Bank · FDIC insured
The First National Bank of Sparta CD Rates
The First National Bank of Sparta’s best CD rate is 2.85% APY on a 5-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How The First National Bank of Sparta’s CD rates compare
Compared with banks and credit unions in Illinois, where The First National Bank of Sparta has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Sparta
2.85%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,509
Certificate of Deposit
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
The First National Bank of Sparta CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo1.45%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.85%
- QualifiedQualified2.85%
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 First National Bank of Sparta 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 2.85%APY · 10 terms
A penalty may be imposed for early withdrawal. Rates are accurate as of October 1, 2026 and are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month31 Day term. A penalty may be imposed for early withdrawal | 0.85% | $7 |
| 3 months91 Day term. A penalty may be imposed for early withdrawal | 1.10% | $28 |
| 6 months182 Day term. A penalty may be imposed for early withdrawal | 1.45% | $73 |
| 12 months12 Month term. A penalty may be imposed for early withdrawal | 2.25% | $225 |
| 18 months18 Month term. A penalty may be imposed for early withdrawal | 2.15% | $324 |
| 24 months24 Month term. A penalty may be imposed for early withdrawal | 2.50% | $506 |
| 30 months30 Month term. A penalty may be imposed for early withdrawal | 2.25% | $572 |
| 36 months36 Month term. A penalty may be imposed for early withdrawal | 2.25% | $690 |
| 48 months48 Month term. A penalty may be imposed for early withdrawal | 2.75% | $1,146 |
| 60 months60 Month term. A penalty may be imposed for early withdrawal | 2.85% | $1,509 |
Sources (1)
- fnbsparta.bank/resources/rates · 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.