Best 4-Year CD Rates in Illinois, IL

You are viewing rates from banks across Illinois

Below are four-year CD Rates from banks in Illinois . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

IL - December 4, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Beal Bank USA	3.80%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Seattle Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
State Bank of India	3.76%	$2,500	-	Learn More Add Review
Rate History: 1.00% → 3.92% → 3.87% → 3.76%
Old Second National Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 0.20% → 4.58% → 4.00% → 3.75%
Customers Bank	3.75%	$500	-	Learn More
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
Farmers National Bank	3.60% 3.30%	$100,000 $500	-	Learn More Add Review
Rate History: 3.85% → 3.60%
Capital One, National Association	3.55%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
State Bank	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.52% → 3.30% → 3.25% → 3.15% → 3.50%
Evergreen Bank Group	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 4.00% → 3.75% → 3.50%
The Clay City Banking Co.	3.44%	$1,000	-	Learn More Add Review
Rate History: 3.55% → 3.44%
Bank of Hope	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Dieterich Bank	3.15%	$500	-	Learn More Add Review
Rate History: 2.50% → 3.15%
Gateway First Bank	3.00%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
FCB Banks	3.00%	$1,000	-	Learn More
Rate History: 2.75% → 3.00%
RS \| Feb 2, 2021 This bank's site shows the 15 mo rate at .45% Read More Reviews (1)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
The Fairfield National Bank	2.87%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
First Robinson Savings Bank, National Association	2.27%	$0	-	Learn More Add Review
Rate History: 3.03% → 2.78% → 2.27%
Morton Community Bank	2.17% 2.11%	$100,000 $0	-	Learn More Add Review
Heartland Bank and Trust Company	2.00%	$5,000	-	Learn More Add Review
Rate History: 0.25% → 2.00%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Prairie Community Bank	1.90%	$1,000	-	Learn More Add Review
Washington Savings Bank	1.76%	$1,000	-	Learn More Add Review
Rate History: 1.51% → 1,000.00% → 1.66% → 3.55% → 1.76%
International Bank of Chicago	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
United Community Bank	1.41%	$10,000	-	Learn More Add Review
Preferred Bank	1.36%	$10,000	-	Learn More Add Review
The Farmers Bank of Mt. Pulaski	1.35%	$100,000	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Anderson State Bank	1.31%	$100,000	-	Learn More Add Review
Security Savings Bank	1.30%	$100,000	-	Learn More Add Review
Woodforest National Bank	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Midwest Bank	1.27%	$100,000	-	Learn More Add Review
The First National Bank of Raymond	1.26%	$10,000	-	Learn More Add Review
SouthernTrust Bank	1.26%	$10,000	-	Learn More Add Review
The Havana National Bank	1.26%	$10,000	-	Learn More Add Review
State Street Bank and Trust Company	1.26%	$1,000	-	Learn More Add Review
The FNB Community Bank	1.26%	$1,000	-	Learn More Add Review
The Farmers Bank of Mt. Pulaski	1.25%	$10,000	-	Learn More Add Review
LIBERTY BANK	1.25%	$10,000	-	Learn More Add Review
Central State Bank	1.25%	$10,000	-	Learn More Add Review
Byline Bank	1.25%	$5,000	-	Learn More Add Review
Bank of Hillsboro, National Association	1.21%	$10,000	-	Learn More Add Review
Anderson State Bank	1.21%	$10,000	-	Learn More Add Review
First National Bank of Waterloo	1.21%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Central Illinois, S.B.	1.21%	$10,000	-	Learn More Add Review
