Bank · FDIC insured
West Central Bank CD Rates
West Central Bank’s best CD rate is 2.37% APY on a 30-month CD. Terms run from 15 months to 30 months. Rates checked October 16, 2026.
How West Central Bank’s CD rates compare
Compared with banks and credit unions near Springfield, IL, where West Central Bank has the most branches. $10,000, best rate first.
This bank’s best
West Central Bank
2.37%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $603
FLEX Certificate of Deposit
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
FLEX Certificate of Deposit
Up to 2.37%APY · 2 terms
15 and 30 month terms available. Unlimited additional deposits can be made to the CD during the term ($100 minimum deposit amount for additional deposits). One withdrawal of up to 1/2 current principal balance can be made during the term of the CD with no penalty. Possible penalty for early withdrawal of entire balance. Maintenance or activity fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsUnlimited additional deposits during term ($100 min). One penalty-free withdrawal up to 1/2 principal. Possible penalty for early withdrawal of entire balance. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty equal to 90 days interest on the amount withdrawn | 2.27% | $285 |
| 30 monthsUnlimited additional deposits during term ($100 min). One penalty-free withdrawal up to 1/2 principal. Possible penalty for early withdrawal of entire balance. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty equal to 182 days interest on the amount withdrawn | 2.37% | $603 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.47%APY · 3 terms
Individual Retirement Account (IRA). Maintenance or activity fees could reduce earnings on the account. Rates are not guaranteed and are subject to change without notice. Rate may change after the account is opened for variable rate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownVariable Rate. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Rate may change after the account is opened | 2.02% | $0 |
| 24 monthsFixed Rate. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Rates are not guaranteed and are subject to change without notice | 2.32% | $469 |
| 48 monthsFixed Rate. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Rates are not guaranteed and are subject to change without notice | 2.47% | $1,025 |
Sources (1)
- westcentralbank.com/rates · captured Oct 6, 2026
Smart Start Certificate of Deposit
2.27%APY · 1 term
Offered only for children under 18 years of age. Unlimited additional deposits can be made to the CD during the term ($20 minimum deposit amount for additional deposits). One withdrawal of up to 1/2 current principal balance can be made during the term of the CD with no penalty (withdrawal must be at least $50). Possible penalty for early withdrawal of entire balance. Maintenance or activity fees could reduce earnings on the account. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty equal to 90 days interest on the amount withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsOffered only for children under 18 years of age. Unlimited additional deposits ($20 min). One penalty-free withdrawal up to 1/2 principal ($50 min). Possible penalty for early withdrawal of entire balance. APY is calculated based on quarterly interest payments back to the account. Maintenance or activity fees could reduce earnings on the account. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty equal to 90 days interest on the amount withdrawn | 2.27% | $285 |
Sources (2)
All 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.