What are the current interest rates at Central State Bank Clayton, IL?

Current rates for Central State Bank Clayton, IL include: 12-Month CD: 1.41%, 18-Month CD: 1.41%, 24-Month CD: 1.76%, 36-Month CD: 2.02%, 48-Month CD: 2.27%, 60-Month CD: 2.52%, Savings: 0.25%, MMA: 0.45%

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Central State Bank Clayton, IL

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Central State Bank Clayton, IL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central State Bank Clayton, IL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Central State Bank Clayton, IL's top rates as of October 11, 2026 are 3.91% APY on its 15-Months 15-Month CD Special, 0.25% APY on savings, 0.45% APY on money market accounts, 2.27% APY on checking, and 7.125% on its 15 Year Fixed Rate mortgage, according to rates verified by MonitorBankRates. Other Central State Bank Clayton, IL CD rates include 60-Months 60-Month CD at 2.52%, 48-Months 48-Month CD at 2.27%, and 30-Months 30-Month CD at 2.02%. Other Central State Bank Clayton, IL mortgage rates include 30 Year Fixed Rate at 7.625%. MonitorBankRates evaluates the financial stability of Central State Bank Clayton, IL with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.04%. Rates last updated and verified on 10/11/2026.

Central State Bank Clayton, IL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central State Bank Clayton, IL? Share your experience about Central State Bank Clayton, IL by leaving a review below, or read customer reviews before you decide to use Central State Bank Clayton, IL.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.04%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Central State Bank

100 W Main St
Clayton, IL 62324

https://www.csb123.com/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Central State Bank Clayton, IL CD Rates

Product	Rate	APY	Term
15 month CD Special	3.85%	3.91%	15 Months
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
60 month CD	2.50%	2.52%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
48 month CD	2.25%	2.27%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 2.27% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
30 month CD	2.00%	2.02%	30 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
36 month CD	2.00%	2.02%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
24 month CD	1.75%	1.76%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
12 month CD	1.40%	1.41%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
18 month CD	1.40%	1.41%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
182 Days CD	1.30%	1.31%	182 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
91 Days CD	1.20%	1.21%	91 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Central State Bank Clayton, IL Savings Rates

Product	Rate	APY	View More
Passbook Savings	0.25%	0.25%
Min Deposit $50 Min Balance $50 Details Interest compounded quarterly on CDs, IRA CDs and Passbook Savings Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Central State Bank Clayton, IL Money Market Rates

Product	Rate	APY
Money Market Accounts	0.45%	0.45%
Min Balance $50,000 Details Balance: $50,000+; Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market Accounts	0.35%	0.35%
Min Balance $25,000 Details Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market Accounts	0.25%	0.25%
Min Balance $2,500 Details Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
Money Market Accounts	0.25%	0.25%
Min Balance $10,000 Details Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Central State Bank Clayton, IL Checking Rates

Product	Rate	APY
REWARDS Checking	2.25%	2.27%
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Must maintain an average daily balance greater than $1,000 during qualification cycle; Must conduct a minimum of 10 Debit Card transactions (excluding ATM transactions) during qualification cycle; Must be enrolled to receive e-Statements; Must receive at least one direct deposit or ACH deposit each month; Must log in to your Internet Banking at least once during the qualification cycle; Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
REWARDS Checking	-	0.50%
Min Balance $50,000 Details You will receive 0.50% APY on balances of $50,000.01 and above. Nationwide ATM fee refunds (up to $20.00 per month). There will be no charge for using our Internet Banking Bill-Pay Service . If there is a month that you don't meet the qualifications, don't worry, there's no penalty and you still have a FREE checking account that earns a base interest. Last Updated 10/11/2026 Rate History 3 changes since Sep 11, 2026 · 2.25% → 0.50% ▼ 1.75 pts · high 2.27% / low 0.50% Sep 27, 20260.50%▼ from 2.27% Sep 24, 20262.27%▲ from 0.50% Sep 19, 20260.50%▼ from 2.25% Sep 11, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Central State Bank Clayton, IL Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate	7.125%	-	7.203%
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 5.84% → 7.20% ▲ 1.37 pts · high 7.20% / low 5.84% Oct 1, 20267.20%▲ from 5.84% Sep 19, 20265.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%
30 Year Fixed Rate	7.625%	-	7.675%
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.68% → 7.68% ▲ 1.00 pts · high 7.68% / low 6.68% Oct 1, 20267.68%▲ from 6.68% Sep 19, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Central State Bank Clayton, IL Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW Accounts	0.25%	-	0.25%
Min Balance $1,000 Details Interest compounded monthly on NOW, Money Market and REWARD Checking accounts Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Central State Bank Clayton, IL’s Texas Ratio fell from 23.94% in Q3 2023 to 12.04% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 5.0 and its Health Grade from B- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$175M	12.04%	5.0	A
March 31, 2026	$178M	14.64%	5.0	A-
December 31, 2025	$177M	19.16%	4.7	B
September 30, 2025	$176M	20.98%	4.5	B
June 30, 2025	$180M	24.21%	4.2	B-
March 31, 2025	$181M	22.34%	4.4	B-
December 31, 2024	$175M	20.49%	4.5	B
September 30, 2024	$172M	17.22%	4.8	B+
June 30, 2024	$173M	18.01%	4.8	B+
March 31, 2024	$169M	17.29%	4.8	B+
December 31, 2023	$166M	20.88%	4.5	B
September 30, 2023	$160M	23.94%	4.3	B-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central State Bank Clayton, IL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central State Bank Clayton, IL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central State Bank Clayton, IL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central State Bank Clayton, IL

Bank Holding Company CLAYTON BANCSHARES INC

Address 100 W Main St, Clayton, IL 62324 · Adams

Website https://www.csb123.com/

FDIC Certificate # 8487

Established 19280501

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.9425%

Return on Equity (ROE) 16.9600%

Non-Performing Loans (NPL) 2.02%

Total Assets $175,056,000

Total Deposits $143,233,000

Equity Capital $31,255,000

Net Income $2,601,000

Headquarters Clayton

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central State Bank Clayton, IL earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Central State Bank Clayton, IL

How many branches does Central State Bank Clayton, IL operate?

Central State Bank Clayton, IL currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central State Bank Clayton, IL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central State Bank Clayton, IL provides members with tools to manage their accounts and build a solid financial history.

Does Central State Bank Clayton, IL offer online and mobile banking?

Most modern institutions like Central State Bank Clayton, IL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csb123.com/.