Midland Community Bank	1.20%	$100,000	-	Learn More Add Review
Anna State Bank	1.20%	$100,000	-	Learn More Add Review
Sterling Bank	1.20%	$10,000	-	Learn More
Al \| Sep 26, 2016 I think the specials have ended. can you double check? Read More Reviews (1)
United Fidelity Bank, fsb	1.20%	$10,000	-	Learn More Add Review
Fidelity Bank & Trust	1.20%	$100,000	-	Learn More Add Review
Bank of Gibson City	1.16%	$10,000	-	Learn More Add Review
Fairview State Banking Company	1.16%	$2,500	-	Learn More Add Review
St. Louis Bank	1.15%	$100,000	-	Learn More Add Review
BankChampaign, National Association	1.15%	$500	-	Learn More Add Review
First State Bank of St. Peter	1.15%	$1,000	-	Learn More Add Review
The First National Bank of Brownstown	1.15%	$10,000	-	Learn More Add Review
Teutopolis State Bank	1.15%	$10,000	-	Learn More Add Review
Crossroads Bank	1.15%	$10,000	-	Learn More Add Review
West Town Bank & Trust	1.15%	$1,000	-	Learn More Add Review
First State Bank of Beecher City	1.11%	$10,000	-	Learn More Add Review
Midwest Bank	1.11%	$10,000	-	Learn More Add Review
Midland Community Bank	1.10%	$10,000	-	Learn More Add Review
Peoples National Bank of Kewanee	1.10%	$10,000	-	Learn More Add Review
State Bank of Cherry	1.10%	$1,000	-	Learn More Add Review
1st Community Bank	1.10%	$10,000	-	Learn More Add Review
Fidelity Bank & Trust	1.10%	$10,000	-	Learn More Add Review
Fortress Bank	1.10%	$50,000	-	Learn More Add Review
Williamsville State Bank & Trust	1.10%	$1,000	-	Learn More Add Review
Grand Rivers Community Bank	1.06%	$10,000	-	Learn More Add Review
Bank of Springfield	1.06%	$10,000	-	Learn More Add Review
BankOrion	1.06%	$100,000	-	Learn More Add Review
First National Bank of Steeleville	1.05%	$10,000	-	Learn More Add Review
St. Louis Bank	1.05%	$10,000	-	Learn More Add Review
Anna State Bank	1.05%	$1,000	-	Learn More Add Review
Beardstown Savings s.b.	1.05%	$10,000	-	Learn More Add Review
Shelby County State Bank	1.05%	$10,000	-	Learn More Add Review
United Community Bank	1.05%	$10,000	-	Learn More Add Review
The First National Bank of Ava	1.05%	$500	-	Learn More Add Review
Streator Home Savings Bank	1.01%	$10,000	-	Learn More Add Review
Casey State Bank	1.00%	$10,000	-	Learn More Add Review
Longview Bank	1.00%	$10,000	-	Learn More Add Review
Chester National Bank	1.00%	$10,000	-	Learn More
Felix \| Oct 10, 2023 I had a good experience with the online bank and the customer support is excellent Read More Reviews (1)
Mason City National Bank	1.00%	$100,000	-	Learn More Add Review
State Bank of Industry	1.00%	$10,000	-	Learn More Add Review
Bank of Calhoun County	1.00%	$10,000	-	Learn More Add Review
First State Bank	1.00%	$10,000	-	Learn More Add Review
Southern Bank	1.00%	$100,000	-	Learn More Add Review
Community State Bank of Rock Falls	1.00%	$1,000	-	Learn More
John & Sheryl OBrien \| Dec 5, 2020 You people did a very good job with our loan. You where very prompt in sending the overrun within a few days of the last payment ! Thank You ! Read More Reviews (1)
First Community Bank of Hillsboro	1.00%	$10,000	-	Learn More Add Review
Community National Bank in Monmouth	1.00%	$100,000	-	Learn More Add Review
North Adams State Bank	1.00%	$10,000	-	Learn More Add Review
Hometown National Bank	1.00%	$10,000	-	Learn More Add Review
Security Savings Bank	1.00%	$10,000	-	Learn More Add Review
Ipava State Bank	1.00%	$10,000	-	Learn More Add Review
The Hill-Dodge Banking Company	1.00%	$10,000	-	Learn More Add Review
Allied First Bank,sb	1.00%	$10,000	-	Learn More Add Review
Table Grove State Bank	1.00%	$10,000	-	Learn More Add Review
