Peoples National Bank (Illinois) CD Rates — October 2026
As of October 22, 2026, Peoples National Bank (Illinois)'s highest tracked CD rate is 3.45% APY on a 12-month promotional CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.37% to 2.24% APY.
Tracking began .
Peoples National Bank (Illinois) CD rates
CDs from 1 to 60 months with a $500 minimum, including specials, Trade-Up CDs (one rate change) and a 10-month 3 in 1 CD tiered by balance. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 1 month | Certificate of Deposit | $100,000 | 1.43% | −2.70% | Verified October 22, 2026 |
| 1 month | Certificate of Deposit | $10,000 | 1.38% | −2.75% | Verified October 22, 2026 |
| 1 month | Certificate of Deposit | $500 | 1.37% | −2.76% | Verified October 22, 2026 |
| 3 months | Certificate of Deposit | $100,000 | 1.45% | −2.84% | Top 73% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Certificate of Deposit | $10,000 | 1.44% | −2.85% | Top 73% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Certificate of Deposit | $500 | 1.37% | −2.92% | Top 73% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | CD Special Promotional | $500 | 2.95% | −1.45% | Top 69% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $100,000 | 1.52% | −2.88% | Top 85% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $10,000 | 1.48% | −2.92% | Top 86% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $500 | 1.43% | −2.97% | Top 86% of tracked 6-month CDs · Verified October 22, 2026 |
| 10 months | CD Special - 3 in 1 Promotional | $25,000 | 1.52% | −2.99% | Verified October 22, 2026 |
| 10 months | CD Special - 3 in 1 Promotional | $10,000 | 1.47% | −3.04% | Verified October 22, 2026 |
| 10 months | CD Special - 3 in 1 Promotional | $500 | 1.42% | −3.09% | Verified October 22, 2026 |
| 12 months | CD Special Promotional | $500 | 3.45% | −1.12% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $100,000 | 1.52% | −3.05% | Top 85% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $10,000 | 1.49% | −3.08% | Top 88% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 1.45% | −3.12% | Top 88% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $100,000 | 1.54% | −3.18% | Top 87% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $10,000 | 1.49% | −3.23% | Top 89% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 1.47% | −3.25% | Top 89% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $100,000 | 1.68% | −3.19% | Top 84% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $10,000 | 1.58% | −3.29% | Top 85% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 1.50% | −3.37% | Top 86% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $100,000 | 1.84% | −3.11% | Top 80% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $10,000 | 1.74% | −3.21% | Top 81% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 1.62% | −3.33% | Top 82% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | CD Special - Trade-Up Promotional | $500 | 1.52% | −3.43% | Top 83% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $100,000 | 2.05% | −2.93% | Top 74% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $10,000 | 1.95% | −3.03% | Top 78% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 1.76% | −3.22% | Top 81% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | CD Special - Trade-Up Promotional | $500 | 1.62% | −3.36% | Top 82% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $100,000 | 2.24% | −2.77% | Top 74% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $10,000 | 2.15% | −2.86% | Top 75% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 1.91% | −3.10% | Top 81% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | CD Special - Trade-Up Promotional | $500 | 1.72% | −3.29% | Top 83% of tracked 60-month CDs · 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.
Watch the renewal rate
The best promotional rate here is 3.45% APY (12 months). The standard rate for a similar term is 1.52% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $193 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Peoples National Bank (Illinois)'s best CD rates by term?
Peoples National Bank (Illinois)'s best rate is 3.45% APY on 12 months, verified October 22, 2026.
- 1 mo1.43%
- 3 mo1.45%
- 6 mo2.95%
- 10 mo1.52%
- 12 mo3.45%
- 18 mo1.54%
- 24 mo1.68%
- 36 mo1.84%
- 48 mo2.05%
- 60 mo2.24%
How much interest could a Peoples National Bank (Illinois) 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.
$345.00 interest · $10,345.00 at maturity on $10,000.00.
