Bank · FDIC insured
City State Bank CD Rates
Top CarrotCity State Bank’s best CD rate is 4.30% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How City State Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where City State Bank has the most branches. $10,000, best rate first.
This bank’s best
City State Bank
4.40%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $2,402
60 Month Relationship 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
City State Bank CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.30%
- 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 City 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.
60 Month Relationship CD
4.40%APY · 1 term
Must have a loan, deposit, or trust and investment account with City State Bank. Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsMust have a loan, deposit, or trust and investment account with City State Bank | 4.40% | $2,402 |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · captured Oct 5, 2026
Certificate of Deposit Accounts
Up to 4.30%APY · 8 terms
Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.95% | $73 |
| 6 months | 3.00% | $149 |
| 12 months | 3.15% | $315 |
| 18 months | 3.25% | $491 |
| 24 months | 3.50% | $712 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.85% | $1,631 |
| 60 months | 4.30% | $2,343 |
Sources (2)
All captured Oct 5, 2026
Certificate of Deposit SPECIALS
Up to 4.20%APY · 2 terms
Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
| Term | APY · Any balance | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 13 months | — | 4.05% | 4.10% | 4.15% | 4.05%4.10% $50k–$100k4.15% from $100k | $439 |
| 25 months | 4.20% | — | — | — | 4.20% | $895 |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · captured Oct 5, 2026
Special-purpose accounts
IRA Accounts
Up to 4.30%APY · 3 terms
Early withdrawal penalties may apply to all Certificate of Deposit Accounts. APY assumes interest remains on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.15% | $315 |
| 24 months | 3.50% | $712 |
| 60 months | 4.30% | $2,343 |
Sources (1)
- citystatebank.com/uploads/user…s/Deposit_Rate_Sheet.pdf · 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.