Bank · FDIC insured
Teutopolis State Bank CD Rates
Teutopolis State Bank’s best CD rate is 3.79% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Teutopolis State Bank’s CD rates compare
Compared with banks and credit unions near Effingham, IL, where Teutopolis State Bank has the most branches. $10,000, best rate first.
This bank’s best
Teutopolis State Bank
3.79%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $574
Certificates of Deposit
Top rate
Crossroads Bank
4.10%APY
- Term
- 17 months
- Minimum
- $2,000
- Earns on $10,000
- $586
2nd-highest rate
First State Bank of Beecher City
4.08%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $408
Teutopolis State Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.79%
- 31–60 months31–60 mo3.02%
- QualifiedQualified3.79%
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 Teutopolis 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 3.79%APY · 15 terms
Penalties may apply for early withdrawal. Businesses are not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day CD | 0.15% | $1 |
| 3 months91 Day CD | 0.30% | $8 |
| 6 months182 Day CD | 3.53% | $177 |
| 8 months8 Month CD | 3.52% | $233 |
| 9 months9 Month CD | 3.55% | $265 |
| 11 months11 Month CD | 0.50% | $46 |
| 12 months12 Month CD | 3.43% | $343 |
| 15 months15 Month CD | 0.60% | $75 |
| 18 months18 Month CD | 3.79% | $574 |
| 21 months21 Month CD | 3.19% | $565 |
| 24 months24 Month CD | 0.70% | $140 |
| 30 months30 Month CD | 3.23% | $827 |
| 36 months36 Month CD | 0.90% | $272 |
| 48 months48 Month CD | 3.02% | $1,264 |
| 60 months60 Month CD | 1.10% | $562 |
Sources (2)
- teutopolisstatebank.com/my-banker/client-resources/rates
- teutopolisstatebank.com/person…s/certificate-of-deposit
All captured Oct 16, 2026
Sunny Day CD (12 Mos.)
0.55%APY · 1 term
Penalties may apply for early withdrawal. Businesses are not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.55% | $55 |
Sources (1)
- teutopolisstatebank.com/my-banker/client-resources/rates · captured Oct 16, 2026
Special-purpose accounts
IRA's
0.65%APY
Contribute up to $6,000 per year. Withdrawals may be subject to taxes, withholding, and penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn interest is $0.01.Over $0 | 0.65% | $65 | Minimum balance to earn interest is $0.01. |
Sources (2)
- teutopolisstatebank.com/person…dual-retirement-accounts
- teutopolisstatebank.com/my-banker/client-resources/rates
All 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.