Bank · FDIC insured
State Bank of Graymont CD Rates
State Bank of Graymont’s best CD rate is 3.80% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How State Bank of Graymont’s CD rates compare
Compared with banks and credit unions near Pontiac, IL, where State Bank of Graymont has the most branches. $10,000, best rate first.
This bank’s best
State Bank of Graymont
3.80%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $575
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
State Bank of Graymont CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.00%
- 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 Graymont 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 3.80%APY · 9 terms
Penalty may be imposed for early withdrawal. $1,000 minimum opening balance and $1,000 minimum daily balance to obtain the disclosed annual percentage yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD | 1.00% | $25 |
| 6 months182 Day CD | 3.70% | $183 |
| 12 months12 Month CD | 3.75% | $375 |
| 18 months18 Month CD | 3.80% | $575 |
| 24 months24 Month CD | 3.65% | $743 |
| 30 months30 Month CD | 3.25% | $832 |
| 36 months36 Month CD | 3.00% | $927 |
| 48 months48 Month CD | 2.75% | $1,146 |
| 60 months60 Month CD | 2.50% | $1,314 |
365 Day Small Saver CD
1.00%APY · 1 term
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
Sources (1)
- sbofgray.com/rates · 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.