Bank · FDIC insured
State Bank CD Rates
State Bank’s best CD rate is 4.25% APY on an 11-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How State Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where State Bank has the most branches. $10,000, best rate first.
This bank’s best
State Bank
4.25%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $389
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
State Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.25%
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 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 4.25%APY · 8 terms
Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.50% | $173 |
| 11 monthsNo penalty for early withdrawal. Minimum of $1,000 to open and obtain APY | 4.25% | $389 |
| 12 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.50% | $350 |
| 18 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.80% | $575 |
| 24 monthsNo penalty for early withdrawal. Minimum of $1,000 to open and obtain APY | 3.80% | $774 |
| 36 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.50% | $1,087 |
| 48 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.65% | $1,542 |
| 60 monthsMinimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity | 3.50% | $1,877 |
Sources (4)
- sbw.bank
- open.sbw.bank/products/11MonthNoPenaltyCd1
- sbw.bank/services/personal/savings
- sbw.bank/services/rates
All captured Oct 16, 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.