1st Source Bank CD Rates — October 2026
As of October 22, 2026, 1st Source Bank's highest tracked CD rate is 4.00% APY on a 15-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.06% to 0.65% APY.
Tracking began .
1st Source Bank CD rates
Includes standard CDs and the 8- and 15-month CD specials. Minimum deposits differ by term; see the source for current offers and account-opening conditions.
| Term | Product | APY |
|---|---|---|
| 7 days | Certificate of Deposit | 0.06%Verified October 22, 2026 |
| 32 days | Certificate of Deposit | 0.07%Verified October 22, 2026 |
| 91 days | Certificate of Deposit | 0.08%Verified October 22, 2026 |
| 182 days | Certificate of Deposit | 0.10%Verified October 22, 2026 |
| 8 months | CD Special Promotional | 3.85%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 0.30%Verified October 22, 2026 |
| 15 months | CD Special Promotional | 4.00%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 0.30%Verified October 22, 2026 |
| 24 months | Certificate of Deposit | 0.37%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 0.50%Verified October 22, 2026 |
| 48 months | Certificate of Deposit | 0.55%Verified October 22, 2026 |
| 60 months | Certificate of Deposit | 0.65%Verified October 22, 2026 |
| 72 months | Certificate of Deposit | 0.65%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (15 months). The standard rate for a similar term is 0.30% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $370 less per year. Check the account terms and set a reminder before maturity.
What are 1st Source Bank's best CD rates by term?
1st Source Bank's best rate is 4.00% APY on 15 months, verified October 22, 2026.
- 7 days0.06%
- 32 days0.07%
- 91 days0.08%
- 182 days0.10%
- 8 mo3.85%
- 12 mo0.30%
- 15 mo4.00%
- 18 mo0.30%
- 24 mo0.37%
- 36 mo0.50%
- 48 mo0.55%
- 60 mo0.65%
- 72 mo0.65%
How much interest could a 1st Source Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $1.000.08% APY · Certificate of Deposit · Standard | $1.990.08% APY · Certificate of Deposit · Standard | $4.980.08% APY · Certificate of Deposit · Standard | $9.970.08% APY · Certificate of Deposit · Standard |
| 12 months | $15.000.30% APY · Certificate of Deposit · Standard | $30.000.30% APY · Certificate of Deposit · Standard | $75.000.30% APY · Certificate of Deposit · Standard | $150.000.30% APY · Certificate of Deposit · Standard |
| 15 months | $251.104.00% APY · CD Special · Promotional | $502.194.00% APY · CD Special · Promotional | $1,255.484.00% APY · CD Special · Promotional | $2,510.974.00% APY · CD Special · Promotional |
| 18 months | $22.540.30% APY · Certificate of Deposit · Standard | $45.070.30% APY · Certificate of Deposit · Standard | $112.690.30% APY · Certificate of Deposit · Standard | $225.370.30% APY · Certificate of Deposit · Standard |
| 24 months | $37.070.37% APY · Certificate of Deposit · Standard | $74.140.37% APY · Certificate of Deposit · Standard | $185.340.37% APY · Certificate of Deposit · Standard | $370.680.37% APY · Certificate of Deposit · Standard |
| 60 months | $164.630.65% APY · Certificate of Deposit · Standard | $329.250.65% APY · Certificate of Deposit · Standard | $823.130.65% APY · Certificate of Deposit · Standard | $1,646.260.65% APY · Certificate of Deposit · Standard |
How 1st Source Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 22 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| 1st Source Bank (this institution)CD Special · Promotional | 15 months | $500 | Coverage: FL, IN, MI | 4.00% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Nicolet National BankCertificate of Deposit · Relationship | 15 months | $2,500 | Coverage: CO, FL, IA, MI, MN, WI | 4.10% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking 1st Source Bank on October 22, 2026.
About 1st Source Bank
- Legal name
- 1st Source Bank
- Regulator ID
- FDIC 9087
- Headquarters
- South Bend, IN
- Available in
- FL, IN, MI
- Total assets
- $9.3 billion
- Also known as
- Website
- www.1stsource.com
Source: rates read from https://cloud.engage.1stsource.com/cd-rates-specials. See the page text we read.
Frequently asked questions
What is the highest CD rate at 1st Source Bank?
Among the rates we track, 4.00% APY on a 15-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a 1st Source Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $25,000.
How does 1st Source Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.65% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are 1st Source Bank CDs insured?
1st Source Bank is an FDIC-insured bank (FDIC 9087). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check 1st Source Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from 1st Source Bank's website and may change at any time. Confirm terms, minimums and eligibility with 1st Source Bank before opening an account. This page is not financial advice.