Bank · FDIC insured
Bankers Trust CD Rates
Top CarrotBankers Trust’s best CD rate is 4.40% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bankers Trust’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Bankers Trust has the most branches. $10,000, best rate first.
This bank’s best
Bankers Trust
4.40%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $478
Bankers Trust Certificate of Deposit (CD)
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Bankers Trust CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.29%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo1.85%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bankers Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Bankers Trust Certificate of Deposit (CD)
Up to 4.40%APY · 13 terms
$1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase rate (Consumer Rate Sheet) | 3.55% | $88 |
| 3–6 monthsBase rate (Consumer Rate Sheet) (91-181 Days) | 1.10% | $27 |
| 3 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 3.75% | $92 |
| 3–6 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (91-181 Days) | 1.31% | $33 |
| 3 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 3.96% | $98 |
| 3–6 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (91-181 Days) | 1.51% | $38 |
| 3 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.06% | $100 |
| 3–6 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (91-181 Days) | 1.61% | $40 |
| 3 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 3.85% | $95 |
| 3–6 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (91-181 Days) | 1.41% | $35 |
| 6–12 monthsBase rate (Consumer Rate Sheet) (182-364 Days) | 1.20% | $60 |
| 6–12 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (182-364 Days) | 1.40% | $70 |
| 6–12 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (182-364 Days) | 1.61% | $80 |
| 6–12 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (182-364 Days) | 1.71% | $85 |
| 6–12 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (182-364 Days) | 1.51% | $75 |
| 7 monthsBase rate (Consumer Rate Sheet) | 3.78% | $219 |
| 7 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 3.98% | $230 |
| 7 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 4.19% | $242 |
| 7 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.29% | $248 |
| 7 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 4.08% | $236 |
| 8 monthsBase rate (Consumer Rate Sheet) | 3.77% | $250 |
| 8 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 3.98% | $264 |
| 8 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 4.18% | $277 |
| 8 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.28% | $283 |
| 8 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 4.08% | $270 |
| 9 monthsBase rate (Consumer Rate Sheet) | 3.77% | $281 |
| 9 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 3.97% | $296 |
| 9 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 4.17% | $311 |
| 9 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.27% | $319 |
| 9 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 4.07% | $304 |
| 10 monthsBase rate (Consumer Rate Sheet) | 3.76% | $312 |
| 10 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 3.96% | $329 |
| 10 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 4.16% | $345 |
| 10 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.27% | $355 |
| 10 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 4.06% | $337 |
| 12–23 monthsBase rate (Consumer Rate Sheet) (12-23 Months) | 1.30% | $130 |
| 12–23 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (12-23 Months) | 1.50% | $150 |
| 12–23 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (12-23 Months) | 1.70% | $170 |
| 12–23 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (12-23 Months) | 1.80% | $180 |
| 12–23 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (12-23 Months) | 1.60% | $160 |
| 13 monthsBase rate (Consumer Rate Sheet) | 3.90% | $423 |
| 13 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 4.10% | $445 |
| 13 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 4.30% | $467 |
| 13 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 4.40% | $478 |
| 13 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 4.20% | $456 |
| 24–35 monthsBase rate (Consumer Rate Sheet) (24-35 Months) | 1.35% | $272 |
| 24–35 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (24-35 Months) | 1.55% | $312 |
| 24–35 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (24-35 Months) | 1.75% | $353 |
| 24–35 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (24-35 Months) | 1.85% | $373 |
| 24–35 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (24-35 Months) | 1.65% | $333 |
| 36–47 monthsBase rate (Consumer Rate Sheet) (36-47 Months) | 1.40% | $426 |
| 36–47 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (36-47 Months) | 1.60% | $488 |
| 36–47 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (36-47 Months) | 1.80% | $550 |
| 36–47 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (36-47 Months) | 1.90% | $581 |
| 36–47 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (36-47 Months) | 1.70% | $519 |
| 48–59 monthsBase rate (Consumer Rate Sheet) (48-59 Months) | 1.45% | $593 |
| 48–59 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) (48-59 Months) | 1.65% | $677 |
| 48–59 monthsLoyalty Program Gold Tier (Base + 0.40% IR) (48-59 Months) | 1.85% | $761 |
| 48–59 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) (48-59 Months) | 1.95% | $803 |
| 48–59 monthsLoyalty Program Silver Tier (Base + 0.30% IR) (48-59 Months) | 1.75% | $719 |
| 60 monthsBase rate (Consumer Rate Sheet) | 1.50% | $773 |
| 60 monthsLoyalty Program Bronze Tier (Base + 0.20% IR) | 1.70% | $879 |
| 60 monthsLoyalty Program Gold Tier (Base + 0.40% IR) | 1.90% | $987 |
| 60 monthsLoyalty Program Platinum Tier (Base + 0.50% IR) | 2.00% | $1,041 |
| 60 monthsLoyalty Program Silver Tier (Base + 0.30% IR) | 1.80% | $933 |
Sources (2)
- bankerstrust.com/personal/certificates-of-deposit
- bankerstrust.com/certificate-of-deposit-cd-agreement
All captured Oct 9, 2026
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