Bank · FDIC insured
First State Bank CD Rates
Top CarrotFirst State Bank’s best CD rate is 4.25% APY on a 28-month CD. Terms run from 3 months to 8 years. Rates checked October 16, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions near Ottawa, IL, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
4.25%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $1,020
Certificate of Deposit Specials
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
First State Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.13%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.04%
- QualifiedQualified4.25%
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 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.
Certificate of Deposit Specials
Up to 4.25%APY · 4 terms
Fees may reduce earnings. Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsFees may reduce earnings. Substantial penalty for premature withdrawal | 4.05% | $167 |
| 7 monthsFees may reduce earnings. Substantial penalty for premature withdrawal | 4.13% | $239 |
| 11 monthsFees may reduce earnings. Substantial penalty for premature withdrawal. Online special available | 4.20% | $384 |
| 28 monthsFees may reduce earnings. Substantial penalty for premature withdrawal | 4.25% | $1,020 |
Sources (2)
- firststatebank.biz/Services-Tools/Tools/Rates
- firststatebank.biz/Personal/Personal-Savings/FSBSavings
All captured Oct 9, 2026
Certificates of Deposit (CDs)
Up to 4.14%APY · 10 terms
Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Days term (3.55%+ APY). Substantial penalty for premature withdrawal | 3.55% | $89 |
| 6 monthsCertificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty for premature withdrawal | 3.63% | $180 |
| 12 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 3.78% | $378 |
| 18 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.04% | $612 |
| 24 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.14% | $845 |
| 30 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.04% | $1,041 |
| 36 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $1,262 |
| 48 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.04% | $1,717 |
| 60 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.04% | $2,190 |
| 96 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal | 4.04% | $3,728 |
Sources (2)
- firststatebank.biz/Services-Tools/Tools/Rates
- firststatebank.biz/Personal/Personal-Savings/FSBSavings
All captured Oct 9, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 4.14%APY · 10 terms
Early Withdrawal Penalty for Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Days term | 3.55% | $89 |
| 6 monthsCertificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate | 3.63% | $180 |
| 12 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 3.78% | $378 |
| 18 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $612 |
| 24 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.14% | $845 |
| 30 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $1,041 |
| 36 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $1,262 |
| 48 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $1,717 |
| 60 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $2,190 |
| 96 monthsCompounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate | 4.04% | $3,728 |
Sources (1)
- firststatebank.biz/Services-Tools/Tools/Rates · captured Oct 9, 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.