First Southern Bank (Illinois) CD Rates — October 2026
As of October 22, 2026, First Southern Bank (Illinois)'s highest tracked CD rate is 2.53% APY on a 28-month CD ($1,000 minimum). That is 1.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.51% to 2.53% APY.
Tracking began .
First Southern Bank (Illinois) CD rates
CDs from 3 to 60 months, including a 9-month Liquid CD; minimums range from $1,000 to $5,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $2,500 | 1.51% | −2.79% | Top 69% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $2,500 | 2.01% | −2.39% | Top 80% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit (Liquid) | $5,000 | 1.61% | −2.87% | Top 87% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 2.22% | −2.35% | Top 80% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | Certificate of Deposit | $1,000 | 2.27% | −2.38% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 2.27% | −2.45% | Top 80% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.42% | −2.45% | Top 74% of tracked 24-month CDs · Verified October 22, 2026 |
| 28 months | Certificate of Deposit | $1,000 | 2.53% | −2.37% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $1,000 | 2.53% | −2.38% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 2.53% | −2.42% | Top 70% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.53% | −2.45% | Top 66% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.53% | −2.48% | Top 68% of tracked 60-month CDs · 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.
What are First Southern Bank (Illinois)'s best CD rates by term?
First Southern Bank (Illinois)'s best rate is 2.53% APY on 28 months, verified October 22, 2026.
- 3 mo1.51%
- 6 mo2.01%
- 9 mo1.61%
- 12 mo2.22%
- 15 mo2.27%
- 18 mo2.27%
- 24 mo2.42%
- 28 mo2.53%
- 30 mo2.53%
- 36 mo2.53%
- 48 mo2.53%
- 60 mo2.53%
How much interest could a First Southern Bank (Illinois) 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.
$600.56 interest · $10,600.56 at maturity on $10,000.00.
2.53% APY · 28 months · Certificate of Deposit · 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 |
|---|---|---|---|---|
| 3 months | $18.721.51% APY · Certificate of Deposit · Standard | $37.441.51% APY · Certificate of Deposit · Standard | $93.591.51% APY · Certificate of Deposit · Standard | $187.181.51% APY · Certificate of Deposit · Standard |
| 6 months | $50.142.01% APY · Certificate of Deposit · Standard | $100.282.01% APY · Certificate of Deposit · Standard | $250.692.01% APY · Certificate of Deposit · Standard | $501.382.01% APY · Certificate of Deposit · Standard |
| 9 months | $60.311.61% APY · Certificate of Deposit (Liquid) · Standard | $120.621.61% APY · Certificate of Deposit (Liquid) · Standard | $301.551.61% APY · Certificate of Deposit (Liquid) · Standard | $603.101.61% APY · Certificate of Deposit (Liquid) · Standard |
| 12 months | $111.002.22% APY · Certificate of Deposit · Standard | $222.002.22% APY · Certificate of Deposit · Standard | $555.002.22% APY · Certificate of Deposit · Standard | $1,110.002.22% APY · Certificate of Deposit · Standard |
| 15 months | $142.202.27% APY · Certificate of Deposit · Standard | $284.392.27% APY · Certificate of Deposit · Standard | $710.982.27% APY · Certificate of Deposit · Standard | $1,421.962.27% APY · Certificate of Deposit · Standard |
| 18 months | $171.372.27% APY · Certificate of Deposit · Standard | $342.742.27% APY · Certificate of Deposit · Standard | $856.862.27% APY · Certificate of Deposit · Standard | $1,713.722.27% APY · Certificate of Deposit · Standard |
| 24 months | $244.932.42% APY · Certificate of Deposit · Standard | $489.862.42% APY · Certificate of Deposit · Standard | $1,224.642.42% APY · Certificate of Deposit · Standard | $2,449.282.42% APY · Certificate of Deposit · Standard |
| 28 months | $300.282.53% APY · Certificate of Deposit · Standard | $600.562.53% APY · Certificate of Deposit · Standard | $1,501.402.53% APY · Certificate of Deposit · Standard | $3,002.802.53% APY · Certificate of Deposit · Standard |
| 30 months | $322.462.53% APY · Certificate of Deposit · Standard | $644.922.53% APY · Certificate of Deposit · Standard | $1,612.292.53% APY · Certificate of Deposit · Standard | $3,224.582.53% APY · Certificate of Deposit · Standard |
| 36 months | $389.182.53% APY · Certificate of Deposit · Standard | $778.362.53% APY · Certificate of Deposit · Standard | $1,945.912.53% APY · Certificate of Deposit · Standard | $3,891.822.53% APY · Certificate of Deposit · Standard |
| 48 months | $525.532.53% APY · Certificate of Deposit · Standard | $1,051.062.53% APY · Certificate of Deposit · Standard | $2,627.642.53% APY · Certificate of Deposit · Standard | $5,255.292.53% APY · Certificate of Deposit · Standard |
| 60 months | $665.322.53% APY · Certificate of Deposit · Standard | $1,330.652.53% APY · Certificate of Deposit · Standard | $3,326.622.53% APY · Certificate of Deposit · Standard | $6,653.252.53% APY · Certificate of Deposit · Standard |
How First Southern Bank (Illinois) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 852-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Southern Bank (Illinois) (this institution)Certificate of Deposit · Standard | 28 months | $1,000 | Branches in IL | 2.53% | October 22, 2026 |
| WEOKIE Federal Credit Union (highest tracked APY for this term)Certificate Account · Standard | 28 months | $1,000 | Membership required · branches in OK | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 28 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.90% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Southern Bank (Illinois) on October 22, 2026.
About First Southern Bank (Illinois)
- Legal name
- First Southern Bank
- Regulator ID
- FDIC 15565
- Headquarters
- Marion, IL
- Available in
- IL
- Total assets
- $1.0 billion
- Also known as
- First Southern Bank
- Website
- www.firstsouthernbank.net
Source: rates read from https://www.firstsouthernbank.net/services-resources/resources/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Southern Bank (Illinois)?
Among the rates we track, 2.53% APY on a 28-month CD, as of October 22, 2026.
What is the minimum deposit for a First Southern Bank (Illinois) CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.
How does First Southern Bank (Illinois)'s best CD rate compare with Treasury yields?
2.53% APY is −2.37% versus the 28-month Treasury yield of 4.90% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 2.53% a good CD rate?
It is 1.6 times the FDIC national average for a similar term (1.55% 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 First Southern Bank (Illinois) CDs insured?
First Southern Bank (Illinois) is an FDIC-insured bank (FDIC 15565). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Southern Bank (Illinois)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Southern Bank (Illinois)'s website and may change at any time. Confirm terms, minimums and eligibility with First Southern Bank (Illinois) before opening an account. This page is not financial advice.