Personal Banking

CDs & IRAs Rates

Interest rates and annual percentage yields are accurate as of October 1, 2017.

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

Account Name Minimum Opening Balance Min Daily Balance to earn APY Interest Rate APY
7-31 Day CD $500 $500 0.05% 0.05%
32-89 Day CD 500 500 0.30% 0.30%
90-181 Day CD 500 500 0.40% 0.40%
182-364 Day CD 500 500 0.70% 0.70%
1 year CD and IRA 500 500 0.90% 0.90%
15 Month CD 500 500 1.05% 1.05%
18 Month CD 500 500 1.05% 1.05%
2 year CD and IRA 500 500 1.15% 1.16%
30 Month CD 500 500 1.15% 1.16%
3 Year CD and IRA 500 500 1.25% 1.26%
4 Year CD and IRA 500 500 1.25% 1.26%
5 Year CD and IRA 500 500 1.25% 1.26%
Variable IRA account 500 500 1.42% 1.43%

** 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.