Bank · FDIC insured
United State Bank CD Rates
United State Bank’s best CD rate is 3.80% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How United State Bank’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where United State Bank has the most branches. $10,000, best rate first.
This bank’s best
United State Bank
3.80%APY
- Term
- 6 months
- Minimum
- $7,500
- Earns on $10,000
- $188
Certificate of Deposit Current Specials
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
2nd-highest rate
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
United State Bank CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.80%
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 United 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.
Certificate of Deposit Current Specials
Up to 3.80%APY · 2 terms
Interest is compounded monthly. Fees may reduce earnings. Penalty may apply for early withdrawal. At maturity, automatically renews at current specified rate for 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum deposit of $7,500 to open and obtain APY. At maturity, automatically renews at current specified rate for 12 months. Interest is compounded monthly. Early withdrawal penalty may apply | 3.80% | $188 |
| 11 monthsMinimum deposit of $7,500 to open and obtain APY. At maturity, automatically renews at current specified rate for 12 months. Interest is compounded monthly. Early withdrawal penalty may apply | 3.75% | $343 |
Sources (1)
- usb1.com/resources/cd-specials · captured Sep 17, 2026
Certificates of Deposit
Up to 3.60%APY · 11 terms
Automatically renewable. Minimum opening balance required is $1,000. Terms range from 30 days to 60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 30 days. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 0.50% | $4 |
| 2 monthsTerm is 60 days. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 0.50% | $8 |
| 3 monthsTerm is 90 days. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 1.15% | $29 |
| 6 monthsTerm is 182 days. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.06% | $152 |
| 12 monthsTerm is 12 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.60% | $360 |
| 18 monthsTerm is 18 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.50% | $530 |
| 24 monthsTerm is 24 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.40% | $692 |
| 30 monthsTerm is 30 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.20% | $819 |
| 36 monthsTerm is 36 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.10% | $959 |
| 48 monthsTerm is 48 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.00% | $1,255 |
| 60 monthsTerm is 60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings | 3.00% | $1,593 |
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.