Bank · FDIC insured
Community State Bank CD Rates
Community State Bank’s best CD rate is 3.29% APY on a 6-month CD. Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Community State Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where Community State Bank has the most branches. $10,000, best rate first.
This bank’s best
Community State Bank
3.29%APY
- Term
- 6 months
- Minimum
- $0
- Earns on $10,000
- $163
Certificate of Deposit
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Community State Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo2.63%
- 16–30 months16–30 mo2.78%
- QualifiedQualified3.29%
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 Community 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.
Certificate of Deposit
Up to 3.29%APY · 3 terms
Interest compounded on a quarterly basis; may be added to principal or issued by check. Substantial penalty for early withdrawal. Bank neither solicits nor accepts out of state commercial deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubstantial penalty for early withdrawal | 3.29% | $163 |
| 12 monthsSubstantial penalty for early withdrawal | 2.63% | $263 |
| 24 monthsSubstantial penalty for early withdrawal | 2.78% | $564 |
Special-purpose accounts
IRA
2.78%APY · 1 term
Offers traditional IRAs, Roth IRAs, and SEPs. Interest compounded quarterly; rate equivalent to the rate paid on the longest certificate of deposit offered (24 month CD).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsInterest rate is equivalent to the rate paid on the longest certificate of deposit offered by Community State Bank | 2.78% | $564 |
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.