Bank · FDIC insured
First State Bank of Porter CD Rates
First State Bank of Porter’s best CD rate is 3.75% APY on a 1-year CD. Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How First State Bank of Porter’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First State Bank of Porter has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of Porter
3.65%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $365
Traditional CD
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
First State Bank of Porter CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.32%
- QualifiedQualified3.65%
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 Porter 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.
Traditional CD
Up to 3.65%APY · 5 terms
Subject to early withdrawal penalty. APY assumes interest and principal remain on deposit until maturity.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.35% | 3.45% | 3.35%3.45% from $100k | $166 |
| 12 months | 3.65% | 3.75% | 3.65%3.75% from $100k | $365 |
| 24 months | 2.70% | 2.80% | 2.70%2.80% from $100k | $547 |
| 36 months | 2.02% | 2.12% | 2.02%2.12% from $100k | $618 |
| 48 months | 2.32% | 2.42% | 2.32%2.42% from $100k | $961 |
Sources (2)
All captured Oct 5, 2026
2 Year 2nd Chance
2.75%APY · 1 term
Two-year investment that gives the option to bump up the interest rate once during the term if rates rise. Subject to early withdrawal penalty. APY assumes interest and principal remain on deposit until maturity.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months | 2.75% | 2.85% | 2.75%2.85% from $100k | $558 |
Sources (2)
All captured Oct 5, 2026
Renewing No- Penalty CDs
Up to 0.17%APY · 6 terms
APY assumes interest and principal remain on deposit until maturity.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsTerm: 91 Day | 0.05% | 0.05% | 0.05% | 0.15% | 0.05%0.05% $1k–$10k0.05% $25k–$100k0.15% from $100k | $1 |
| 6 monthsTerm: 182 Day | 0.07% | 0.07% | 0.07% | 0.17% | 0.07%0.07% $1k–$10k0.07% $25k–$100k0.17% from $100k | $4 |
| 12 months | 0.10% | 0.10% | 0.10% | 0.20% | 0.10%0.10% $1k–$10k0.10% $25k–$100k0.20% from $100k | $10 |
| 24 months | 0.13% | 0.13% | 0.13% | 0.23% | 0.13%0.13% $1k–$10k0.13% $25k–$100k0.23% from $100k | $26 |
| 36 months | 0.15% | 0.15% | 0.15% | 0.25% | 0.15%0.15% $1k–$10k0.15% $25k–$100k0.25% from $100k | $45 |
| 48 months | 0.17% | 0.17% | 0.17% | 0.27% | 0.17%0.17% $1k–$10k0.17% $25k–$100k0.27% from $100k | $68 |
Sources (1)
- porterstatebank.com/cd-rates · captured Oct 5, 2026
Special-purpose accounts
Individual IRA Accounts
Up to 3.05%APY · 4 terms
Available as Traditional and Roth IRAs with catch-up contributions available. Subject to early withdrawal penalty. APY assumes interest and principal remain on deposit until maturity. Interest calculated using Daily Balance Computation Method.
| Term | APY · Up to $100,000 | APY · $500 – $100,000 | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsTerm: 182 Day | — | — | 3.05% | 3.16% | 3.05%3.16% from $100k | $153 |
| 18 monthsVariable rate account, rate may change after account is opened. Allows multiple deposits for as little as $25.00 | 1.15% | — | — | 1.26% | 1.15%1.26% from $100k | $173 |
| 30 months | — | 3.04% | — | 3.14% | 3.04%3.14% from $100k | $777 |
| 48 months | — | 2.93% | — | 3.03% | 2.93%3.03% from $100k | $1,225 |
Sources (2)
All captured Oct 5, 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.