Bank · FDIC insured
Clay County State Bank CD Rates
Clay County State Bank’s best CD rate is 3.70% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Clay County State Bank’s CD rates compare
Compared with banks and credit unions in Illinois, where Clay County State Bank has the most branches. $10,000, best rate first.
This bank’s best
Clay County State Bank
3.70%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $560
Certificate of Deposit
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
Clay County State Bank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.70%
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 Clay County 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 3.70%APY · 12 terms
A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum to Avoid Fees is $500 | 3.25% | $80 |
| 6 monthsMinimum to Avoid Fees is $500 | 3.40% | $169 |
| 7 monthsMinimum to Avoid Fees is $500 | 3.50% | $203 |
| 12 monthsMinimum to Avoid Fees is $500 | 3.50% | $350 |
| 15 monthsMinimum to Avoid Fees is $500 | 3.55% | $446 |
| 18 monthsMinimum to Avoid Fees is $500 | 3.70% | $560 |
| 21 monthsMinimum to Avoid Fees is $500 | 3.60% | $638 |
| 24 monthsMinimum to Avoid Fees is $500 | 3.60% | $733 |
| 30 monthsMinimum to Avoid Fees is $500 | 3.40% | $872 |
| 36 monthsMinimum to Avoid Fees is $5,000 | 3.40% | $1,055 |
| 48 monthsMinimum to Avoid Fees is $500 | 3.45% | $1,453 |
| 60 monthsMinimum to Avoid Fees is $500 | 3.45% | $1,848 |
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.