Peoples National Bank , N.A.	1.00%	$100,000	-	Learn More Add Review
Southern Illinois Bank	1.00%	$10,000	-	Learn More Add Review
Pan American Bank & Trust	1.00%	$10,000	-	Learn More Add Review
Fortress Bank	1.00%	$10,000	-	Learn More Add Review
Anchor State Bank	1.00%	$50,000	-	Learn More Add Review
Great Rivers Bank	1.00%	$5,000	-	Learn More Add Review
Exchange State Bank	1.00%	$1,000	-	Learn More Add Review
Bank of O'Fallon	1.00%	$10,000	-	Learn More Add Review
Citizens Community Bank	1.00%	$10,000	-	Learn More Add Review
Town Center Bank	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
The First National Bank of Ottawa	0.98%	$10,000	-	Learn More Add Review
Princeville State Bank	0.95%	$500	-	Learn More Add Review
The Gifford State Bank	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Sparta	0.95%	$10,000	-	Learn More Add Review
Citizens State Bank	0.95%	$500	-	Learn More Add Review
Milledgeville State Bank	0.95%	$100,000	-	Learn More Add Review
Sauk Valley Bank & Trust Company	0.95%	$10,000	-	Learn More Add Review
The Peoples State Bank of Newton, Illinois	0.95%	$10,000	-	Learn More Add Review
Farmers State Bank of Hoffman	0.95%	$10,000	-	Learn More Add Review
BankOrion	0.95%	$10,000	-	Learn More Add Review
Farmers State Bank of Western Illinois	0.95%	$10,000	-	Learn More Add Review
Middletown State Bank	0.95%	$10,000	-	Learn More Add Review
First FSB of Mascoutah	0.95%	$10,000	-	Learn More Add Review
The Old Exchange National Bank of Okawville	0.95%	$1,000	-	Learn More Add Review
Community National Bank in Monmouth	0.91%	$10,000	-	Learn More Add Review
Peoples National Bank , N.A.	0.91%	$10,000	-	Learn More Add Review
The First National Bank of Carmi	0.90%	$10,000	-	Learn More Add Review
First National Bank in Taylorville	0.90%	$10,000	-	Learn More Add Review
Community Partners Savings Bank	0.90%	$10,000	-	Learn More
JoAnna Toth \| Aug 31, 2021 Community Partners Savings Bank aka Marion County Savings are dishonest, incompetent, deceitful and they break the FCRA laws. They lie and trick you to get as much money as they can out of you, greedy for ... Read More Reviews (2)
First Mid Bank & Trust, National Association	0.90%	$1,000	-	Learn More Add Review
Southern Bank	0.90%	$10,000	-	Learn More Add Review
Murphy-Wall State Bank and Trust Company	0.90%	$10,000	-	Learn More Add Review
Raritan State Bank	0.90%	$10,000	-	Learn More Add Review
First National Bank in Olney	0.90%	$10,000	-	Learn More Add Review
First Secure Community Bank	0.90%	$10,000	-	Learn More Add Review
Bank & Trust Company	0.90%	$10,000	-	Learn More Add Review
The Bank of Herrin	0.90%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank of Hutsonville	0.90%	$10,000	-	Learn More Add Review
First State Bank of Campbell Hill	0.90%	$500	-	Learn More
No One Important \| Nov 12, 2022 This bank has changed from what it used to be some years ago. I used to have an account, got loans through them. Did all my banking through this establishment. They were a hometown proud financial insti... Read More Reviews (1)
Anchor State Bank	0.90%	$10,000	-	Learn More Add Review
Tompkins State Bank	0.90%	$1,000	-	Learn More Add Review
Bank of Belleville	0.90%	$10,000	-	Learn More Add Review
State Bank of Davis	0.90%	$10,000	-	Learn More Add Review
Heritage Bank of Schaumburg	0.90%	$10,000	-	Learn More Add Review
First Secure Bank and Trust Co.	0.90%	$10,000	-	Learn More Add Review
The State Bank of Pearl City	0.85%	$10,000	-	Learn More Add Review
Warren-Boynton State Bank	0.85%	$10,000	-	Learn More Add Review
Byron Bank	0.85%	$100,000	-	Learn More Add Review
