Bank · FDIC insured
Community State Bank CD Rates
Community State Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Community State Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community State Bank has the most branches. $10,000, best rate first.
This bank’s best
Community State Bank
4.00%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $400
Certificates of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Community State Bank CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo2.75%
- 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 Community 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.
Certificates of Deposit
Up to 4.00%APY · 7 terms
Penalties for early withdrawal. All certificates require a $500 minimum opening deposit with the exception of the 48 month special and 12 month special requiring a $5,000 deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. Penalties for early withdrawal | 2.00% | $50 |
| 6 months182 Day CD. Penalties for early withdrawal | 2.00% | $100 |
| 12 months12 Month CD. Penalties for early withdrawal | 2.25% | $225 |
| 12 monthsSpecial 12 Month CD. Requires a $5,000 deposit. Penalties for early withdrawal | 4.00% | $400 |
| 18 months18 Month CD. Penalties for early withdrawal | 1.50% | $226 |
| 30 months30 Month CD. Penalties for early withdrawal | 1.50% | $379 |
| 48 monthsSpecial 48 Month CD. Requires a $5,000 deposit. Penalties for early withdrawal | 2.75% | $1,146 |
| 60 months5 Year CD. Penalties for early withdrawal | 2.00% | $1,041 |
Sources (2)
All captured Oct 15, 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.