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: 4.00%, MMA: 1.06%

MonitorBankRates

☰

Home›
Banks›
Dieterich Bank

iAdvertiser Disclosure

Dieterich Bank Rates & Review October 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: October 14, 2026

Dieterich Bank's top rates as of October 14, 2026 are 3.70% APY on its Certificates of Deposit (CDs) - 12-Month CD, 4.00% APY on savings, 1.06% APY on money market accounts, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other Dieterich Bank CD rates include Certificates of Deposit (CDs) - 18-Month at 3.70%, Certificates of Deposit (CDs) - 9-Month at 3.60%, and Certificates of Deposit (CDs) - 6-Month at 3.55%. 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 10/14/2026.

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

Customer Reviews

Be the first to review

Write a Review

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.

Dieterich Bank CD Rates

Product	Rate	APY	Term
Certificates of Deposit (CDs) - 12 Month	3.64%	3.70%	12 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 18 Month	3.64%	3.70%	18 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 9 Month	3.54%	3.60%	9 Month
Min Balance $500 Details Penalty: 270 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 6 Month	3.49%	3.55%	6 Month
Min Balance $1,000 Details Penalty: 91 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.55% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 3 Month	3.45%	3.51%	3 Month
Min Balance $2,500 Details Penalty: 91 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 24 Month	3.06%	3.10%	24 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.10% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 36 Month	3.06%	3.10%	36 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.10% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 48 Month	3.01%	3.05%	48 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 60 Month	2.96%	3.00%	60 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 30 Month	2.47%	2.50%	30 Month
Min Balance $500 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY 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 months
Min Deposit $5,000 Details Low-risk, high-yield investment; Early Withdrawal Penalty Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
16-Month Duo CD	0.85%	0.85%	16 months
Min Balance $5,000 Details Penalty: 365 days Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Certificates of Deposit (CDs) - 7 - 31 Day	0.10%	0.10%	7 - 31 Day
Min Balance $10,000 Details Penalty: 7 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY 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 Deposit $25 Min Balance $25 Details Qualifications Required: Qualifications must be met each monthly qualification cycle in the Extreme Green Checking account; Illinois Counties Only (Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, Washington); Balance: $0.01 - $20,000; Primary owner must be primary owner on an Extreme Green Checking Account; Balances over $20,000 earn 0.20% rate with 4.00% - 0.20% APY; If qualifications are not met, all balances earn 0.10% APY; Minimum to open is $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Christmas Club Account (Annually)	1.49%	1.50%
Min Balance $2 Details Penalty: n/a Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 4 times 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 +; Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Green Savings Duo - Savings Account	-	0.55%
Min Balance $25 Details No commitment, total liquidity; Funds can be withdrawn; Must deposit in this account in conjunction with a deposit to a Duo CD Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.55% APY · checked 7 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Super Green Savers (Kids Account)	0.50%	0.50%
Details Account holder will be automatically rolled into our regular savings account, Save Green, at age 13. Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 4 times 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; Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 5 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.35%	0.35%
Details Balance: $100,000 + Balance Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.35% ▼ 0.15 pts · high 0.50% / low 0.35% Oct 14, 20260.35%▼ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Save Green Personal Savings (Quarterly)	0.20%	0.20%
Details Balance: $25,000 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.20% ▼ 0.30 pts · high 0.50% / low 0.20% Oct 14, 20260.20%▼ from 0.50% Sep 18, 20260.50%first recorded 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; Rates may change after account is opened. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times 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; Minimum balance: $25.00; Penalty: $3.00 fee if balance below $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Business Savings Rates

Product	Rate	APY
Business Savings (Quarterly)	0.20%	0.20%
Details Balance: $100,000 + Balance Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.15%	0.15%
Details Balance: $25,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Savings (Quarterly)	0.10%	0.10%
Min Balance $100 Details Balance: $0.01 - $4,999.99; Minimum Balance: $100.00; Penalty: $3.00 fee if balance below $100 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 4 times 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%
Details Balance: $500,000 + Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Money Market Plus (Monthly)	0.50%	0.50%
Details Balance: $100,000 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Money Market Plus (Monthly)	0.25%	0.25%
Details Balance: $25,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 4 times 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; Minimum Balance: $1,000; Penalty: $5.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Business Money Market Rates

Product	Rate	APY
Business Money Market Plus	1.05%	1.05%
Min Balance $500,000 Details Balance: $500,000 + Balance; Minimum Balance: $1,000; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.05% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Money Market Plus	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Minimum Balance: $1,000; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Business Money Market Plus	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Minimum Balance: $1,000; Minimum Balance Penalty: $5; Monthly Fee: n/a Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Checking Rates

Product	Rate	APY
Extreme Green Checking (Monthly)	3.93%	4.00%
Min Deposit $25 Min Balance $25 Details Qualifications Required; Illinois counties only (Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, Washington); Balance: $0.01 - $10,000; Balances up to $10,000 earn 4.00% APY if qualifications are met; ATM fee reimbursement up to $15 per monthly cycle; Minimum to open is $25; Rates may change after account is opened Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Now Green Checking	0.08%	0.08%
Min Balance $1,000 Details Penalty: $5.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 8 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%

Dieterich Bank Other Rates

Product	Rate	Points	APY/APR
Dream Green	-	-	0.30%
Min Deposit $2,500 Details Unique benefits for customers aged 55+; Monthly Fee: $5.00 (Waived w/$2,500 balance) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.69%
Individual Retirement Accounts (IRA)	0.60%	-	0.60%
Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Customer Reviews

There are no reviews for Dieterich Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Dieterich Bank

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.

Current Dieterich Bank Rates

12-Month CD3.70%
18-Month CD3.70%
24-Month CD3.10%
36-Month CD3.10%
48-Month CD3.05%
60-Month CD3.00%
Savings4.00%
MMA1.06%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Peoples Bank Lebanon, KY FNB of Fort Stockton Fusion Bank Cornerstone Bank Fargo, ND Cvnb First Federal Community Bank of Bucyrus Asian Pacific National Bank Cape Cod Co-operative Bank Elderton State Bank Nano Banc Milli United State Bank Lewistown, MO First Community Bank of the Heartland Liberty Trust & Savings Bank Tanager Bank First Harrison Bank Bank of New Madrid Citizens Community Bank Winchester, TN First Nebraska Bank Dieterich Bank North State Bank

Dieterich Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Dieterich Bank Texas Ratio

Dieterich Bank Health Trend

Dieterich Bank CD Rates

Dieterich Bank Savings Rates

Dieterich Bank Business Savings Rates

Dieterich Bank Money Market Rates

Dieterich Bank Business Money Market Rates

Dieterich Bank Checking Rates

Dieterich Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Customer Reviews

Frequently Asked Questions About Dieterich Bank

How many branches does Dieterich Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Dieterich Bank offer online and mobile banking?

Current Dieterich Bank Rates

Compare to Other Banks