Midland States Bank	0.85%	$10,000	-	Learn More
Mikki9678 \| Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More Reviews (2)
The First National Bank in Carlyle	0.85%	$1,000	-	Learn More Add Review
COMMUNITY FIRST BANK OF THE HEARTLAND	0.85%	$10,000	-	Learn More Add Review
State Bank of Toulon	0.85%	$10,000	-	Learn More Add Review
State Bank of Graymont	0.85%	$10,000	-	Learn More Add Review
State Bank	0.85%	$1,000	-	Learn More Add Review
American Community Bank & Trust	0.85%	$10,000	-	Learn More Add Review
State Bank of Whittington	0.85%	$10,000	-	Learn More Add Review
Farmers National Bank of Griggsville	0.85%	$10,000	-	Learn More Add Review
Bank of Rantoul	0.85%	$500	-	Learn More Add Review
Bank of Bluffs	0.80%	$10,000	-	Learn More Add Review
The Farmers State Bank and Trust Company	0.80%	$10,000	-	Learn More Add Review
The Fisher National Bank	0.80%	$10,000	-	Learn More Add Review
Buena Vista National Bank	0.80%	$10,000	-	Learn More Add Review
The First National Bank of Lacon	0.80%	$10,000	-	Learn More Add Review
Savanna-Thomson State Bank	0.80%	$10,000	-	Learn More
Guest \| Oct 13, 2022 Upon entering the Savanna Location, I 1st waited and waited and then was told it was gonna be a few minutes; Therefore when one's app once I got to deposit money they tried to tell me it was too late. To... Read More Reviews (3)
Community State Bank	0.80%	$10,000	-	Learn More Add Review
The Harvard State Bank	0.80%	$10,000	-	Learn More Add Review
Union Savings Bank	0.80%	$10,000	-	Learn More Add Review
West Central Bank	0.80%	$10,000	-	Learn More Add Review
HomeBank	0.80%	$10,000	-	Learn More Add Review
MidAmerica National Bank	0.80%	$10,000	-	Learn More Add Review
Grand Ridge National Bank	0.80%	$1,000	-	Learn More Add Review
First National Bank in Pinckneyville	0.80%	$500	-	Learn More Add Review
TrustBank	0.80%	$10,000	-	Learn More Add Review
Community Partners Savings Bank	0.80%	$10,000	-	Learn More
JoAnna Toth \| Aug 31, 2021 Community Partners Savings Bank aka Marion County Savings are dishonest, incompetent, deceitful and they break the FCRA laws. They lie and trick you to get as much money as they can out of you, greedy for ... Read More Reviews (2)
Peoples Bank of Kankakee County	0.80%	$50,000	-	Learn More
Allen Orwig Orwigal@aol,com \| Aug 13, 2020 Was wondering if you cash savings bonds........thx Read More Reviews (1)
First Community Bank and Trust	0.76%	$100,000	-	Learn More Add Review
Petefish, Skiles & Co.	0.75%	$10,000	-	Learn More Add Review
First State Bank Shannon-Polo	0.75%	$10,000	-	Learn More Add Review
North Central Bank	0.75%	$10,000	-	Learn More Add Review
The State Bank of Geneva	0.75%	$10,000	-	Learn More Add Review
Alliance Community Bank	0.75%	$10,000	-	Learn More Add Review
Clay County State Bank	0.75%	$10,000	-	Learn More Add Review
The Anna -Jonesboro National Bank	0.75%	$100,000	-	Learn More Add Review
Farmers State Bank of Alto Pass, Ill.	0.75%	$10,000	-	Learn More Add Review
Farmers State Bank & Trust Co.	0.75%	$10,000	-	Learn More Add Review
National Bank of St. Anne	0.75%	$10,000	-	Learn More Add Review
State Bank of Herscher	0.75%	$10,000	-	Learn More Add Review
American Bank and Trust Company, National Association	0.75%	$10,000	-	Learn More Add Review
Union Federal Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
Community Bank of Trenton	0.75%	$10,000	-	Learn More Add Review
Mason City National Bank	0.75%	$10,000	-	Learn More Add Review
Republic Bank of Chicago	0.75%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 0.75%
Byron Bank	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Okawville	0.75%	$10,000	-	Learn More Add Review
