Bank · FDIC insured
Community Bank & Trust CD Rates
Community Bank & Trust’s best CD rate is 4.00% APY on a 9-month CD, with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Community Bank & Trust’s CD rates compare
Compared with banks and credit unions in Iowa, where Community Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Community Bank & Trust
4.00%APY
- Term
- 9 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $299
Certificate of Deposit Account
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit Account
Up to 4.00%APY · 10 terms
*Eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 9 monthsRelationship bump rate; eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account | 4.00% | $299 |
| 9 monthsStandard rate for 9 Months SPECIAL | 3.90% | $291 |
| 12 months | 1.00% | $100 |
| 18 months | 1.00% | $150 |
| 19 monthsRelationship bump rate; eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account | 4.00% | $641 |
| 19 monthsStandard rate for 19 Months SPECIAL | 3.90% | $624 |
| 24 months | 1.00% | $201 |
| 30 months | 2.00% | $508 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (1)
- secure.commbk.net/Pages/cd-ira.html · 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.