Open a CD

Grow Your Savings with the Security of a Certificate of Deposit

CDs earn a fixed rate of interest for a specific period of time and Eureka offers multiple terms to choose from. Whether you choose a few months or a few years, you can start saving for events like educational expenses, a wedding, down payment on a new home, or the dream vacation you’ve always wanted. If you don’t need to access your funds right away, a CD is a simple way to save and earn interest.

Details

If you want a secure way to save, our CDs offer:

  • Earn a higher rate of interest.
  • Interest compounds daily.
  • Use your interest your way! Receive an interest check or reinvest it.
  • Online banking access is available to check on your earnings any time!
  • A $1,000.00 minimum balance is needed to open a certificate.
  • Funds are subject to a penalty for early withdrawal. 
With a CD from Eureka Savings Bank, you can set your savings strategy and save for life’s special moments. Talk to one of our experts today.

Call To Open a CD

Please call any of our bank locations to learn how to open a CD:

LaSalle - 815-223-0700

Mendota - 815-539-5656

Oglesby - 815-883-3354

Peru - 815-223-9400

Wenona - 815-853-4333

CD & IRA Rates

Rates effective as of 10/6/2026

Certificates of Deposit

Term Interest Rate APY* National Avg
3 Month 3.10% 3.15%
6 Month 3.20% 3.25%
12 Month 3.40% 3.46%
18 Month 3.50% 3.56%
24 Month 3.60% 3.67%
30 Month 3.70% 3.77%
36 Month 3.80% 3.87%
48 Month 3.90% 3.98%
60 Month 4.00% 4.08%

APY= Annual Percentage Yield.

Minimum $1,000 deposit required to open a Certificate of Deposit (CD). IRA CDs are not available in a 3-month term. A penalty may be imposed for early withdrawal on a CD, and fees may reduce earnings. See Universal Banker for more information. All rates are subject to change at any time.