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Personal Banking
CDs & IRAs Rates
Interest rates and annual percentage yields are accurate as of November 3, 2025.
A penalty may be imposed for early withdrawal of certificates. Fees could reduce earnings on the account.
These rates are available to in-market retail customers. Special rate quotes will be provided by the corporate office for brokered funds, financial institutions, large companies, or public funds.
| Account Name | Minimum Opening Balance | Min Daily Balance to earn APY | Interest Rate | APY |
|---|---|---|---|---|
| 7-31 Day CD | $500 | $500 | 0.00% | 0.00% |
| 32-89 Day CD | $500 | $500 | 0.00% | 0.00% |
| 90-181 Day CD | $500 | $500 | 3.25% | 3.29% |
| 182-364 Day CD | $500 | $500 | 3.50% | 3.55% |
| 1 year CD and IRA | $500 | $500 | 3.45% | 3.49% |
| 15 Month CD | $500 | $500 | 3.25% | 3.29% |
| 18 Month CD | $500 | $500 | 3.00% | 3.03% |
| 2 year CD and IRA | $500 | $500 | 2.80% | 2.83% |
| 30 Month CD | $500 | $500 | 2.70% | 2.73% |
| 3 Year CD and IRA | $500 | $500 | 2.50% | 2.52% |
| 4 Year CD and IRA | $500 | $500 | 2.50% | 2.52% |
| 5 Year CD and IRA | $500 | $500 | 2.50% | 2.52% |
| Variable IRA account | $500 | $500 | 1.00% | 1.00% |
** Rates may change after account is opened.
** Depending on account type, if balance falls below minimum balance a service charge may apply.
For further rate information or questions contact a State Bank Customer Service Representative at 903-667-2553.