Busey Bank CD Rates — October 2026
As of October 22, 2026, Busey Bank's highest tracked CD rate is 4.20% APY on a 13-month relationship CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Busey Bank CD rates
7- and 13-month promotional CDs only, with a $1,000 minimum. Higher relationship APYs require the primary or joint CD owner to own an eligible Busey checking account kept open with a positive balance. Commercial, public and brokered accounts are excluded.
| Term | Product | APY |
|---|---|---|
| 7 months | 7 Month CD w/checking Relationship | 4.00%Verified October 22, 2026 |
| 7 months | 7 Month CD Promotional | 3.80%Verified October 22, 2026 |
| 13 months | 13 Month CD w/checking Relationship | 4.20%Verified October 22, 2026 |
| 13 months | 13 Month CD Promotional | 4.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Busey Bank's best CD rates by term?
Busey Bank's best rate is 4.20% APY on 13 months, verified October 22, 2026.
- 7 mo4.00%
- 13 mo4.20%
How much interest could a Busey Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 13 months | $227.654.20% APY · 13 Month CD w/checking · Relationship | $455.304.20% APY · 13 Month CD w/checking · Relationship | $1,138.244.20% APY · 13 Month CD w/checking · Relationship | $2,276.484.20% APY · 13 Month CD w/checking · Relationship |
How Busey Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 12 of 34 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Busey Bank (this institution)13 Month CD w/checking · Relationship | 13 months | $1,000 | Coverage: AZ, CO, FL, IL, IN, KS, MO, NM, OK, TX | 4.20% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Consumers Credit UnionSuper Jumbo Certificate · Promotional | 13 months | $250,000 | Coverage: IL | 4.45% | October 22, 2026 |
| Genisys Credit Union (highest tracked APY for this term)Certificate Special · Promotional | 13 months | $500 | Coverage: MI, MN | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Busey Bank on October 22, 2026.
About Busey Bank
- Legal name
- Busey Bank
- Regulator ID
- FDIC 16450
- Headquarters
- Champaign, IL
- Available in
- AZ, CO, FL, IL, IN, KS, MO, NM, OK, TX
- Total assets
- $18.2 billion
- Also known as
- Website
- www.busey.com
Source: rates read from https://www.busey.com/personal/products-and-services/current-cd-rate-specials. See the page text we read.
Frequently asked questions
What is the highest CD rate at Busey Bank?
Among the rates we track, 4.20% APY on a 13-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Busey Bank CD?
The lowest minimum we found is $1,000.
How does Busey Bank's best CD rate compare with Treasury yields?
4.20% APY is −0.40% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Busey Bank CDs insured?
Busey Bank is an FDIC-insured bank (FDIC 16450). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Busey Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Busey Bank's website and may change at any time. Confirm terms, minimums and eligibility with Busey Bank before opening an account. This page is not financial advice.