The Granville National Bank	0.75%	$1,000	-	Learn More Add Review
Citizens National Bank of Albion	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Allendale	0.75%	$10,000	-	Learn More Add Review
First Community Bank, Xenia-Flora	0.75%	$10,000	-	Learn More Add Review
First Savings Bank of Hegewisch	0.75%	$10,000	-	Learn More Add Review
Flora Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Blackhawk Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Milledgeville State Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Beardstown	0.70%	$10,000	-	Learn More Add Review
Holcomb Bank	0.70%	$100,000	-	Learn More Add Review
The Bradford National Bank of Greenville	0.70%	$10,000	-	Learn More Add Review
The Anna -Jonesboro National Bank	0.70%	$10,000	-	Learn More Add Review
Prairie State Bank and Trust	0.70%	$10,000	-	Learn More Add Review
The City National Bank of Metropolis	0.70%	$10,000	-	Learn More Add Review
Ottawa Savings Bank	0.70%	$10,000	-	Learn More Add Review
First Southern Bank	0.70%	$10,000	-	Learn More Add Review
Citizens Bank of Chatsworth	0.70%	$10,000	-	Learn More Add Review
Cornerstone National Bank & Trust Company	0.70%	$100,000	-	Learn More Add Review
Community Bank of Elmhurst	0.70%	$10,000	-	Learn More Add Review
Prospect Bank	0.70%	$100,000	-	Learn More Add Review
First Community Bank and Trust	0.68%	$10,000	-	Learn More Add Review
Lake Forest Bank & Trust Company, National Association	0.67%	$100,000	-	Learn More Add Review
The First Community Bank of Moultrie County	0.65%	$500	-	Learn More Add Review
Northwest Bank of Rockford	0.65%	$100,000	-	Learn More Add Review
North Shore Trust and Savings	0.65%	$10,000	-	Learn More Add Review
St. Charles Bank & Trust Company, National Association	0.65%	$10,000	-	Learn More Add Review
Cornerstone National Bank & Trust Company	0.65%	$10,000	-	Learn More Add Review
Resource Bank, National Association	0.61%	$100,000	-	Learn More Add Review
CBI Bank & Trust	0.60%	$10,000	-	Learn More Add Review
Iroquois Federal Savings and Loan Association	0.60%	$10,000	-	Learn More Add Review
Forest Park National Bank and Trust Company	0.60%	$100,000	-	Learn More Add Review
Prospect Bank	0.60%	$10,000	-	Learn More Add Review
Farmers State Bank	0.60%	$10,000	-	Learn More Add Review
Stillman BancCorp N.A.	0.60%	$10,000	-	Learn More Add Review
McHenry Savings Bank	0.60%	$10,000	-	Learn More Add Review
Northwest Bank of Rockford	0.60%	$10,000	-	Learn More Add Review
Forreston State Bank	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Federated Bank	0.60%	$10,000	-	Learn More Add Review
First Trust Bank of Illinois	0.60%	$10,000	-	Learn More Add Review
Bank of Farmington	0.60%	$10,000	-	Learn More Add Review
Frederick Community Bank, The	0.60%	$1,000	-	Learn More Add Review
Hanmi Bank	0.60%	$100,000	-	Learn More Add Review
Peoples Bank of Kankakee County	0.60%	$5,000	-	Learn More
Allen Orwig Orwigal@aol,com \| Aug 13, 2020 Was wondering if you cash savings bonds........thx Read More Reviews (1)
Peru Federal Savings Bank	0.60%	$1	-	Learn More
larrygibson \| Oct 28, 2017 Le agradezco a la Sra. Clara por hacerme confiar nuevamente. Mi propia Historia comenzó en 2010 cuando estaba buscando cómo conseguir un sueño en Sudáfrica y gasté todo el dinero que tenía e incluso ... Read More Reviews (1)
Citizens State Bank of Milford	0.60%	$100,000	-	Learn More Add Review
Old Plank Trail Community Bank, National Association	0.60%	$10,000	-	Learn More Add Review
United Trust Bank	0.60%	$10,000	-	Learn More Add Review
First Eagle Bank	0.60%	$2,500	-	Learn More Add Review
