State Bank of De Kalb CD rates
State Bank of De Kalb advertises 3.34% APY on its 12-month CD. That is 1.63 percentage points above the national 12-month CD average of 1.71% (FDIC, Aug 2026).
State Bank of De Kalb at a glance
| CDs | |
|---|---|
| Top CD APY | 3.34% · 12 months · 1-Year CD |
| Minimum to open | $500 · 12 months CD |
| FDIC certificate | 15463 · De Kalb, TX |
|---|---|
| Website | www.statebankofdekalb.com |
| Branches | 7 branches in TX |
State Bank of De Kalb CD rates
Personal
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% or more. See the highest savings rates.
State Bank of De Kalb CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3-6 months | 3.09% | $500 | 90-181 Day CD |
| 6-12 months | 3.24% | $500 | 182-364 Day CD |
| 12 months | 3.34% | $500 | 1-Year CD |
| 15 months | 3.29% | $500 | 15-Month CD |
| 18 months | 3.03% | $500 | 18-Month CD |
| 24 months | 2.68% | $500 | 2-Year CD |
| 30 months | 2.52% | $500 | 30-Month CD |
| 36 months | 2.27% | $500 | 3-Year CD |
| 48 months | 2.27% | $500 | 4-Year CD |
| 60 months | 2.27% | $500 | 5-Year CD |
| IRA CDs | |||
| 12 months | 3.34% | $500 | 1-Year IRA CD |
| 24 months | 2.68% | $500 | 2-Year IRA CD |
| 36 months | 2.27% | $500 | 3-Year IRA CD |
| 48 months | 2.27% | $500 | 4-Year IRA CD |
| 60 months | 2.27% | $500 | 5-Year IRA CD |
What State Bank of De Kalb pays on deposits
FDIC call report data
This section shows how the bank has priced all of its deposits over time. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
In Q1 2026, State Bank of De Kalb paid a higher average rate than 42% of U.S. banks (all-bank median 2.27%).
- State Bank of De Kalb, avg rate paid
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rate paid on interest-bearing deposits, quarterly. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Variable IRA Account | 1.00% | $500 | $0 | None | not stated | not stated | One rate |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 90-181 Day CD | 3-6 months | 3.09% | $500 | not stated | not stated |
| 182-364 Day CD | 6-12 months | 3.24% | $500 | not stated | not stated |
| 1-Year CD | 12 months | 3.34% | $500 | not stated | not stated |
| 15-Month CD | 15 months | 3.29% | $500 | not stated | not stated |
| 18-Month CD | 18 months | 3.03% | $500 | not stated | not stated |
| 2-Year CD | 24 months | 2.68% | $500 | not stated | not stated |
| 30-Month CD | 30 months | 2.52% | $500 | not stated | not stated |
| 3-Year CD | 36 months | 2.27% | $500 | not stated | not stated |
| 4-Year CD | 48 months | 2.27% | $500 | not stated | not stated |
| 5-Year CD | 60 months | 2.27% | $500 | not stated | not stated |
| IRA CDs | |||||
| 1-Year IRA CD | 12 months | 3.34% | $500 | not stated | not stated |
| 2-Year IRA CD | 24 months | 2.68% | $500 | not stated | not stated |
| 3-Year IRA CD | 36 months | 2.27% | $500 | not stated | not stated |
| 4-Year IRA CD | 48 months | 2.27% | $500 | not stated | not stated |
| 5-Year IRA CD | 60 months | 2.27% | $500 | not stated | not stated |
How State Bank of De Kalb behaves over time
- 12 months CD
- The same as 7 days ago.
- Rate last changed
- Aug 17, 2026(effective date)
$10,000 at the 3.34% APY State Bank of De Kalb advertises on 1-Year CD grows to $10,334 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,998 does today. See how the federal funds rate shapes savings rates.
State Bank of De Kalb CD rates over time
Who is State Bank of De Kalb?
| Headquarters | De Kalb, TX |
|---|---|
| Founded | 1937 |
| Scale | $521M assets · $458M deposits, $346M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 15463 |
Financial detail is in What State Bank of De Kalb pays on deposits above.
Common questions about State Bank of De Kalb
Is State Bank of De Kalb FDIC insured?
Yes. State Bank of De Kalb is FDIC insured under certificate 15463, so deposits are covered up to $250,000 per depositor, per ownership category.
Does State Bank of De Kalb have branches?
Yes. State Bank of De Kalb operates 7 branches according to FDIC branch records, in addition to its website and mobile apps.
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