Bank · FDIC insured
First Federal Savings & Loan Association of Central Illinois S.B. CD Rates
First Federal Savings & Loan Association of Central Illinois S.B.’s best CD rate is 3.05% APY on a 3-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Federal Savings & Loan Association of Central Illinois S.B.’s CD rates compare
Compared with banks and credit unions near Charleston, IL, where First Federal Savings & Loan Association of Central Illinois S.B. has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan Association of Central Illinois S.B.
3.05%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $943
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
First Farmers Bank & Trust
4.25%APY
- Term
- 19 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $681
First Federal Savings & Loan Association of Central Illinois S.B. CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.22%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.05%
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 First Federal Savings & Loan Association of Central Illinois S.B. 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 3.05%APY · 8 terms
Interest on CDs may be credited to the account quarterly, or paid via quarterly check, monthly check, quarterly transfer, or monthly transfer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 2.02% | $100 |
| 12 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 2.22% | $222 |
| 18 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 2.28% | $344 |
| 24 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 2.53% | $512 |
| 30 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 2.79% | $712 |
| 36 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 3.05% | $943 |
| 48 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 3.05% | $1,277 |
| 60 monthsInterest may be credited quarterly, or paid via quarterly/monthly check or quarterly/monthly transfer | 3.05% | $1,621 |
Special-purpose accounts
Individual Retirement Account CDs
Up to 3.05%APY · 8 terms
Interest on IRAs is automatically credited to the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest on IRAs is automatically credited to the account | 2.02% | $100 |
| 12 monthsInterest on IRAs is automatically credited to the account | 2.22% | $222 |
| 18 monthsInterest on IRAs is automatically credited to the account | 2.28% | $344 |
| 24 monthsInterest on IRAs is automatically credited to the account | 2.53% | $512 |
| 30 monthsInterest on IRAs is automatically credited to the account | 2.79% | $712 |
| 36 monthsInterest on IRAs is automatically credited to the account | 3.05% | $943 |
| 48 monthsInterest on IRAs is automatically credited to the account | 3.05% | $1,277 |
| 60 monthsInterest on IRAs is automatically credited to the account | 3.05% | $1,621 |
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.