Bank · FDIC insured
The Gerber State Bank CD Rates
The Gerber State Bank’s best CD rate is 1.46% APY on a 1-year CD. Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How The Gerber State Bank’s CD rates compare
Compared with banks and credit unions near Decatur, IL, where The Gerber State Bank has the most branches. $10,000, best rate first.
This bank’s best
The Gerber State Bank
1.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $135
Certificates of Deposit
Top rate
United Equity Credit Union
4.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,612
2nd-highest rate
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
The Gerber State Bank CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 9–15 months9–15 mo1.35%
- 16–30 months16–30 mo1.30%
- 31–60 months31–60 mo1.05%
- QualifiedQualified1.35%
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 Gerber 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 4.03%APY · 5 terms
FDIC insured up to $250,000 per individual. APY calculated on a 365 day basis and assumes interest is added to the account semi-annually; withdrawal of interest may reduce yield.
| Term | APY · Any balance | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| UnknownSPECIAL 210 Days. Calculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 4.03% | — | — | 4.03% | $0 |
| UnknownTerm is 182 Days. Calculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 0.75% | — | 0.80% | 0.75%0.80% from $100k | $0 |
| UnknownTerm is 91 Days. Calculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 0.40% | — | 0.45% | 0.40%0.45% from $100k | $0 |
| 12 monthsCalculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 1.35% | 1.40% | 1.46% | 1.35%1.40% from $50k1.46% from $100k | $135 |
| 18 monthsCalculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 1.30% | 1.35% | 1.40% | 1.30%1.35% from $50k1.40% from $100k | $196 |
| 24 monthsCalculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 1.25% | 1.30% | 1.35% | 1.25%1.30% from $50k1.35% from $100k | $252 |
| 36 monthsCalculated on a 365 day basis; assumes interest added semi-annually. Withdrawal of interest may reduce yield | 1.05% | 1.10% | 1.15% | 1.05%1.10% from $50k1.15% from $100k | $318 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.03%APY · 5 terms
IRA CD's > $10,000.00 follow the general Certificate of Deposit rate schedule. APY calculated on a 365 day basis and assumes interest is added to the account semi-annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown182 Days term. Minimum to open $100,000.00 | 0.80% | $0 |
| Unknown182 Days term. Minimum to open $2,500.00 | 0.75% | $0 |
| Unknown91 Days term. Minimum to open $100,000.00 | 0.45% | $0 |
| Unknown91 Days term. Minimum to open $2,500.00 | 0.40% | $0 |
| UnknownSPECIAL 210 Days term. Minimum to open $2,500.00 | 4.03% | $0 |
| 12 months12 Months term. Minimum to open $1,000.00 | 1.35% | $135 |
| 12 months12 Months term. Minimum to open $100,000.00 | 1.46% | $146 |
| 12 months12 Months term. Minimum to open $50,000.00 | 1.40% | $140 |
| 18 months18 Months term. Minimum to open $1,000.00 | 1.30% | $196 |
| 18 months18 Months term. Minimum to open $100,000.00 | 1.40% | $211 |
| 18 months18 Months term. Minimum to open $50,000.00 | 1.35% | $203 |
| 24 months24 Months term. Minimum to open $1,000.00 | 1.25% | $252 |
| 24 months24 Months term. Minimum to open $100,000.00 | 1.35% | $272 |
| 24 months24 Months term. Minimum to open $50,000.00 | 1.30% | $262 |
| 36 months36 Months term. Minimum to open $1,000.00 | 1.05% | $318 |
| 36 months36 Months term. Minimum to open $100,000.00 | 1.15% | $349 |
| 36 months36 Months term. Minimum to open $50,000.00 | 1.10% | $334 |
Sources (1)
- gerberstatebank.com/deposit-rates · captured Oct 16, 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.