Bank · FDIC insured
Central State Bank CD Rates
Central State Bank’s best CD rate is 3.91% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Central State Bank’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where Central State Bank has the most branches. $10,000, best rate first.
This bank’s best
Central State Bank
3.91%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $491
Certificate of Deposit
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
Central State Bank CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo1.31%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.91%
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 Central State 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.
Certificate of Deposit
Up to 3.91%APY · 10 terms
Interest compounded quarterly. Early withdrawal penalties apply. No deposits permitted before maturity.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Days CD. Interest compounded quarterly | 1.21% | — | 1.21% | $30 |
| 6 months182 Days CD. Interest compounded quarterly | 1.31% | — | 1.31% | $65 |
| 12 months12 Months CD. Interest compounded quarterly | 1.41% | — | 1.41% | $141 |
| 15 months15 Months CD Special. Interest compounded quarterly | — | 3.91% | 3.91% | $491 |
| 18 months18 Months CD. Interest compounded quarterly | 1.41% | — | 1.41% | $212 |
| 24 months24 Months CD. Interest compounded quarterly | 1.76% | — | 1.76% | $355 |
| 30 months30 Months CD. Interest compounded quarterly | 2.02% | — | 2.02% | $513 |
| 36 months36 Months CD. Interest compounded quarterly | 2.02% | — | 2.02% | $618 |
| 48 months48 Months CD. Interest compounded quarterly | 2.27% | — | 2.27% | $939 |
| 60 months60 Months CD. Interest compounded quarterly | 2.52% | — | 2.52% | $1,325 |
Special-purpose accounts
IRA CD
Up to 2.52%APY · 7 terms
Traditional and Roth IRA CD options with terms from 12 to 60 months. Interest compounded quarterly. Funds become available starting at age 59 1/2. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 1.41% | $141 |
| 18 months18 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 1.41% | $212 |
| 24 months24 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 1.76% | $355 |
| 30 months30 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 2.02% | $513 |
| 36 months36 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 2.02% | $618 |
| 48 months48 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 2.27% | $939 |
| 60 months60 Months IRA CD. Traditional and Roth IRAs. Interest compounded quarterly | 2.52% | $1,325 |
Sources (3)
- csb123.com/individual-retirement-accounts
- csb123.com/deposit-accounts
- csb123.com/deposit-interest-rates
All captured Oct 6, 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.