Bank · FDIC insured
First State Bank of St. Charles CD Rates
First State Bank of St. Charles’s best CD rate is 4.05% APY on a 7-month CD. Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How First State Bank of St. Charles’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First State Bank of St. Charles has the most branches. $10,000, best rate first.
This bank’s best
First State Bank of St. Charles
4.05%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $234
Certificates of Deposit Specials
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
First State Bank of St. Charles CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.50%
- QualifiedQualified4.05%
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 St. Charles 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 Specials
Up to 4.05%APY · 6 terms
Not available with IRAs. Assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsNot available with IRAs | 3.90% | $128 |
| 7 monthsNot available with IRAs | 4.05% | $234 |
| 11 monthsNot available with IRAs | 4.05% | $371 |
| 13 monthsNot available with IRAs | 4.05% | $439 |
| 17 monthsNot available with IRAs | 3.50% | $499 |
| 23 monthsNot available with IRAs | 3.25% | $632 |
Sources (3)
- fsbfinancial.com/bank/cds-iras
- fsbfinancial.com/bank/special-…s-of-deposit-cd-specials
- fsbfinancial.com/rates
All captured Sep 17, 2026
Certificates of Deposit
Up to 3.25%APY · 5 terms
Penalty-free withdrawals or changes within 10 calendar days after the CD maturity date. The APY assumes interest will remain on the deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.65% | $41 |
| 6 months | 2.40% | $119 |
| 12 months | 3.25% | $325 |
| 18 months | 3.10% | $469 |
| 24 months | 3.00% | $609 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.25%APY · 5 terms
Assumes interest will remain on deposit before maturity; a withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. Early withdrawals prior to 59 ½ years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.65% | $41 |
| 6 months | 2.40% | $119 |
| 12 months | 3.25% | $325 |
| 18 months | 3.10% | $469 |
| 24 months | 3.00% | $609 |
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.