stepup cd
Personal Savings

At Midland States Bank, you get more than great rates – you get people who really care.


Rates start at 1.16% and rise to 1.90% over a 12 month term.

At Midland States Bank, we value long-term relationships – and we think you will, too. Investing in a Midland CD is a steady, dependable way to meet your financial goals.

Download the PDF and bring it with you to your local branch to get started with your CD today.



Interest rates are set at the time the CD is opened and cannot change. Blended Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Unless you elect to withdraw the accrued interest, interest will compound and credit every three (3) months for twelve (12) months. Penalty will be imposed for early withdrawal. Advertised interest rate and APY are offered at the bank’s discretion and may change without notice. Fees could reduce earnings on the account. Minimum opening deposit is $1,000. The interest rate increases every 3 months; 1–3 months: 1.16% APY, 4-6 months: 1.35% APY, 7-9 months: 1.60% APY, 10-12 months: 1.90% APY. The interest rate will remain in effect for 3 months, then the rate will automatically increase every 3 months until maturity. Minimum balance of $1,000 required to obtain the APY. The CD is automatically renewed into a 12 Month Standard CD. Not available to Public Funds or Financial Institutions.

Minimum opening balance varies
Minimum daily balance to earn interest $0.01
Light Grey

Features & Benefits

Fixed rates

Get a clear picture of your future earnings
with fixed rates.

Flexible terms

Terms are available from 1 week to 5 years.
Choose what works best for you.