Bank · FDIC insured
State Bank of Cherry CD Rates
State Bank of Cherry’s best CD rate is 3.80% APY on a 9-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How State Bank of Cherry’s CD rates compare
Compared with banks and credit unions near Ottawa, IL, where State Bank of Cherry has the most branches. $10,000, best rate first.
This bank’s best
State Bank of Cherry
3.80%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $284
Certificate 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
State Bank of Cherry CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.80%
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 of Cherry 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.
Certificate of Deposit
Up to 3.80%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–6 months | 3.20% | $26 |
| 7–12 months | 3.00% | $174 |
| 9 monthsSpecial term | 3.80% | $284 |
| 18 months | 3.00% | $453 |
| 24 months | 2.80% | $568 |
| 30 months | 2.80% | $715 |
| 36 months | 2.80% | $864 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.10% | $1,649 |
Sources (1)
- cherry.bank/personal/cd-ira · captured Oct 16, 2026
Add-2-It CD
3.50%APY · 1 term
Applicable to consumers only. No Individual Retirement Accounts (IRAs). Unlimited deposits of $1,000 or more allowed during the initial term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.50% | $712 |
Sources (1)
- cherry.bank/personal/cd-ira · captured Oct 16, 2026
Special-purpose accounts
Journey Ahead CD
Up to 3.29%APY · 3 terms
Primary owner must be under 18 years of age at account opening; secondary owner must be 18 years of age or older at account opening. Unlimited deposits may be made to the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.52% | $252 |
| 36 months | 3.03% | $937 |
| 60 months | 3.29% | $1,757 |
Sources (1)
- cherry.bank/personal/cd-ira · 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.