Beverly Bank & Trust Company, National Association	0.60%	$10,000	-	Learn More Add Review
Marseilles Bank	0.55%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.55%	$100,000	-	Learn More Add Review
State Bank of Nauvoo	0.55%	$25,000	-	Learn More Add Review
Citizens State Bank of Milford	0.55%	$10,000	-	Learn More Add Review
Hanmi Bank	0.55%	$10,000	-	Learn More Add Review
First American Bank	0.55%	$10,000	-	Learn More Add Review
The Farmers and Merchants National Bank of Nashville	0.55%	$10,000	-	Learn More Add Review
Northbrook Bank and Trust Company, National Association	0.55%	$100,000	-	Learn More Add Review
Providence Bank & Trust	0.51%	$10,000	-	Learn More Add Review
Resource Bank, National Association	0.51%	$10,000	-	Learn More Add Review
Quad City Bank and Trust Company	0.50%	$10,000	-	Learn More Add Review
Prospect Bank	0.50%	$10,000	-	Learn More Add Review
Goodfield State Bank	0.50%	$10,000	-	Learn More
mjohnson \| Nov 18, 2019 sweet thanks Read More Reviews (1)
Community Bank	0.50%	$10,000	-	Learn More Add Review
Collinsville Building and Loan Association	0.50%	$10,000	-	Learn More Add Review
First Security Bank	0.50%	$10,000	-	Learn More Add Review
Home State Bank, National Association	0.50%	$10,000	-	Learn More Add Review
German-American State Bank	0.50%	$100,000	-	Learn More Add Review
Sterling Federal Bank, F.S.B.	0.50%	$10,000	-	Learn More Add Review
The First State Bank of Dongola	0.50%	$10,000	-	Learn More Add Review
Lake Forest Bank & Trust Company, National Association	0.50%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.50%	$10,000	-	Learn More Add Review
BankFinancial, National Association	0.50%	$10,000	-	Learn More Add Review
Forest Park National Bank and Trust Company	0.50%	$1,000	-	Learn More Add Review
CIBC Bank USA	0.50%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Crystal Lake Bank and Trust Company, National Association	0.50%	$100,000	-	Learn More Add Review
Northbrook Bank and Trust Company, National Association	0.50%	$10,000	-	Learn More Add Review
Rushville State Bank	0.50%	$10,000	-	Learn More
disgustedcustomer \| Aug 30, 2019 I witnessed an appallingly racist exchange at the window this morning, and the teller had just been perfectly polite to me. On top of the rudeness I've come to expect from a couple of their tellers, this p... Read More Reviews (1)
Lena State Bank	0.50%	$10,000	-	Learn More Add Review
Wintrust Bank, National Association	0.50%	$100,000	-	Learn More
business owner \| Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More Reviews (1)
Belmont Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Hickory Point Bank and Trust	0.45%	$10,000	-	Learn More Add Review
Carrollton Bank	0.45%	$10,000	-	Learn More Add Review
Stillman BancCorp N.A.	0.45%	$100,000	-	Learn More Add Review
Holcomb Bank	0.45%	$10,000	-	Learn More Add Review
Crystal Lake Bank and Trust Company, National Association	0.45%	$10,000	-	Learn More Add Review
State Bank of Nauvoo	0.45%	$10,000	-	Learn More Add Review
Municipal Trust and Savings Bank	0.45%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank of Bushnell	0.45%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.45%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Parkway Bank and Trust Company	0.45%	$10,000	-	Learn More
Ed \| Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More Reviews (1)
Peoples Bank & Trust	0.45%	$1,000	-	Learn More Add Review
First Bank	0.45%	$1,000	-	Learn More Add Review
Wintrust Bank, National Association	0.45%	$10,000	-	Learn More
business owner \| Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More Reviews (1)
