Bank · FDIC insured
Charter Bank CD Rates
Charter Bank’s best CD rate is 4.50% APY on a 25-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Charter Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Charter Bank has the most branches. $10,000, best rate first.
This bank’s best
Charter Bank
4.50%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $960
Certificate 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
Charter Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.50%
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 Charter 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.
Certificate of Deposit
Up to 4.50%APY · 10 terms
Penalties may be imposed for early withdrawal. Interest compounds quarterly. Call for quote on CDs larger than $250,000.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $149 |
| 11 months | 3.90% | 4.15% | 4.15%3.90% $1k–$10k | $380 |
| 12 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $300 |
| 18 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $453 |
| 24 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $609 |
| 25 months | 4.25% | 4.50% | 4.50%4.25% $1k–$10k | $960 |
| 30 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $767 |
| 36 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $927 |
| 48 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $1,255 |
| 60 months | 2.75% | 3.00% | 3.00%2.75% $1k–$10k | $1,593 |
Sources (1)
- charterbanker.com/personal/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.25%APY · 8 terms
Includes Traditional IRA and Roth IRA CD terms ranging from 12 months to 5 years (6-month IRAs are not offered). Interest compounds quarterly. Penalties may be imposed for early withdrawal. Call for quote on CDs larger than $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 3.90% | $390 |
| 18 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $377 |
| 24 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $506 |
| 25 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 4.25% | $906 |
| 30 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $637 |
| 36 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $769 |
| 48 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $1,038 |
| 60 monthsApplies to IRA and Roth IRA CDs. Penalties may be imposed for early withdrawal. Interest compounds quarterly | 2.50% | $1,314 |
Sources (2)
All captured Sep 18, 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.