3.45% APY · 12 months · CD Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 1 month | $5.601.37% APY · Certificate of Deposit · Standard | $11.271.38% APY · Certificate of Deposit · Standard | $28.181.38% APY · Certificate of Deposit · Standard | $56.361.38% APY · Certificate of Deposit · Standard |
| 3 months | $16.991.37% APY · Certificate of Deposit · Standard | $35.711.44% APY · Certificate of Deposit · Standard | $89.271.44% APY · Certificate of Deposit · Standard | $178.541.44% APY · Certificate of Deposit · Standard |
| 6 months | $73.422.95% APY · CD Special · Promotional | $146.832.95% APY · CD Special · Promotional | $367.082.95% APY · CD Special · Promotional | $734.162.95% APY · CD Special · Promotional |
| 10 months | $59.061.42% APY · CD Special - 3 in 1 · Promotional | $122.281.47% APY · CD Special - 3 in 1 · Promotional | $316.091.52% APY · CD Special - 3 in 1 · Promotional | $632.191.52% APY · CD Special - 3 in 1 · Promotional |
| 12 months | $172.503.45% APY · CD Special · Promotional | $345.003.45% APY · CD Special · Promotional | $862.503.45% APY · CD Special · Promotional | $1,725.003.45% APY · CD Special · Promotional |
| 18 months | $110.761.47% APY · Certificate of Deposit · Standard | $224.541.49% APY · Certificate of Deposit · Standard | $561.341.49% APY · Certificate of Deposit · Standard | $1,122.691.49% APY · Certificate of Deposit · Standard |
| 24 months | $151.121.50% APY · Certificate of Deposit · Standard | $318.501.58% APY · Certificate of Deposit · Standard | $796.241.58% APY · Certificate of Deposit · Standard | $1,592.481.58% APY · Certificate of Deposit · Standard |
| 36 months | $246.961.62% APY · Certificate of Deposit · Standard | $531.141.74% APY · Certificate of Deposit · Standard | $1,327.841.74% APY · Certificate of Deposit · Standard | $2,655.681.74% APY · Certificate of Deposit · Standard |
| 48 months | $361.401.76% APY · Certificate of Deposit · Standard | $803.111.95% APY · Certificate of Deposit · Standard | $2,007.781.95% APY · Certificate of Deposit · Standard | $4,015.571.95% APY · Certificate of Deposit · Standard |
| 60 months | $496.091.91% APY · Certificate of Deposit · Standard | $1,122.232.15% APY · Certificate of Deposit · Standard | $2,805.572.15% APY · Certificate of Deposit · Standard | $5,611.152.15% APY · Certificate of Deposit · Standard |
How Peoples National Bank (Illinois) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 245 of 413 tracked institutions with fresh 365-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Peoples National Bank (Illinois) (this institution)CD Special · Promotional | 12 months | $500 | Branches in IL, MO | 3.45% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Peoples National Bank (Illinois) on October 22, 2026.
About Peoples National Bank (Illinois)
- Legal name
- Peoples National Bank, N.A.
- Regulator ID
- FDIC 3809
- Headquarters
- Mount Vernon, IL
- Available in
- IL, MO
- Total assets
- $2.1 billion
- Also known as
- Peoples National Bank
- Website
- www.peoplesnationalbank.com
Source: rates read from https://www.peoplesnationalbank.com/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Peoples National Bank (Illinois)?
Among the rates we track, 3.45% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Peoples National Bank (Illinois) CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Peoples National Bank (Illinois)'s best CD rate compare with Treasury yields?
3.45% APY is −1.12% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.45% a good CD rate?
It is 2.0 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 Peoples National Bank (Illinois) CDs insured?
Peoples National Bank (Illinois) is an FDIC-insured bank (FDIC 3809). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Peoples National Bank (Illinois)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Peoples National Bank (Illinois)'s website and may change at any time. Confirm terms, minimums and eligibility with Peoples National Bank (Illinois) before opening an account. This page is not financial advice.