Source: https://www.wintrustbank.com/lp/2023/cdrates.html
Read: 2026-10-22T04:56:10.000Z

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Take Advantage Of Competitive CD Rates1
$1,000 to open. New money only.2
Choose from a range of CD terms designed to fit your goals and earn a competitive annual percentage yield (APY).
11-Month
13-Month
17-Month
23-Month
26-Month
33-Month
4.00%
APY CD SPECIAL1
OPEN AN ACCOUNT
How To Open An Account
Start earning more on your savings in just three easy steps!
With our convenient online account opening process, you’re just moments away from experiencing the personal attention you can only expect from a local community bank.
1
Choose Your Location
Find a bank branch near you.
2
Enter Your Information
Enter your personal account details.
3
Transfer Funds
Select a rate and deposit amount.
OPEN AN ACCOUNT
Select your term during the application process.
Why Open A CD With Wintrust Community Banks?
By opening a CD with us, your money stays and grows in your community, and you can have peace of mind knowing that your funds are in safe hands. We adhere to strict regulatory standards and are dedicated to providing a secure and stable banking environment for your savings to grow.
Great Rate
We’ve built CD accounts with great rates that will support you now and in the future.
Safe And Secure
If you require additional FDIC coverage,3 click here to learn about our MaxSafe® products.
Short-Term Flexibility
Shorter terms offer the perfect balance between maximum return and accessibility.
Current CD Rates
TERM | APY1
11-MONTH | 3.90%
13-MONTH | 4.00%
17-MONTH | 3.50%
23-MONTH | 3.35%
26-MONTH | 3.35%
33-MONTH | 3.35%
OPEN AN ACCOUNT
Select your term during the application process.
At maturity, CD Specials automatically renew into a CD with a different term at our standard interest rate and APY in effect on the maturity date, as stated in your Truth in Savings disclosure provided at account opening. Renewals are not subject to a promotional special rate, unless the bank has notified you otherwise.
1. CD Specials. Annual Percentage Yields ('APYs') accurate as of 9/24/26 & assume funds remain on deposit until maturity. At maturity, CD Specials automatically renew into a CD with a different term at our standard interest rate and APY in effect on the maturity date, as stated in your Truth in Savings disclosure provided at account opening. Renewals are not subject to a promotional special rate, unless the bank has notified you otherwise. Minimum daily balance of $0.01 required to obtain APY. Early withdrawal penalties apply. Offers subject to change at any time & without notice.
2. New Money. Money not currently held at any Wintrust Financial Corporation location.
3. FDIC Insurance. Based on current FDIC deposit insurance coverage rules – see fdic.gov/resources/deposit-insurance/understanding-deposit-insurance/.
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