Bank · FDIC insured
Clear Lake Bank and Trust Company CD Rates
Clear Lake Bank and Trust Company’s best CD rate is 4.27% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Clear Lake Bank and Trust Company’s CD rates compare
Compared with banks and credit unions near Mason City, IA, where Clear Lake Bank and Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Clear Lake Bank and Trust Company
4.27%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $319
CDs (Certificates of Deposit)
Top rate
CENT Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $920
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Clear Lake Bank and Trust Company CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.23%
- 9–15 months9–15 mo4.27%
- 16–30 months16–30 mo3.01%
- 31–60 months31–60 mo3.05%
- QualifiedQualified4.27%
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 Clear Lake Bank and Trust Company 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.
CDs (Certificates of Deposit)
Up to 4.27%APY · 11 terms
Early withdrawal penalties apply. Limited time only. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 3.00% | $74 |
| 6 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 3.23% | $160 |
| 9 monthsCD SPECIAL #1. Limited time only. Early withdrawal penalties apply. Fees may reduce earnings | 4.27% | $319 |
| 12 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 3.10% | $310 |
| 15 monthsCD SPECIAL #2. Limited time only. Early withdrawal penalties apply. Fees may reduce earnings | 4.26% | $535 |
| 18 monthsAdd on CD. Early withdrawal penalties apply. Fees may reduce earnings | 3.01% | $455 |
| 24 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 2.80% | $568 |
| 27 monthsOne time interest bump up. Early withdrawal penalties apply. Fees may reduce earnings | 2.85% | $653 |
| 36 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 2.85% | $880 |
| 48 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 2.95% | $1,233 |
| 60 monthsEarly withdrawal penalties apply. Fees may reduce earnings | 3.05% | $1,621 |
Sources (1)
- clearlakebank.bank/personal-banking/cd-rates · 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.