Bank · FDIC insured
First State Bank of Beecher City CD Rates
First State Bank of Beecher City’s best CD rate is 4.08% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First State Bank of Beecher City’s CD rates compare
Compared with banks and credit unions near Effingham, IL, where First State Bank of Beecher City has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of Beecher City
4.08%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $408
Certificates of Deposit
Top rate
Crossroads Bank
4.10%APY
- Term
- 17 months
- Minimum
- $2,000
- Earns on $10,000
- $586
3rd-highest rate
Land of Lincoln Credit Union
3.97%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $363
First State Bank of Beecher City CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.08%
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 of Beecher City 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.
Certificates of Deposit
Up to 4.08%APY · 9 terms
Penalty for early withdrawal on above accounts. All interest rates subject to change.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term. Penalty for early withdrawal | — | 3.80% | 3.80% | $95 |
| 6 months182 Day term. Penalty for early withdrawal | — | 3.79% | 3.79% | $190 |
| 12 months12 Month term. Penalty for early withdrawal | 4.08% | — | 4.08% | $408 |
| 18 months18 Month term. Penalty for early withdrawal | 4.08% | — | 4.08% | $618 |
| 24 months24 Month term. Penalty for early withdrawal | 3.82% | — | 3.82% | $779 |
| 30 months30 Month term. Penalty for early withdrawal | 3.82% | — | 3.82% | $983 |
| 36 months36 Month term. Penalty for early withdrawal | 3.82% | — | 3.82% | $1,190 |
| 48 months48 Month term. Penalty for early withdrawal | 3.82% | — | 3.82% | $1,618 |
| 60 months60 Month term. Penalty for early withdrawal | 3.82% | — | 3.82% | $2,062 |
Special-purpose accounts
IRAs
3.55%APY
Prepare for Retirement. Tax advantages. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTax advantages. $100 minimum to open. Penalty for early withdrawal.$100 and up | 3.55% | $355 | Tax advantages. $100 minimum to open. Penalty for early withdrawal. |
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.