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Bank · FDIC insured

First State Bank CD Rates

First State Bank’s best CD rate is 4.07% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How First State Bank’s CD rates compare

Compared with banks and credit unions near Wichita Falls, TX, where First State Bank has the most branches. $10,000, best rate first.

  • This bank’s best

    First State Bank

    4.07%APY

    Term
    6 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $201

    Certificates of Deposit

  • Top rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

  • 2nd-highest rate

    Union Square Credit Union

    4.24%APY

    Term
    36 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $1,325

    Union Square Credit Union rates

Compare CD rates near you →

First State Bank CD score

89

CD score

Higher than 88% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.07%
  • 9–15 months9–15 mo4.07%
  • 16–30 months16–30 mo4.07%
  • 31–60 months31–60 mo3.76%
  • QualifiedQualified4.07%

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.

How the score works →

Where First 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.

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.

Visit institution website ↗Branches and institution details
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