Bank · FDIC insured
1st Source Bank CD Rates
1st Source Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 1 month to 6 years. Rates checked October 15, 2026.
How 1st Source Bank’s CD rates compare
Compared with banks and credit unions near South Bend, IN-MI, where 1st Source Bank has the most branches. $10,000, best rate first.
This bank’s best
1st Source Bank
4.00%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $502
Certificates of Deposit
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
1st Source Bank CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.37%
- 31–60 months31–60 mo0.65%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Source Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 13 terms
Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 months | 0.06% | $0 |
| 1 month | 0.07% | $1 |
| 3 months | 0.08% | $2 |
| 6 months | 0.10% | $5 |
| 8 monthsSpecial rate; limited time only, rate subject to change | 3.85% | $255 |
| 12 months | 0.30% | $30 |
| 15 monthsSpecial rate; limited time only, rate subject to change | 4.00% | $502 |
| 18 months | 0.30% | $45 |
| 24 months | 0.37% | $74 |
| 36 months | 0.50% | $151 |
| 48 months | 0.55% | $222 |
| 60 months | 0.65% | $329 |
| 72 months | 0.65% | $396 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA-CD
Up to 4.00%APY · 13 terms
Additional paperwork is required to open an IRA-CD. Balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsAdditional paperwork is required to open an IRA-CD | 0.06% | $0 |
| 1 monthAdditional paperwork is required to open an IRA-CD | 0.07% | $1 |
| 3 monthsAdditional paperwork is required to open an IRA-CD | 0.08% | $2 |
| 6 monthsAdditional paperwork is required to open an IRA-CD | 0.10% | $5 |
| 8 monthsSpecial rate; limited time only, rate subject to change. Additional paperwork is required to open an IRA-CD | 3.85% | $255 |
| 12 monthsAdditional paperwork is required to open an IRA-CD | 0.30% | $30 |
| 15 monthsSpecial rate; limited time only, rate subject to change. Additional paperwork is required to open an IRA-CD | 4.00% | $502 |
| 18 monthsAdditional paperwork is required to open an IRA-CD | 0.30% | $45 |
| 24 monthsAdditional paperwork is required to open an IRA-CD | 0.37% | $74 |
| 36 monthsAdditional paperwork is required to open an IRA-CD | 0.50% | $151 |
| 48 monthsAdditional paperwork is required to open an IRA-CD | 0.55% | $222 |
| 60 monthsAdditional paperwork is required to open an IRA-CD | 0.65% | $329 |
| 72 monthsAdditional paperwork is required to open an IRA-CD | 0.65% | $396 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.