Bank · FDIC insured
DeMotte State Bank CD Rates
Top CarrotDeMotte State Bank’s best CD rate is 3.93% APY on an 8-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How DeMotte State Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where DeMotte State Bank has the most branches. $10,000, best rate first.
This bank’s best
DeMotte State Bank
3.93%APY
- Term
- 8 months
- Minimum
- —
- Earns on $10,000
- $260
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
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
DeMotte State Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.93%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.34%
- QualifiedQualified3.93%
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 DeMotte 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 3.93%APY · 12 terms
Automatically renewable. A penalty will be imposed for funds withdrawn prior to maturity. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Day term. Automatically renewable. Early withdrawal penalty applies | — | 3.03% | — | 3.03% | $75 |
| 6 months182 Day term. Automatically renewable. Early withdrawal penalty applies | — | 3.12% | — | 3.12% | $155 |
| 8 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 3.93% | 3.93% | $260 |
| 12 monthsAutomatically renewable. Early withdrawal penalty applies | 2.78% | — | — | 2.78% | $278 |
| 14 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 2.27% | 2.27% | $265 |
| 14 monthsSpecial with DSB Account. Automatically renewable. Early withdrawal penalty applies | — | — | 3.91% | 3.91% | $458 |
| 18 monthsAutomatically renewable. Early withdrawal penalty applies | 2.52% | — | — | 2.52% | $380 |
| 24 monthsAutomatically renewable. Early withdrawal penalty applies | 2.73% | — | — | 2.73% | $553 |
| 29 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 2.27% | 2.27% | $557 |
| 29 monthsSpecial with DSB Account. Automatically renewable. Early withdrawal penalty applies | — | — | 3.70% | 3.70% | $918 |
| 30 monthsAutomatically renewable. Early withdrawal penalty applies | 2.52% | — | — | 2.52% | $642 |
| 36 monthsAutomatically renewable. Early withdrawal penalty applies | 2.78% | — | — | 2.78% | $857 |
| 48 monthsAutomatically renewable. Early withdrawal penalty applies | 3.29% | — | — | 3.29% | $1,382 |
| 60 monthsAutomatically renewable. Early withdrawal penalty applies | 3.34% | — | — | 3.34% | $1,785 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.93%APY · 12 terms
All DSB-listed CDs may be opened as an IRA. Same terms and conditions apply. Automatically renewable. A penalty will be imposed for funds withdrawn prior to maturity. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Day term. Automatically renewable. Early withdrawal penalty applies | — | 3.03% | — | 3.03% | $75 |
| 6 months182 Day term. Automatically renewable. Early withdrawal penalty applies | — | 3.12% | — | 3.12% | $155 |
| 8 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 3.93% | 3.93% | $260 |
| 12 monthsAutomatically renewable. Early withdrawal penalty applies | 2.78% | — | — | 2.78% | $278 |
| 14 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 2.27% | 2.27% | $265 |
| 14 monthsSpecial with DSB Account. Automatically renewable. Early withdrawal penalty applies | — | — | 3.91% | 3.91% | $458 |
| 18 monthsAutomatically renewable. Early withdrawal penalty applies | 2.52% | — | — | 2.52% | $380 |
| 24 monthsAutomatically renewable. Early withdrawal penalty applies | 2.73% | — | — | 2.73% | $553 |
| 29 monthsAutomatically renewable. Early withdrawal penalty applies | — | — | 2.27% | 2.27% | $557 |
| 29 monthsSpecial with DSB Account. Automatically renewable. Early withdrawal penalty applies | — | — | 3.70% | 3.70% | $918 |
| 30 monthsAutomatically renewable. Early withdrawal penalty applies | 2.52% | — | — | 2.52% | $642 |
| 36 monthsAutomatically renewable. Early withdrawal penalty applies | 2.78% | — | — | 2.78% | $857 |
| 48 monthsAutomatically renewable. Early withdrawal penalty applies | 3.29% | — | — | 3.29% | $1,382 |
| 60 monthsAutomatically renewable. Early withdrawal penalty applies | 3.34% | — | — | 3.34% | $1,785 |
Sources (1)
- netdsb.com/rates-fees · 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.