Bank · FDIC insured
Scott State Bank CD Rates
Scott State Bank’s best CD rate is 3.52% APY on a 9-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Scott State Bank’s CD rates compare
Compared with banks and credit unions near Decatur, IL, where Scott State Bank has the most branches. $10,000, best rate first.
This bank’s best
Scott State Bank
3.52%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $263
Certificates of Deposit
Top rate
United Equity Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
Scott State Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo0.80%
- 9–15 months9–15 mo3.52%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.51%
- QualifiedQualified3.52%
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 Scott 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 3.52%APY · 8 terms
The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full period until maturity. Some accounts may require a Minimum Balance to open and/or a minimum daily balance. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 0.80% | — | 0.80% | $40 |
| 9 monthsSpecial CD. Compounding: At Maturity. Minimum balance to obtain APY: $10,000 | — | 3.52% | 3.52% | $263 |
| 12 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 3.03% | — | 3.03% | $303 |
| 18 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 1.20% | — | 1.20% | $181 |
| 24 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 1.20% | — | 1.20% | $241 |
| 30 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 1.51% | — | 1.51% | $382 |
| 36 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 1.51% | — | 1.51% | $460 |
| 60 monthsCompounding: Semi-Annually. Minimum balance to obtain APY: $1,000 | 1.51% | — | 1.51% | $778 |
Sources (2)
- scottbancshares.com/personal/deposits/deposit-rates
- scottbancshares.com/personal/d…-certificates-of-deposit
All captured Sep 17, 2026
Special-purpose accounts
IRAs
Up to 1.00%APY · 2 terms
Available as Traditional IRA or Roth IRA. Interest Rate may change after account is opened. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Compounding: At Maturity | 1.00% | $100 |
| 18 monthsVariable rate. Compounding: At Maturity | 0.90% | $135 |
Sources (2)
- scottbancshares.com/personal/deposits/deposit-rates
- scottbancshares.com/personal/d…-retirement-accounts-ira
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.