Bank · FDIC insured
Shelby County State Bank CD Rates
Shelby County State Bank’s best CD rate is 1.36% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Shelby County State Bank’s CD rates compare
Compared with banks and credit unions in Illinois, where Shelby County State Bank has the most branches. $10,000, best rate first.
This bank’s best
Shelby County State Bank
1.36%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $699
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
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
Shelby County State Bank CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.80%
- 9–15 months9–15 mo1.15%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo1.36%
- QualifiedQualified1.36%
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 Shelby County 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 1.36%APY · 7 terms
Rates effective through September 29, 2026; may change after account is opened and fees or other conditions may reduce earnings. Interest penalty required for early withdrawal on time deposits. $1,000 minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded quarterly. Minimum balance $1,000. Early-withdrawal interest penalty | 0.30% | $7 |
| 6 monthsCompounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty | 0.80% | $40 |
| 12 monthsCompounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty | 1.15% | $115 |
| 24 monthsCompounded quarterly. Minimum balance $1,000. Early-withdrawal interest penalty | 1.21% | $243 |
| 36 monthsCompounded quarterly. Minimum balance $1,000. Early-withdrawal interest penalty | 1.10% | $334 |
| 48 monthsCompounded quarterly. Minimum balance $1,000. Early-withdrawal interest penalty | 1.10% | $447 |
| 60 monthsCompounded quarterly. Minimum balance $1,000. Early-withdrawal interest penalty | 1.36% | $699 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 1.36%APY · 4 terms
Traditional, Roth, and SEP IRA tax wrappers on the same IRA certificate offerings unless otherwise distinguished. Rates on the IRA certificate table are effective through September 29, 2026; may change after account is opened and fees or other conditions may reduce earnings. Interest penalty required for early withdrawal on time deposits. $1,000 minimum opening deposit for IRA certificates. Marketing copy also lists an 18-month IRA certificate without a published rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year IRA. Compounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty. Also described as a 12-month IRA certificate | 1.15% | $115 |
| 24 months2 Year IRA. Compounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty | 1.20% | $241 |
| 36 months3 Year IRA. Compounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty | 1.10% | $334 |
| 60 months5 Year IRA. Compounded semi-annually. Minimum balance $1,000. Early-withdrawal interest penalty | 1.36% | $699 |
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.