Bank · FDIC insured
Central State Bank CD Rates
Top CarrotCentral State Bank’s best CD rate is 4.25% APY on a 15-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Central State Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Central State Bank has the most branches. $10,000, best rate first.
This bank’s best
Central State Bank
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000
- $534
Certificates of Deposit
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
Central State Bank CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.48%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.43%
- 31–60 months31–60 mo3.23%
- QualifiedQualified4.25%
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 Central State Bank 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.
Certificates of Deposit
Up to 4.25%APY · 9 terms
Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months. No maintenance fees. Accounts automatically renew.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.48% | $173 |
| 9 monthsSpecial CD term | 4.20% | $313 |
| 12 months | 3.58% | $358 |
| 15 monthsSpecial CD term | 4.25% | $534 |
| 18 months | 3.43% | $519 |
| 24 months | 3.33% | $677 |
| 36 months | 3.23% | $1,001 |
| 48 months | 3.12% | $1,308 |
| 60 months | 3.02% | $1,604 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.