Bank · FDIC insured
First State Bank CD Rates
First State Bank’s best CD rate is 4.25% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions near Grand Forks, ND-MN, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
4.25%APY
- Term
- 9 months
- Minimum
- $10,000
- Earns on $10,000
- $317
Certificate of Deposit
Top rate
Unity Bank
4.30%APY
- Term
- 5 months
- Minimum
- $5,000
- Earns on $10,000
- $177
2nd-highest rate
Bell Bank
4.30%APY
- Term
- 17 months
- Minimum
- $500
- Earns on $10,000
- $615
First State Bank CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.28%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.00%
- 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
Up to 4.25%APY · 8 terms
| Term | APY · Up to $25,000 | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.00% | — | 1.11% | 1.00%1.11% from $25k | $25 |
| 6 months | 3.28% | — | 3.38% | 3.28%3.38% from $25k | $163 |
| 9 months | — | 4.25% | — | 4.25% | $317 |
| 12 months | 3.25% | — | 3.35% | 3.25%3.35% from $25k | $325 |
| 21 months | — | 4.25% | — | 4.25% | $756 |
| 24 months | 3.00% | — | 3.10% | 3.00%3.10% from $25k | $609 |
| 36 months | 3.00% | — | 3.10% | 3.00%3.10% from $25k | $927 |
| 60 months | 3.00% | — | 3.10% | 3.00%3.10% from $25k | $1,593 |
Sources (1)
- firststatebanks.com/deposit-rates · captured Oct 4, 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.