Bank · FDIC insured
Flanagan State Bank CD Rates
Flanagan State Bank’s best CD rate is 3.85% APY on an 8-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Flanagan State Bank’s CD rates compare
Compared with banks and credit unions near Bloomington, IL, where Flanagan State Bank has the most branches. $10,000, best rate first.
This bank’s best
Flanagan State Bank
2.52%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,325
Standard Certificates of Deposit
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
First State Bank
4.25%APY
- Term
- 28 months
- Minimum
- $1,000
- Earns on $10,000
- $1,020
Flanagan State Bank CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.42%
- 16–30 months16–30 mo2.44%
- 31–60 months31–60 mo2.52%
- QualifiedQualified2.52%
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 Flanagan 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.
Large Depositor Special 250-Day CD
Up to 3.85%APY · 1 term
Large depositor special certificate of deposit for a 250-day term.
| Term | APY · $50,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 8 monthsTerm is 250 days. Interest frequency is 3 months. Early withdrawal penalty is 91 days | 3.50% | 3.70% | 3.85% | —3.50% from $50k3.70% from $100k3.85% from $250k | — |
Sources (2)
All captured Sep 17, 2026
Standard Certificates of Deposit
Up to 2.52%APY · 9 terms
Early withdrawal penalty applies. Automatic renewal with 10-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthInterest frequency is 1 month. Early withdrawal penalty is 30 days | 2.50% | $21 |
| 3 monthsInterest frequency is 3 months. Early withdrawal penalty is 91 days | 1.84% | $46 |
| 6 monthsInterest frequency is 3 months. Early withdrawal penalty is 91 days | 2.27% | $113 |
| 9 monthsInterest frequency is 3 months. Early withdrawal penalty is 91 days | 2.34% | $175 |
| 12 monthsInterest frequency is 3 months. Early withdrawal penalty is 91 days | 2.42% | $242 |
| 18 monthsInterest frequency is 3 months. Early withdrawal penalty is 182 days | 2.41% | $364 |
| 24 monthsInterest frequency is 6 months. Early withdrawal penalty is 182 days | 2.44% | $494 |
| 36 monthsInterest frequency is 6 months. Early withdrawal penalty is 365 days | 2.50% | $769 |
| 60 monthsInterest frequency is 6 months. Early withdrawal penalty is 365 days | 2.52% | $1,325 |
Sources (3)
- flanaganstatebank.com/personal/current-rates
- flanaganstatebank.com/personal…t/certificate-of-deposit
- flanaganstatebank.com/250-cd-special
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.52%APY · 5 terms
Available as Traditional IRA or Roth IRA. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable interest rate. Interest frequency is 3 months. Early withdrawal penalty is 30 days | 2.38% | $0 |
| 12 monthsInterest frequency is 6 months. Early withdrawal penalty is 91 days | 2.37% | $237 |
| 24 monthsInterest frequency is 6 months. Early withdrawal penalty is 182 days | 2.44% | $494 |
| 36 monthsInterest frequency is 6 months. Early withdrawal penalty is 365 days | 2.49% | $766 |
| 60 monthsInterest frequency is 6 months. Early withdrawal penalty is 365 days | 2.52% | $1,325 |
Sources (2)
All captured Sep 17, 2026
Closed to new customers
Relationship Special 250-Day CD
3.85%APY · 1 term
Available to customers with an active checking account with Flanagan State Bank. Automatically renews at maturity into a standard 6-month CD unless instructed otherwise. Offer available through December 31, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsTerm is 250 days. Interest frequency is 3 months. Early withdrawal penalty is 91 days. Automatically renews into a standard 6-month CD | 3.85% | $266 |
Sources (3)
- flanaganstatebank.com/250-cd-special
- flanaganstatebank.com/personal/current-rates
- flanaganstatebank.com/personal…t/certificate-of-deposit
All captured Sep 17, 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.