Personal Banking

CDs & IRAs Rates

Interest rates and annual percentage yields are accurate as of March 4, 2024.

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.

Time Deposits

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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 3.00% 3.03%
182-364 Day CD 500 500 3.70% 3.75%
1 year CD and IRA 500 500 3.75% 3.80%
15 Month CD 500 500 3.70% 3.75%
18 Month CD 500 500 3.55% 3.60%
2 year CD and IRA 500 500 3.50% 3.55%
30 Month CD 500 500 2.97% 3.00%
3 Year CD and IRA 500 500 3.05% 3.09%
4 Year CD and IRA 500 500 3.05% 3.09%
5 Year CD and IRA 500 500 3.05% 3.09%
Variable IRA account 500 500 1.15% 1.15%

** 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.