Dieterich Bank CD Rates — October 2026
As of October 22, 2026, Dieterich Bank's highest tracked CD rate is 3.70% APY on a 12-month CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.10% to 3.70% APY.
Tracking began .
Dieterich Bank CD rates
Published CD rates from 7 days to 60 months; minimum balances range from $500 to $10,000 by term. Includes the 16-month Duo CD ($5,000). Early withdrawal penalties are listed by term.
| Term | Product | APY |
|---|---|---|
| 7 days | CD | 0.10%Verified October 22, 2026 |
| 3 months | CD | 3.51%Top 26% · $10k reference sampleVerified October 22, 2026 |
| 6 months | CD | 3.55%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 9 months | CD | 3.60%Top 51% · $10k reference sampleVerified October 22, 2026 |
| 12 months | CD | 3.70%Top 51% · $10k reference sampleVerified October 22, 2026 |
| 16 months | 16-Month Duo CD | 0.85%Verified October 22, 2026 |
| 18 months | CD | 3.70%Top 49% · $10k reference sampleVerified October 22, 2026 |
| 24 months | CD | 3.10%Top 64% · $10k reference sampleVerified October 22, 2026 |
| 30 months | CD | 2.50%Verified October 22, 2026 |
| 36 months | CD | 3.10%Top 57% · $10k reference sampleVerified October 22, 2026 |
| 48 months | CD | 3.05%Top 53% · $10k reference sampleVerified October 22, 2026 |
| 60 months | CD | 3.00%Top 64% · $10k reference sampleVerified 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.
What are Dieterich Bank's best CD rates by term?
Dieterich Bank's best rate is 3.70% APY on 12 months, verified October 22, 2026.
- 7 days0.10%
- 3 mo3.51%
- 6 mo3.55%
- 9 mo3.60%
- 12 mo3.70%
- 16 mo0.85%
- 18 mo3.70%
- 24 mo3.10%
- 30 mo2.50%
- 36 mo3.10%
- 48 mo3.05%
- 60 mo3.00%
How much interest could a Dieterich 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.
$370.00 interest · $10,370.00 at maturity on $10,000.00.
3.70% APY · 12 months · CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | Not estimated | $0.190.10% APY · CD · Standard | $0.480.10% APY · CD · Standard | $0.960.10% APY · CD · Standard |
| 3 months | $43.193.51% APY · CD · Standard | $86.383.51% APY · CD · Standard | $215.953.51% APY · CD · Standard | $431.903.51% APY · CD · Standard |
| 6 months | $88.223.55% APY · CD · Standard | $176.443.55% APY · CD · Standard | $441.103.55% APY · CD · Standard | $882.193.55% APY · CD · Standard |
| 9 months | $134.533.60% APY · CD · Standard | $269.053.60% APY · CD · Standard | $672.633.60% APY · CD · Standard | $1,345.263.60% APY · CD · Standard |
| 12 months | $185.003.70% APY · CD · Standard | $370.003.70% APY · CD · Standard | $925.003.70% APY · CD · Standard | $1,850.003.70% APY · CD · Standard |
| 16 months | $56.790.85% APY · 16-Month Duo CD · Standard | $113.570.85% APY · 16-Month Duo CD · Standard | $283.930.85% APY · 16-Month Duo CD · Standard | $567.860.85% APY · 16-Month Duo CD · Standard |
| 18 months | $280.313.70% APY · CD · Standard | $560.633.70% APY · CD · Standard | $1,401.573.70% APY · CD · Standard | $2,803.143.70% APY · CD · Standard |
| 24 months | $314.803.10% APY · CD · Standard | $629.613.10% APY · CD · Standard | $1,574.023.10% APY · CD · Standard | $3,148.053.10% APY · CD · Standard |
| 30 months | $318.562.50% APY · CD · Standard | $637.132.50% APY · CD · Standard | $1,592.822.50% APY · CD · Standard | $3,185.642.50% APY · CD · Standard |
| 36 months | $479.563.10% APY · CD · Standard | $959.133.10% APY · CD · Standard | $2,397.823.10% APY · CD · Standard | $4,795.643.10% APY · CD · Standard |
| 48 months | $638.483.05% APY · CD · Standard | $1,276.963.05% APY · CD · Standard | $3,192.403.05% APY · CD · Standard | $6,384.793.05% APY · CD · Standard |
| 60 months | $796.373.00% APY · CD · Standard | $1,592.743.00% APY · CD · Standard | $3,981.853.00% APY · CD · Standard | $7,963.703.00% APY · CD · Standard |
How Dieterich Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 119 of 233 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| Dieterich Bank (this institution)CD · Standard | 12 months | $500 | Coverage: IL | 3.70% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Dieterich Bank on October 22, 2026.
About Dieterich Bank
- Legal name
- Dieterich Bank
- Regulator ID
- FDIC 3787
- Headquarters
- Effingham, IL
- Available in
- IL
- Total assets
- $1.6 billion
- Also known as
- Website
- www.dieterichbank.com
Source: rates read from https://www.dieterichbank.com/rates-center/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Dieterich Bank?
Among the rates we track, 3.70% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Dieterich Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Dieterich Bank's best CD rate compare with Treasury yields?
3.70% APY is −0.87% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.70% a good CD rate?
It is 2.1 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 Dieterich Bank CDs insured?
Dieterich Bank is an FDIC-insured bank (FDIC 3787). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Dieterich Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Dieterich Bank's website and may change at any time. Confirm terms, minimums and eligibility with Dieterich Bank before opening an account. This page is not financial advice.