# Peoples National Bank (Illinois) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/peoples-national-bank-illinois
Institution: Peoples National Bank, N.A. (FDIC 3809)
Aliases: Peoples National Bank
Status: live
Last verified: 2026-10-23T03:02:23.000Z (October 22, 2026)
Official source: https://www.peoplesnationalbank.com/rates.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 1 month | $100,000 | 1.43% | Not ZIP-priced | −2.70% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 1 month | $10,000 | 1.38% | Not ZIP-priced | −2.75% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 1 month | $500 | 1.37% | Not ZIP-priced | −2.76% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 3 months | $100,000 | 1.45% | Not ZIP-priced | −2.84% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 3 months | $10,000 | 1.44% | Not ZIP-priced | −2.85% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 3 months | $500 | 1.37% | Not ZIP-priced | −2.92% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special | promotional | 6 months | $500 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 6 months | $100,000 | 1.52% | Not ZIP-priced | −2.88% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 6 months | $10,000 | 1.48% | Not ZIP-priced | −2.92% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 6 months | $500 | 1.43% | Not ZIP-priced | −2.97% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - 3 in 1 | promotional | 10 months | $25,000 | 1.52% | Not ZIP-priced | −2.99% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - 3 in 1 | promotional | 10 months | $10,000 | 1.47% | Not ZIP-priced | −3.04% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - 3 in 1 | promotional | 10 months | $500 | 1.42% | Not ZIP-priced | −3.09% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special | promotional | 12 months | $500 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 12 months | $100,000 | 1.52% | Not ZIP-priced | −3.05% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 12 months | $10,000 | 1.49% | Not ZIP-priced | −3.08% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 12 months | $500 | 1.45% | Not ZIP-priced | −3.12% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 18 months | $100,000 | 1.54% | Not ZIP-priced | −3.18% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 18 months | $10,000 | 1.49% | Not ZIP-priced | −3.23% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 18 months | $500 | 1.47% | Not ZIP-priced | −3.25% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 24 months | $100,000 | 1.68% | Not ZIP-priced | −3.19% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 24 months | $10,000 | 1.58% | Not ZIP-priced | −3.29% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 24 months | $500 | 1.50% | Not ZIP-priced | −3.37% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 36 months | $100,000 | 1.84% | Not ZIP-priced | −3.11% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 36 months | $10,000 | 1.74% | Not ZIP-priced | −3.21% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 36 months | $500 | 1.62% | Not ZIP-priced | −3.33% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - Trade-Up | promotional | 36 months | $500 | 1.52% | Not ZIP-priced | −3.43% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 48 months | $100,000 | 2.05% | Not ZIP-priced | −2.93% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 48 months | $10,000 | 1.95% | Not ZIP-priced | −3.03% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 48 months | $500 | 1.76% | Not ZIP-priced | −3.22% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - Trade-Up | promotional | 48 months | $500 | 1.62% | Not ZIP-priced | −3.36% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 60 months | $100,000 | 2.24% | Not ZIP-priced | −2.77% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 60 months | $10,000 | 2.15% | Not ZIP-priced | −2.86% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| Certificate of Deposit | standard | 60 months | $500 | 1.91% | Not ZIP-priced | −3.10% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |
| CD Special - Trade-Up | promotional | 60 months | $500 | 1.72% | Not ZIP-priced | −3.29% | 2026-10-23T03:02:23.000Z | [Snapshot 927](https://apyledger.com/snapshots/927) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.