Bank · FDIC insured
Beardstown Savings CD Rates
Beardstown Savings’s best CD rate is 1.26% APY on an 18-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Beardstown Savings’s CD rates compare
Compared with banks and credit unions in Illinois, where Beardstown Savings has the most branches. $10,000, best rate first.
This bank’s best
Beardstown Savings
1.26%APY
- Term
- 18 months
- Minimum
- $0.01
- Earns on $10,000
- $190
18 Month Education CD
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
Beardstown Savings CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.06%
- QualifiedQualified1.26%
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 Beardstown Savings 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.
18 Month Education CD
1.26%APY · 1 term
A penalty may be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 1.26% | $190 |
Sources (1)
- beardstownsavings.com/accounts-current-rates · captured Sep 25, 2026
36 To 72 Month CD
1.06%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36–72 months | 1.06% | $321 |
Sources (2)
All captured Sep 25, 2026
18 Month Certificate
0.60%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.60% | $90 |
Sources (2)
All captured Sep 25, 2026
30 Month Certificate
0.60%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 0.60% | $151 |
Sources (2)
All captured Sep 25, 2026
12 Month Certificate
0.40%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.40% | $40 |
Sources (2)
All captured Sep 25, 2026
182 Day Certificate
0.25%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.25% | $12 |
Sources (2)
All captured Sep 25, 2026
91 Day Certificate
0.20%APY · 1 term
Penalty may be imposed for withdrawals before maturity. CDs typically pay higher interest rates than other deposit products; the fixed interest rate is set at account opening and does not change until the CD matures.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
18 Month IRA CD
1.26%APY · 1 term
Invested in FDIC insured Certificates of Deposit. Penalty may be imposed for withdrawals before maturity. Includes Traditional, Roth, and SEP IRA CD options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 1.26% | $190 |
Sources (2)
All captured Sep 25, 2026
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.