Bank · FDIC insured
The First State Bank CD Rates
The First State Bank’s best CD rate is 3.29% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How The First State Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where The First State Bank has the most branches. $10,000, best rate first.
This bank’s best
The First State Bank
2.68%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $543
CDS
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
The First State Bank CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo2.51%
- 9–15 months9–15 mo2.67%
- 16–30 months16–30 mo2.68%
- 31–60 months31–60 mo2.68%
- QualifiedQualified2.68%
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 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.
11-Month CD Special
3.29%APY · 1 term
Available for personal and business accounts. Not available for IRAs. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNot available for IRAs. Substantial penalty for early withdrawal | 3.29% | — |
CDS
Up to 2.68%APY · 9 terms
Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.30% | $2 |
| 3 months | 1.50% | $37 |
| 6 months | 2.51% | $125 |
| 12 months | 2.67% | $267 |
| 18 months | 2.67% | $403 |
| 24 months | 2.68% | $543 |
| 36 months | 2.68% | $826 |
| 48 months | 2.68% | $1,116 |
| 60 months | 2.68% | $1,414 |
Sources (1)
- fsblouise.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRAS
Up to 2.68%APY · 6 terms
Traditional, Roth, Coverdell and SEP options available. Substantial penalty for early withdrawal on all CDs and IRAs; Federal Income Tax penalties on early withdrawal may be applicable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.67% | $267 |
| 18 months | 2.67% | $403 |
| 24 months | 2.68% | $543 |
| 36 months | 2.68% | $826 |
| 48 months | 2.68% | $1,116 |
| 60 months | 2.68% | $1,414 |
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.