Bank · FDIC insured
First State Bank and Trust CD Rates
First State Bank and Trust’s best CD rate is 4.00% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First State Bank and Trust’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where First State Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
First State Bank and Trust
4.00%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $434
Personal Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
First State Bank and Trust CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.44%
- 31–60 months31–60 mo3.80%
- 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 First State Bank and Trust 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.
Personal Certificates of Deposit
Up to 4.00%APY · 9 terms
Early withdrawal penalty applies if funds are withdrawn before maturity. APY assumes interest will remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 0.05% | $1 |
| 6–11 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 0.05% | $2 |
| 7 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.75% | $217 |
| 12–23 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.29% | $329 |
| 13 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 4.00% | $434 |
| 24–35 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.44% | $700 |
| 36–47 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.55% | $1,103 |
| 48–59 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.65% | $1,542 |
| 60 monthsEarly withdrawal penalty applies if principal or interest is withdrawn before maturity | 3.80% | $2,050 |
Sources (2)
All captured Oct 5, 2026
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