarizes published credit union certificate of deposit APY that passes RateAPI's current-data and product-category filters. The live module reports the highest APY, median APY, full observed spread, rate-row count, institution count, and upstream data timestamp. Deposit accounts quote APY, or annual percentage yield, which includes compounding. APR describes borrowing cost. RateAPI never relabels a deposit yield as loan APR. No. APY is one comparison input. Minimum balance, membership eligibility, term, withdrawal limits, early-withdrawal penalties, tiers, and promotional conditions can change whether an account fits a saver. What does the CD Rates from Illinois credit unions benchmark measure? Are cd rates quoted as APY or APR? Does the highest APY mean the account is best for everyone? RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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