Bank · FDIC insured
Home State Bank CD Rates
Home State Bank’s best CD rate is 3.56% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Home State Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Home State Bank has the most branches. $10,000, best rate first.
This bank’s best
Home State Bank
3.56%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $176
Certificates of Deposit
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
Home State Bank CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo2.85%
- QualifiedQualified3.56%
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 Home 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.
Certificates of Deposit
Up to 3.56%APY · 12 terms
$1,000 Minimum Initial Deposit. Automatically renewable. Terms are 30 Days to 5 Years. For terms less than 31 days, interest is credited at maturity; for all other terms, interest is compounded & credited monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.00% | $8 |
| 3 months | 1.25% | $31 |
| 6 months | 3.56% | $176 |
| 10 months | 3.55% | $295 |
| 12 months | 3.04% | $304 |
| 15 months | 3.10% | $389 |
| 18 months | 3.10% | $469 |
| 24 months | 3.00% | $609 |
| 30 months | 2.95% | $754 |
| 36 months | 2.85% | $880 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.65% | $1,397 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.56%APY · 12 terms
Establish an IRA for as little as $50 if you have W-2 wages. Wide variety of IRA certificates of deposit with maturities to suit individual needs. Tax-deferred interest earnings. Substantial interest penalty applies to early withdrawal. Also available for Simplified Employee Pensions (SEPs).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.00% | $8 |
| 3 months | 1.25% | $31 |
| 6 months | 3.56% | $176 |
| 10 months | 3.55% | $295 |
| 12 months | 3.04% | $304 |
| 15 months | 3.10% | $389 |
| 18 months | 3.10% | $469 |
| 24 months | 3.00% | $609 |
| 30 months | 2.95% | $754 |
| 36 months | 2.85% | $880 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.65% | $1,397 |
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.