Bank · FDIC insured
First State Bank CD Rates
First State Bank’s best CD rate is 3.85% APY on a 1-year CD. Terms run from 6 months to 1 year. Rates checked October 22, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions in Kentucky, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
3.85%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $385
12-Month CD
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
12-Month CD
3.85%APY · 1 term
Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit until maturity. Penalty may be imposed for early withdrawal. Automatically renewed for the same term with 10 calendar days grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit until maturity. Penalty may be imposed for early withdrawal. Automatically renewed for the same term | 3.85% | $385 |
7-Month CD
3.42%APY · 1 term
Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMinimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit | 3.42% | $198 |
182-Day CD
3.33%APY · 1 term
Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182-Day term. Minimum balance to obtain APY is $1,000.00. Assumes interest will remain on deposit | 3.33% | $165 |
Sources (1)
- firststatebankky.com/182-day-cd · captured Sep 19, 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.