First State Bank of Forrest	0.40%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.40%	$10,000	-	Learn More Add Review
Barrington Bank & Trust Company, National Association	0.40%	$10,000	-	Learn More Add Review
Union National Bank and Trust Company of Elgin	0.40%	$10,000	-	Learn More Add Review
Du Quoin State Bank	0.40%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Champaign Urbana	0.40%	$1,000	-	Learn More Add Review
Cathay Bank	0.40%	$50,000	-	Learn More Add Review
Hinsdale Bank & Trust Company, National Association	0.40%	$10,000	-	Learn More Add Review
FIRST NATIONAL BANK OF NOKOMIS	0.40%	$10,000	-	Learn More Add Review
Central Federal Savings and Loan Association	0.40%	$500	-	Learn More Add Review
The First Trust and Savings Bank of Watseka, Illinois	0.40%	$1,000	-	Learn More Add Review
Algonquin State Bank	0.40%	$100,000	-	Learn More Add Review
The First National Bank and Trust Company	0.40%	$1,000	-	Learn More Add Review
Legence Bank	0.40%	$500	-	Learn More Add Review
First National Bank of Brookfield	0.40%	$10,000	-	Learn More Add Review
FNBC Bank & Trust	0.36%	$10,000	-	Learn More Add Review
Old National Bank	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
CIBM Bank	0.35%	$10,000	-	Learn More
theee \| Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More Reviews (1)
Barrington Bank & Trust Company, National Association	0.35%	$100,000	-	Learn More Add Review
First Merchants Bank	0.35%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Wheaton Bank & Trust, National Association	0.35%	$10,000	-	Learn More Add Review
Schaumburg Bank & Trust Company, National Association	0.35%	$10,000	-	Learn More Add Review
The Lemont National Bank	0.35%	$10,000	-	Learn More Add Review
First Financial Bank	0.30%	$10,000	-	Learn More Add Review
North Shore Bank, FSB	0.30%	$10,000	-	Learn More Add Review
Algonquin State Bank	0.30%	$10,000	-	Learn More Add Review
CenTrust Bank, National Association	0.30%	$10,000	-	Learn More
RobertJ \| May 10, 2022 Centrust Bank is excellent to do business with. Friendly and experienced bankers. Read More Reviews (1)
Northside Community Bank	0.30%	$1,000	-	Learn More Add Review
Libertyville Bank & Trust Company, National Association	0.30%	$10,000	-	Learn More Add Review
First Merchants Bank	0.30%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Marquette Bank	0.30%	$10,000	-	Learn More Add Review
Amalgamated Bank of Chicago	0.29%	$1,000	-	Learn More Add Review
First Farmers Bank & Trust Co.	0.25%	$100,000	-	Learn More Add Review
Commerce Bank	0.25%	$10,000	-	Learn More Add Review
German-American State Bank	0.25%	$10,000	-	Learn More Add Review
Village Bank and Trust, National Association	0.25%	$10,000	-	Learn More Add Review
Banterra Bank	0.20%	$10,000	-	Learn More Add Review
State Bank	0.20%	$10,000	-	Learn More
Retired \| Feb 16, 2021 No longer offered even though it’s shown here Read More Reviews (1)
Liberty Bank for Savings	0.20%	$10,000	-	Learn More
Doug \| Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More Reviews (1)
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First Farmers Bank & Trust Co.	0.10%	$10,000	-	Learn More Add Review
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
The Bank of Bourbonnais	0.05%	$10,000	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
Associated Bank, National Association	0.01%	$10,000	-	Learn More Add Review
First National Bank of Pana	0.00%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Illinois CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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