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CDs & IRAs

Make a safe and secure investment in your future, whether it’s three months or three decades away.

Certificates of Deposit (CD)

Invest securely with a CD from First State Bank of St. Charles. We offer competitive certificate of deposit rates on a variety of terms from 3 months to 2 years.2

  • $1,000 minimum to open (higher balance for CD specials)
  • Penalty-free withdrawals or changes within 10 calendar days of CD maturity date3
  • Flexible interest payments available

Certificates of Deposit4

Rates for Certificates of Deposit

Effective Date: 7/29/2026

  • 1.64%
    Interest Rate
  • 1.65%
    Annual Percentage Yield (APY))
  • $1,000
    Minimum Deposit
  • 2.37%
    Interest Rate
  • 2.40%
    Annual Percentage Yield (APY))
  • $1,000
    Minimum Deposit
  • 2.47%
    Interest Rate
  • 2.50%
    Annual Percentage Yield (APY))
  • $1,000
    Minimum Deposit
  • 2.62%
    Interest Rate
  • 2.65%
    Annual Percentage Yield (APY))
  • $1,000
    Minimum Deposit
  • 2.86%
    Interest Rate
  • 2.90%
    Annual Percentage Yield (APY))
  • $1,000
    Minimum Deposit

4The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRA)

Make monthly pre-tax contributions that reduce your taxable income for a year. Choose an FDIC-insured Roth or Traditional IRA. Grow your IRA plan with a a fixed-term, fixed-interest IRA CD.

Traditional IRA

  • Allows pre-tax contributions that may reduce taxable income for a year4
  • Pay taxes on withdrawals at retirement
  • Penalty-free withdrawals starting at age 59½
  • Interest compounded and paid monthly1
  • $100 minimum to open5

 

Roth IRA

  • Pay taxes upfront taxes on pre-tax contributions5
  • Tax-free withdrawals at retirement
  • Penalty-free withdrawals starting at age 59 ½ (or at least five years after first contribution)
  • Distributing contributions with no tax consequences
  • Distributions not required

IRA Certificates of Deposit4,5

Rates for Individual Retirement Account Certificates of Deposit

Effective Date: 7/29/2026

  • 1.64%
    Interest Rate
  • 1.65%
    Annual Percentage Yield (APY)
  • $1,000
    Minimum Deposit
  • 2.37%
    Interest Rate
  • 2.40%
    Annual Percentage Yield (APY)
  • $1,000
    Minimum Deposit
  • 2.47%
    Interest Rate
  • 2.50%
    Annual Percentage Yield (APY)
  • $1,000
    Minimum Deposit
  • 2.62%
    Interest Rate
  • 2.65%
    Annual Percentage Yield (APY)
  • $1,000
    Minimum Deposit
  • 2.86%
    Interest Rate
  • 2.90%
    Annual Percentage Yield (APY)
  • $1,000
    Minimum Deposit

4The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

5Early withdrawals prior to 59 ½ years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at (636) 940-5555.

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    Disclosures

    *DISCLOSURES:

    1Interest rate and Annual Percentage Yield (APY) may change at any time, at our discretion. Service charges may reduce earnings. Interest is calculated using the daily balance method and begins to accrue no later than the business day credit is received for deposit of non-cash items.

    2The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum deposits and balances are required to earn APY and is subject to change at any time. A penalty may be imposed for early withdrawal. CD term options available online may vary. Contact our Customer Care team at 636-940-5555 more information.

    3Interest does not accrue in that timeframe if not rolled over.

    4Dependent on the taxpayer’s income, tax-filing status, and coverage by an employer-sponsored retirement plan. Consult a tax advisor for more information.

    5If your balance falls below $250 on any day of the month, your account will be subject to a $5 service charge for that month.