Bank · FDIC insured
Warren-Boynton State Bank CD Rates
Warren-Boynton State Bank’s best CD rate is 1.35% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Warren-Boynton State Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Warren-Boynton State Bank has the most branches. $10,000, best rate first.
This bank’s best
Warren-Boynton State Bank
1.35%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $146
13 Month CD Special
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Warren-Boynton State Bank CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo1.35%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo1.30%
- 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 Warren-Boynton 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.
13 Month CD Special
1.35%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 1.35% | $146 |
Sources (1)
- wbsb.net · captured Sep 17, 2026
60 Month CD
1.30%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 1.30% | $667 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
48 Month CD
1.00%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 1.00% | $406 |
36 Month CD
0.80%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.80% | $242 |
30 Month CD
0.55%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.55% | $138 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
24 Month CD
0.45%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.45% | $90 |
21 Month CD
0.40%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 21 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.40% | $70 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
15 Month CD
0.35%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.35% | $44 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
18 Month CD
0.35%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.35% | $53 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
12 Month CD
0.30%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.30% | $30 |
10 Month CD
0.25%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.25% | $21 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
6 Month CD
0.20%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.20% | $10 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
7 Month CD
0.20%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.20% | $12 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
3 Month CD
0.10%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.10% | $2 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
7 to 31 Day CD
0.10%APY · 1 term
Selected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.10% | $0 |
Sources (1)
- wbsb.net/internet-services/rates · captured Oct 16, 2026
Special-purpose accounts
IRA - 24 Month Fixed CD
2.56%APY · 1 term
We offer both traditional and Roth IRA accounts. The interest rate and annual percentage yield (APY) may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsTraditional and Roth IRA accounts. The interest rate and annual percentage yield (APY) may change after account opening | 2.56% | $519 |
Sources (1)
- wbsb.net/personal-banking/savings-accounts · captured Oct 16, 2026
IRA - 18 Month Variable CD
Up to 2.52%APY · 1 term
Offered as traditional and Roth IRA accounts. Rate may change after the account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsRate may change after the account is opened. Traditional and Roth IRA accounts | 2.52% | $380 |
| 18 monthsSelected Rates current as of 10/16/2026, for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties | 0.50% | $75 |
Sources (2)
All captured Oct 16, 2026
IRA - 12 Month Fixed CD
1.76%APY · 1 term
We offer both traditional and Roth IRA accounts. The interest rate and annual percentage yield (APY) may change after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional and Roth IRA accounts. The interest rate and annual percentage yield (APY) may change after account opening | 1.76% | $176 |
Sources (1)
- wbsb.net/personal-banking/savings-accounts · 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.