# First Southern Bank (Illinois) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-southern-bank-illinois
Institution: First Southern Bank (FDIC 15565)
Aliases: First Southern Bank
Status: live
Last verified: 2026-10-23T03:19:47.000Z (October 22, 2026)
Official source: https://www.firstsouthernbank.net/services-resources/resources/rates.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $2,500 | 1.51% | Not ZIP-priced | −2.79% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 6 months | $2,500 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit (Liquid) | standard | 9 months | $5,000 | 1.61% | Not ZIP-priced | −2.87% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 12 months | $1,000 | 2.22% | Not ZIP-priced | −2.35% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 15 months | $1,000 | 2.27% | Not ZIP-priced | −2.38% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 18 months | $1,000 | 2.27% | Not ZIP-priced | −2.45% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.42% | Not ZIP-priced | −2.45% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 28 months | $1,000 | 2.53% | Not ZIP-priced | −2.37% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 30 months | $1,000 | 2.53% | Not ZIP-priced | −2.38% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.53% | Not ZIP-priced | −2.42% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.53% | Not ZIP-priced | −2.45% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.53% | Not ZIP-priced | −2.48% | 2026-10-23T03:19:47.000Z | [Snapshot 953](https://apyledger.com/snapshots/953) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.