Bank · FDIC insured
First Southern Bank CD Rates
First Southern Bank’s best CD rate is 2.53% APY on a 28-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Southern Bank’s CD rates compare
Compared with banks and credit unions near Marion, IL, where First Southern Bank has the most branches. $10,000, best rate first.
This bank’s best
First Southern Bank
2.53%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $600
Certificates of Deposit (CD)
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First Southern Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.01%
- 9–15 months9–15 mo2.27%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.53%
- QualifiedQualified2.53%
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 Southern 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 (CD)
Up to 2.53%APY · 11 terms
Fixed rates, higher than standard savings. Early withdrawals subject to penalty. Interest may be credited to account or paid by check (monthly or at maturity for 3-9 months; monthly, quarterly, or semi-annually for 12-60 months). APYs for terms 12 months and greater are based on quarterly compounding.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMinimum balance to open and retain CD is $2,500; minimum daily balance to earn APY is $2,500 | — | 1.51% | 1.51% | $38 |
| 6 monthsMinimum balance to open and retain CD is $2,500; minimum daily balance to earn APY is $2,500 | — | 2.01% | 2.01% | $100 |
| 12 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.22% | — | 2.22% | $222 |
| 15 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.27% | — | 2.27% | $285 |
| 18 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.27% | — | 2.27% | $342 |
| 24 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.42% | — | 2.42% | $490 |
| 28 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $600 |
| 30 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $645 |
| 36 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $778 |
| 48 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $1,051 |
| 60 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $1,331 |
Sources (2)
- firstsouthernbank.net/personal…cates-of-deposit-cd.html
- firstsouthernbank.net/services…ces/resources/rates.html
All captured Oct 6, 2026
Liquid CD
1.61%APY · 1 term
If minimum balance of $5,000 is not maintained, the account may be closed or transferred. Penalty-free withdrawals may be made 3 times a month in person at a branch; otherwise CD early withdrawal penalty applies. Guaranteed rate for 9 months. Automatically renews at maturity. May not be opened as IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsMust maintain a minimum daily balance of $5,000 to earn APY and retain account. Penalty-free withdrawals allowed 3 times per month in person at a branch | 1.61% | $121 |
Sources (2)
- firstsouthernbank.net/personal…cates-of-deposit-cd.html
- firstsouthernbank.net/services…ces/resources/rates.html
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.53%APY · 11 terms
Tax-advantaged retirement savings with Traditional and Roth IRA options. No setup fees; $20 annual maintenance fee applies. Annual contribution limits apply. Early withdrawals subject to penalty. Interest may be credited or paid by check; 12-60 month APYs based on quarterly compounding. Liquid CD is not eligible for IRA.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMinimum balance to open and retain CD is $2,500; minimum daily balance to earn APY is $2,500 | — | 1.51% | 1.51% | $38 |
| 6 monthsMinimum balance to open and retain CD is $2,500; minimum daily balance to earn APY is $2,500 | — | 2.01% | 2.01% | $100 |
| 12 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.22% | — | 2.22% | $222 |
| 15 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.27% | — | 2.27% | $285 |
| 18 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.27% | — | 2.27% | $342 |
| 24 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.42% | — | 2.42% | $490 |
| 28 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $600 |
| 30 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $645 |
| 36 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $778 |
| 48 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $1,051 |
| 60 monthsMinimum balance to open and retain CD is $1,000; minimum daily balance to earn APY is $1,000 | 2.53% | — | 2.53% | $1,331 |
Sources (2)
- firstsouthernbank.net/personal…rement-accounts-ira.html
- firstsouthernbank.net/services…ces/resources/rates.html
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.