Bank · FDIC insured
First State Bank & Trust CD Rates
First State Bank & Trust’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First State Bank & Trust’s CD rates compare
Compared with banks and credit unions near Williston, ND, where First State Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
First State Bank & Trust
4.00%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $502
Certificates of Deposit (Specials)
Top rate
Western Cooperative Credit Union
4.25%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $246
2nd-highest rate
First International Bank & Trust
4.25%APY
- Term
- 13 months
- Minimum
- $2,500
- Earns on $10,000
- $461
First State Bank & Trust CD score
78
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.50%
- 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 & 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.
Certificates of Deposit (Specials)
Up to 4.00%APY · 6 terms
Rates updated every Wednesday (rates may change without notice). A penalty may be assessed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day* term | 3.40% | $85 |
| 6 months182 Day* term | 3.60% | $180 |
| 11 months11 Month* term | 3.75% | $343 |
| 15 months15 Month* term | 4.00% | $502 |
| 37 months37 Month* term | 2.30% | $726 |
| 54 months54 Month* term | 2.50% | $1,175 |
Sources (1)
- fsbtnd.bank/Resources/Current-Rates · captured Oct 4, 2026
Certificates of Deposit
Up to 2.40%APY · 7 terms
Rates updated every Wednesday (rates may change without notice). Substantial penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD term | 1.40% | $35 |
| 6 months182 Day CD term | 1.50% | $76 |
| 12 months12 Month CD term | 1.90% | $190 |
| 24 months24 Month CD term | 2.00% | $404 |
| 36 months36 Month CD term | 2.20% | $675 |
| 48 months48 Month CD term | 2.30% | $952 |
| 60 months60 Month CD term | 2.40% | $1,259 |
Special-purpose accounts
I.R.A. Accounts
Up to 2.40%APY · 6 terms
Available as Traditional, Roth, and SEP IRAs. Tax deferred earnings. No annual fee. No transaction fee. A penalty may be assessed for early withdrawals.
| Term | APY · Up to $10,000 | APY · Any balance | APY · $10,000 – $50,000 | APY · Over $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months1 year IRA (Same as CD's) | — | 1.90% | — | — | 1.90% | $190 |
| 18 months18 Month variable * term tier | 2.00% | — | 2.10% | 2.20% | 2.00%2.10% $10k–$50k2.20% from $50k | $301 |
| 24 months2 year IRA (Same as CD's) | — | 2.00% | — | — | 2.00% | $404 |
| 36 months3 year IRA (Same as CD's) | — | 2.20% | — | — | 2.20% | $675 |
| 48 months4 year IRA (Same as CD's) | — | 2.30% | — | — | 2.30% | $952 |
| 60 months5 year IRA (Same as CD's) | — | 2.40% | — | — | 2.40% | $1,259 |
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.