Insured - Backed by the full faith and credit of the U.S. Government C I C E R O · B E R W Y N · L A G R A N G E P A R K
Rates are effective as of February 10, 2026
Rates may change without notice.
| Type of Account | Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield | |
|---|---|---|---|---|---|
| 59 Month CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | 2.86% | 2.90% | |
| 47 Month CD | $2,500 | $2,500 | 2.86% | 2.90% | |
| 37 Month CD | $2,500 | $2,500 | 2.86% | 2.90% | |
| 25 Month CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | 2.86% | 2.90% | |
| 19 Month CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | 2.86% | 2.90% | |
| 13 Month CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | 3.20% | 3.25% | |
| 7 Month CD | $2,500 | $2,500 | 3.20% | 3.25% | |
4 Month CD * (New Money Special) | $2,500 | $2,500 | 3.92% | 4.00% | |
| * Funds to open account must be new money, defined as money not currently held at Central Federal. Funds cannot be transferred from or a check drawn from a Central Federal account to fund the account. The stated APYs and interest rates are subject to change at any time. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal from a certificate of deposit or individual retirement account. | |||||
***SEE A PERSONAL BANKER FOR RELATIONSHIP PRICING*** | |||||
IRA SPECIAL | |||||
| 12 Month CD Special - IRA | $2,500 | $2,500 | 3.20% | 3.25% | |
| 12 Month CD Special - IRA Rollover | $50,000 | $50,000 | 3.20% | 3.25% | |
| Type of Account | Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Type of Account: 5 Year CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.15% | Annual Percentage Yield: 0.15% |
| Type of Account: 4 Year CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.15% | Annual Percentage Yield: 0.15% |
| Type of Account: 3 Year CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.15% | Annual Percentage Yield: 0.15% |
| Type of Account: 30 Month CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.15% | Annual Percentage Yield: 0.15% |
| Type of Account: 24 Month CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.15% | Annual Percentage Yield: 0.15% |
| Type of Account: 18 Month CD | Minimun Deposit to Open Account:$500 | Minimum Balance to Earn APY: $500 | Interest Rate:0.10% | Annual Percentage Yield: 0.10% |
| Type of Account: 12 Month CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | Interest Rate:0.05% | Annual Percentage Yield: 0.05% |
| Type of Account: 182 Day CD | Minimun Deposit to Open Account:$2,500 | Minimum Balance to Earn APY: $2,500 | Interest Rate:0.04% | Annual Percentage Yield: 0.04% |
| 91 Day CD | $2,500 | $2,500 | 0.03% | 0.03% |
| 31 Day CD | $2,500 | $2,500 | 0.02% | 0.02% |
*Daily balance is the amount of principal in the account each day. Withdrawals may reduce APY on accounts. Penalties for early withdrawals may be imposed. Rates subject to change.
| Type of Account | Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 5 Year CD | $10,000 | $10,000 | 0.14% | 0.14% |
| 4 Year CD | $10,000 | $10,000 | 0.14% | 0.14% |
| 3 Year CD | $10,000 | $10,000 | 0.14% | 0.14% |
| 30 Month CD | $10,000 | $10,000 | 0.14% | 0.14% |
| 24 Month CD | $10,000 | $10,000 | 0.14% | 0.14% |
| 18 Month CD | $10,000 | $10,000 | 0.09% | 0.09% |
| 12 Month CD | $10,000 | $10,000 | 0.04% | 0.04% |
| Type of Account | Minimum Deposit to Open Account | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Passbook Savings | $100 | $20,000 or More | 0.05% | 0.05% |
| $1,000 or More | 0.03% | 0.03% | ||
| Under $1,000 | 0.01% | 0.01% | ||
| Statement Savings | Same as Passbook Savings Account | |||
| Christmas Club / Kid Saver | $10 | $0 | Same as Passbook Savings Account | |
5953 W. Cermak Road
Cicero, IL 60804
708-656-5000
6940 W. Ogden Avenue
Berwyn, IL 60402
708-222-2300
1921 E. 31st Street
La Grange Park, IL 60526
708-469-3250
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