Bank · FDIC insured
Washington Savings Bank CD Rates
Washington Savings Bank’s best CD rate is 3.75% APY on a 4-year CD. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Washington Savings Bank’s CD rates compare
Compared with banks and credit unions near Effingham, IL, where Washington Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Washington Savings Bank
3.75%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,587
Certificates of Deposit
Top rate
Crossroads Bank
4.10%APY
- Term
- 17 months
- Minimum
- $2,000
- Earns on $10,000
- $586
2nd-highest rate
First State Bank of Beecher City
4.08%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $408
Washington Savings Bank CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Washington Savings 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 3.75%APY · 13 terms
Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD. Interest rate and APY remain in effect until maturity. Interest compounds and credits at maturity; interest checks or transfers reduce APY. Auto-renews with 10 calendar days grace period. Early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, at least 30 days simple interest | — | 3.50% | 3.50% | $86 |
| 6 months182 Day CD. Interest rate and APY remain in effect until maturity. Interest compounds and credits at maturity; interest checks or transfers reduce APY. Auto-renews with 10 calendar days grace period. Early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, at least 90 days simple interest | — | 3.55% | 3.55% | $176 |
| 10 months10 Month CD. Interest rate and APY remain in effect until maturity. Interest compounds and credits at maturity; interest checks or transfers reduce APY. Auto-renews with 10 calendar days grace period. Early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, at least 90 days simple interest | — | 0.25% | 0.25% | $21 |
| 12 months12 Month fixed-rate CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | 3.60% | — | 3.60% | $360 |
| 15 months15 Month fixed-rate CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | — | 0.25% | 0.25% | $31 |
| 18 months18 Month fixed-rate CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | 3.65% | — | 3.65% | $552 |
| 20 months20 Month fixed-rate CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | — | 0.25% | 0.25% | $42 |
| 24 months24 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 270 days simple interest | 3.70% | — | 3.70% | $754 |
| 30 months30 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 270 days simple interest | 0.25% | — | 0.25% | $63 |
| 36 months36 Month Bump Rate CD. Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest. Rate paid until maturity unless bump option is exercised in person in writing; bump does not extend maturity date; new rate paid from bump date to end of original term; allowed one time during each term/renewal period | — | 3.70% | 3.70% | $1,152 |
| 48 months48 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest | 3.75% | — | 3.75% | $1,587 |
| 60 months60 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest | 3.75% | — | 3.75% | $2,021 |
| 84 months84 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 540 days simple interest | 3.75% | — | 3.75% | $2,939 |
Sources (1)
- washingtonsavings.net/our-rates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.75%APY · 8 terms
Federal IRA rules apply. Roth and Traditional are tax wrappers of the same IRA certificate set. Must be opened in person with proper identification.
| Term | APY · $100 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months12 Month fixed-rate IRA CD (Roth and Traditional). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | — | 3.60% | — | 3.60% | $360 |
| 15 months15 Month fixed-rate IRA CD (Roth and Traditional). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | — | — | 0.25% | 0.25% | $31 |
| 18 months18 Month fixed-rate IRA CD (Traditional IRA). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | — | 3.65% | — | 3.65% | $552 |
| 18 months18 Month Variable Rate IRA CD (Roth and Traditional). Additional deposits of $1.00 or more allowed at any time. Interest rate subject to change Feb 1 and Aug 1 to not less than the rate currently being paid on 18 Month fixed rate CDs. Compounded and credited semi-annually on Jan 31 and Jul 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 180 days simple interest | 3.03% | — | — | 3.03% | $458 |
| 24 months24 Month fixed-rate IRA CD (Roth and Traditional). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 270 days simple interest | — | 3.70% | — | 3.70% | $754 |
| 30 months30 Month fixed-rate IRA CD (Traditional IRA). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 270 days simple interest | — | 0.25% | — | 0.25% | $63 |
| 36 months36 Month Bump Rate IRA CD (Roth and Traditional). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest. Bump option allowed 1 time during term/renewal period; exercised in person in writing; does not extend original maturity date | — | — | 3.70% | 3.70% | $1,152 |
| 60 months60 Month fixed-rate IRA CD (Traditional IRA). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest | — | 3.75% | — | 3.75% | $2,021 |
| 84 months84 Month fixed-rate IRA CD (Roth and Traditional). Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews; 10 calendar days grace period. Early withdrawal penalty equal to 540 days simple interest | — | 3.75% | — | 3.75% | $2,939 |
Sources (1)
- washingtonsavings.net/our-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.