Bank · FDIC insured
State Street Bank CD Rates
State Street Bank’s best CD rate is 4.00% APY on a 19-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How State Street Bank’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where State Street Bank has the most branches. $10,000, best rate first.
This bank’s best
State Street Bank
4.00%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $641
CD Specials
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
State Street Bank CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo1.26%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.26%
- QualifiedQualified4.00%
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 Street 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.
CD Specials
Up to 4.00%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 3.65% | $90 |
| 8 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 3.80% | $252 |
| 19 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 4.00% | $641 |
Sources (1)
- statestreetbank.com/personal/accounts/cd-ira · captured Oct 6, 2026
CDs
Up to 3.65%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 3.65% | $90 |
| 6 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.26% | $63 |
| 12 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.26% | $126 |
| 18 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 0.90% | $135 |
| 24 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.10% | $221 |
| 36 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.21% | $367 |
| 48 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.26% | $514 |
| 60 monthsEarly withdrawal penalties may apply. If interest is not paid by compounding to the CD, APY equals Interest Rate | 1.21% | $620 |
Sources (1)
- statestreetbank.com/personal/accounts/cd-ira · captured Oct 6, 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.