Bank · FDIC insured
The Federal Savings Bank CD Rates
Top CarrotThe Federal Savings Bank’s best CD rate is 3.95% APY on a 3-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How The Federal Savings Bank’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where The Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
The Federal Savings Bank
3.95%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,232
Special CD Promotion
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
The Federal Savings Bank CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.95%
- QualifiedQualified3.95%
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 The Federal Savings 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.
Special CD Promotion
Up to 3.95%APY · 6 terms
Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty is 180 days' worth of interest | 3.90% | $390 |
| 18 monthsEarly withdrawal penalty is 180 days' worth of interest | 3.85% | $583 |
| 24 monthsEarly withdrawal penalty is 365 days' worth of interest | 3.80% | $774 |
| 36 monthsEarly withdrawal penalty is 365 days' worth of interest | 3.95% | $1,232 |
| 48 monthsEarly withdrawal penalty is 365 days' worth of interest | 3.95% | $1,676 |
| 60 monthsEarly withdrawal penalty is 365 days' worth of interest | 3.95% | $2,137 |
Sources (1)
- thefederalsavingsbank.com/banking · 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.