What are the current interest rates at Dieterich Bank?

Current rates for Dieterich Bank include: 12-Month CD: 3.70%, 18-Month CD: 3.70%, 24-Month CD: 3.10%, 36-Month CD: 3.10%, 48-Month CD: 3.05%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.15%

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Dieterich Bank

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Dieterich Bank Rates & Review September 2026

Q: How many branches does Dieterich Bank operate?

Dieterich Bank currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Dieterich Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dieterich Bank 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: September 18, 2026

Dieterich Bank's 12-Month Certificates of Deposit (CDs) rates are at 3.70%, 18-Month Certificates of Deposit (CDs) rates are at 3.70%, 9-Month Certificates of Deposit (CDs) rates are at 3.60%, 6-Month Certificates of Deposit (CDs) rates are at 3.55%, 3-Month Certificates of Deposit (CDs) rates are at 3.51%. Dieterich Bank's savings rates are at 0.10%. Dieterich Bank's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of Dieterich Bank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.69%. Rates last updated and verified on 09/18/2026.

Dieterich Bank 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 Dieterich Bank? Share your experience about Dieterich Bank by leaving a review below, or read customer reviews before you decide to use Dieterich Bank.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.69%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Dieterich Bank

300 Sur Woods Dr
Effingham, IL 62401

https://www.dieterichbank.com

Dieterich Bank CD Rates

Product	Rate	APY	Term
12 Month Certificates of Deposit (CDs)	3.64%	3.70%	12 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
18 Month Certificates of Deposit (CDs)	3.64%	3.70%	18 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
9 Month Certificates of Deposit (CDs)	3.54%	3.60%	9 Month
Min Balance $500 Details Penalty: 270 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
6 Month Certificates of Deposit (CDs)	3.49%	3.55%	6 Month
Min Balance $1,000 Details Penalty: 91 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
3 Month Certificates of Deposit (CDs)	3.45%	3.51%	3 Month
Min Balance $2,500 Details Penalty: 91 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
24 Month Certificates of Deposit (CDs)	3.06%	3.10%	24 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
36 Month Certificates of Deposit (CDs)	3.06%	3.10%	36 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
48 Month Certificates of Deposit (CDs)	3.01%	3.05%	48 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
60 Month Certificates of Deposit (CDs)	2.96%	3.00%	60 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
30 Month Certificates of Deposit (CDs)	2.47%	2.50%	30 Month
Min Balance $500 Details Penalty: 365 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
16 Month Green Savings Duo - Certificate of Deposit (CD)	-	0.85%	16-Month Term
Min Deposit $5,000 Details Low-risk, high-yield investment. Early Withdrawal Penalty. Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
16-Month Duo CD	0.85%	0.85%	16-Month
Min Balance $5,000 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
7 - 31 Day Certificates of Deposit (CDs)	0.10%	0.10%	7 - 31 Day
Min Balance $10,000 Details Penalty: 7 days Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Savings Rates

Product	Rate	APY
Extreme Green Savings (Monthly)	3.93%	4.00%
Min Balance $25 Details Balance: $0.01 - $20,000 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	1.49%	1.50%
Min Balance $2 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Health Savings Account (Monthly)	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Green Savings Duo - Savings Account	-	0.55%
Min Deposit $25 Details Funds can be withdrawn. Must deposit in this account in conjunction with a deposit to a Duo CD. Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.50%	0.50%
No additional details. Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Health Savings Account (Monthly)	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 + Balance; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 + Balance; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Health Savings Account (Monthly)	0.15%	0.15%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $4,999.99; Penalty: $3.00 fee if balance below $100 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Extreme Green Savings (Monthly)	0.10%	0.10%
Details All Balances Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.10%	0.10%
Min Balance $25 Details Balance: $0.01 - $4,999.99; Penalty: $3.00 fee if balance below $25 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Money Market Rates

