Bank · FDIC insured
First State Bank CD Rates
First State Bank’s best CD rate is 4.10% APY on a 3-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
0.05%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2
Easy CD
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Fixed Rate CD
Up to 4.20%APY · 13 terms
| Term | APY · $1,000 and up | APY · $5,000 – $1,000,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month | 0.05% | — | — | 0.05% | $0 |
| 3 months | 3.30% | — | — | 3.30% | $81 |
| 4 monthsDeposits must be new funds to First State Bank (transfers from existing First State Bank accounts do not qualify) | — | — | 4.15% | 4.15% | $136 |
| 6 months | 3.30% | — | — | 3.30% | $164 |
| 7 months | — | 3.70% | — | 3.70% | $214 |
| 7 monthsPromotional APY includes a rate bonus available to customers who open a First State Bank checking account and have recurring direct deposit of at least $500 per month within the first 60 days of account opening. If the checking account is closed or link terminated, rate paid at maturity is based on 6-month CD rate (3.30% APY as of 4/1/2026) | — | 4.10% | — | 4.10% | $237 |
| 12 months | 3.40% | — | — | 3.40% | $340 |
| 13 months | — | 3.80% | — | 3.80% | $412 |
| 13 monthsPromotional APY includes a rate bonus available to customers who open a First State Bank checking account and have recurring direct deposit of at least $500 per month within the first 60 days of account opening. If the checking account is closed or link terminated, rate paid at maturity is based on 12-month CD rate (3.40% APY as of 4/1/2026) | — | 4.20% | — | 4.20% | $456 |
| 18 months | 0.05% | — | — | 0.05% | $8 |
| 24 months | 0.05% | — | — | 0.05% | $10 |
| 30 months | 0.05% | — | — | 0.05% | $13 |
| 36 months | 0.05% | — | — | 0.05% | $15 |
| 48 months | 0.05% | — | — | 0.05% | $20 |
| 60 months | 0.05% | — | — | 0.05% | $25 |
Jumbo CDs
Up to 4.10%APY · 13 terms
Minimum deposit $1,000,000. Interest calculated on a 365-day basis. Simple interest paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0–1 monthsTerm: 7 Days | 3.07% | — |
| 1 monthTerm: 30 Days | 3.33% | — |
| 2 monthsTerm: 60 Days | 3.33% | — |
| 3 monthsTerm: 90 Days | 4.10% | — |
| 4 monthsTerm: 120 Days | 3.95% | — |
| 5 monthsTerm: 150 Days | 3.96% | — |
| 6 monthsTerm: 180 Days | 3.95% | — |
| 9 monthsTerm: 270 Days | 3.95% | — |
| 12 monthsTerm: 1 Year | 4.10% | — |
| 24 monthsTerm: 2 Years | 2.05% | — |
| 36 monthsTerm: 3 Years | 2.05% | — |
| 48 monthsTerm: 4 Years | 2.05% | — |
| 60 monthsTerm: 5 Years | 2.05% | — |
Sources (1)
- fsb.bank/Rate-Center · captured Oct 16, 2026
CDARS
Up to 3.50%APY · 7 terms
Rate may change after opening. The minimum aggregate deposit amount for the Promontory Interfinancial Network is $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 4 weeks | 0.50% | $4 |
| 3 monthsTerm is 13 weeks | 3.00% | $74 |
| 6 monthsTerm is 26 weeks | 3.50% | $173 |
| 12 monthsTerm is 1 Year (52 Weeks) | 3.30% | $330 |
| 24 monthsTerm is 2 Years (104 Weeks) | 3.00% | $609 |
| 36 monthsTerm is 3 Years (156 Weeks) | 0.50% | $151 |
| 60 monthsTerm is 5 Years (260 Weeks) | 0.50% | $253 |
Easy CD
0.05%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.05% | $2 |
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.