Bank · FDIC insured
La Salle State Bank CD Rates
La Salle State Bank’s best CD rate is 4.05% APY on a 39-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How La Salle State Bank’s CD rates compare
Compared with banks and credit unions near Ottawa, IL, where La Salle State Bank has the most branches. $10,000, best rate first.
This bank’s best
La Salle State Bank
4.05%APY
- Term
- 39 months
- Minimum
- $10,000
- Earns on $10,000
- $1,377
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
La Salle State Bank CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo4.05%
- 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 La Salle 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 4.05%APY · 14 terms
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month31 Day term. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.25% | — | 0.25% | $2 |
| 3 months91 Day term. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.40% | — | 0.40% | $10 |
| 5 monthsLimited time CD Special. Available only to those who maintain a checking account at La Salle State Bank | — | 3.70% | 3.70% | $153 |
| 6 months182 Day term. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.55% | — | 0.55% | $27 |
| 9 monthsLimited time CD Special. Available only to those who maintain a checking account at La Salle State Bank | — | 3.55% | 3.55% | $265 |
| 12 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 1.25% | — | 1.25% | $125 |
| 15 monthsLimited time CD Special. Available only to those who maintain a checking account at La Salle State Bank | — | 3.45% | 3.45% | $433 |
| 18 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 1.25% | — | 1.25% | $188 |
| 24 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 1.51% | — | 1.51% | $304 |
| 29 monthsLimited time CD Special. Available only to those who maintain a checking account at La Salle State Bank | — | 3.15% | 3.15% | $778 |
| 30 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 1.51% | — | 1.51% | $382 |
| 36 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 2.05% | — | 2.05% | $628 |
| 39 monthsLimited time CD Special. Available only to those who maintain a checking account at La Salle State Bank | — | 4.05% | 4.05% | $1,377 |
| 60 monthsInterest is compounded and credited quarterly. Penalty for early withdrawal | 2.35% | — | 2.35% | $1,232 |
Sources (3)
- elsb.com/personal-banking/savings
- elsb.com/personal-banking/savi…/certificates-of-deposit
- elsb.com/rates/savings-money-market-rates
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 2.37%APY · 9 terms
Available in Traditional and Roth formats.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. Available for Traditional & Roth IRAs. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.27% | $2 |
| 3 months91 Day term. Available for Traditional & Roth IRAs. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.42% | $10 |
| 6 months182 Day term. Available for Traditional & Roth IRAs. Interest is compounded and credited at maturity. Penalty for early withdrawal | 0.57% | $28 |
| 12 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 1.27% | $127 |
| 18 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 1.53% | $230 |
| 24 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 1.53% | $308 |
| 30 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 2.07% | $526 |
| 36 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 2.07% | $634 |
| 60 monthsAvailable for Traditional & Roth IRAs. Interest is compounded and credited quarterly. Penalty for early withdrawal | 2.37% | $1,243 |
Sources (3)
- elsb.com/personal-banking/savings
- elsb.com/personal-banking/savi…-retirement-accounts-ira
- elsb.com/rates/savings-money-market-rates
All captured Sep 25, 2026
24-Karat IRA
1.53%APY · 1 term
24-month Variable Rate IRA which is automatically renewable. Available as Traditional IRA or Roth IRA. Additional deposits can be made at any time in $100 increments not to exceed the annual contribution limit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable Rate IRA. Interest is compounded and credited quarterly to the account. Penalty for early withdrawal | 1.53% | $308 |
Sources (3)
- elsb.com/personal-banking/savings
- elsb.com/personal-banking/savi…-retirement-accounts-ira
- elsb.com/rates/savings-money-market-rates
All captured Sep 25, 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.