Product	Rate	APY
Money Market Plus (Monthly)	1.05%	1.06%
Min Balance $500,000 Details Balance: $500,000 +; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Money Market	1.05%	1.05%
Min Balance $1,000 Details Balance: $500,000 + Balance; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $100,000 - $499,999.99; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Money Market Plus (Monthly)	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Money Market	0.25%	0.25%
Min Balance $1,000 Details Balance: $25,000 - $99,999.99; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Money Market Plus (Monthly)	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Penalty: n/a Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Money Market Plus (Monthly)	0.15%	0.15%
Min Balance $1,000 Details Balance: $0.01 - $24,999.99; Penalty: $5.00 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Checking Rates

Product	Rate	APY
Extreme Green Checking	3.93%	4.00%
Min Balance $25 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $10,000 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Dream Green Checking	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Exclusive Perks for your Financial Needs Enjoy a host of benefits tailored to you for the minimal fee of $5/month (if the account balance falls below $2,500). Free Checks One free order of Dream Green checks per year, on us. Banking discounts $5 discount on Safe Deposit Box. No Fees for license stickers or cashier's checks Green Checking advantages Unlimited Checking: Enjoy the freedom of unlimited transactions without any restrictions. eStatement Advantage : Opt for eStatements to streamline your account management. Digital Banking: Pay bills, move money, make deposits, and more with our online and mobile banking. $3 paper statement fee, waived with $5,000 minimum daily balance or if primary account owner is over 65 years of age. Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Exclusive Checking	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Unique benefits for our customers aged 55+ including free checks, banking discounts, and competitive interest rates. Monthly Fee $5.00 (Waived w/$2,500 balance) Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Extreme Green Checking	0.10%	0.10%
Details All Balances Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Now Green Checking	0.08%	0.08%
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Now Green Checking	-	0.08%
Min Deposit $1,000 Min Balance $1,000 Details Monthly fee of $5 (if balance falls below $1,000). $3 paper statement fee, waived with $5,000 minimum daily balance or if primary account owner is over 65 years of age. Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Individual Retirement Accounts (IRA)	0.60%	-	0.60%
Last Updated 09/18/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

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

Dieterich Bank’s Texas Ratio rose from 0.95% in Q3 2023 to 18.69% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B+. 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	$1.6B	18.69%	4.7	B+
March 31, 2026	$1.6B	14.30%	5.0	A-
December 31, 2025	$1.6B	15.25%	5.0	A-
September 30, 2025	$1.5B	4.91%	5.0	A+
June 30, 2025	$1.4B	2.98%	5.0	A+
March 31, 2025	$1.4B	1.71%	5.0	A+
December 31, 2024	$1.4B	1.70%	5.0	A+
September 30, 2024	$1.4B	1.39%	5.0	A+
June 30, 2024	$1.5B	1.96%	5.0	A+
March 31, 2024	$1.3B	1.11%	5.0	A+
December 31, 2023	$1.3B	1.13%	5.0	A+
September 30, 2023	$1.3B	0.95%	5.0	A+

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 Dieterich Bank 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 Dieterich Bank 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 Dieterich Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dieterich Bank

Bank Holding Company PRIME BANC CORP

Address 300 Sur Woods Dr, Effingham, IL 62401 · Effingham

Website https://www.dieterichbank.com

FDIC Certificate # 3787

Established 19090101

FDIC Insurance Date 19340101

Domestic Offices 17

Total Branches 17

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6848%

Return on Equity (ROE) 7.8800%

Non-Performing Loans (NPL) 1.26%

Total Assets $1,553,674,000

Total Deposits $1,327,210,000

Equity Capital $135,289,000

Net Income $5,332,000

Headquarters Effingham

Total Branches and Offices 17

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Dieterich Bank

How many branches does Dieterich Bank operate?

Dieterich Bank currently maintains approximately 17 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, Dieterich Bank 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, Dieterich Bank provides members with tools to manage their accounts and build a solid financial history.

Does Dieterich Bank offer online and mobile banking?

Most modern institutions like Dieterich Bank 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.dieterichbank.com.