Bank · FDIC insured
Community State Bank CD Rates
Community State Bank’s best CD rate is 4.04% APY on a 30-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community State Bank’s CD rates compare
Compared with banks and credit unions near Spencer, IA, where Community State Bank has the most branches. $10,000, best rate first.
This bank’s best
Community State Bank
4.04%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,041
Certificate of Deposit
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
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
Community State Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.73%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo3.28%
- QualifiedQualified4.04%
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 4.04%APY · 10 terms
Fixed rate for entirety of term. Early withdrawal subject to penalty. Multiple reinvestment and cash-out options when term expires.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.52% | — | 1.52% | $38 |
| 3 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 2.03% | 2.03% | $50 |
| 6 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.93% | — | 1.93% | $96 |
| 6 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 3.55% | 3.55% | $176 |
| 9 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.79% | — | 1.79% | $134 |
| 9 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 2.80% | 2.80% | $209 |
| 12 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 2.83% | — | 2.83% | $283 |
| 12 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 3.73% | 3.73% | $373 |
| 18 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 2.02% | — | 2.02% | $305 |
| 18 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 2.77% | 2.77% | $418 |
| 24 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.86% | — | 1.86% | $375 |
| 24 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 2.63% | 2.63% | $533 |
| 30 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 2.00% | — | 2.00% | $508 |
| 30 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 4.04% | 4.04% | $1,041 |
| 36 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.90% | — | 1.90% | $581 |
| 36 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 2.69% | 2.69% | $829 |
| 48 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 1.98% | — | 1.98% | $816 |
| 48 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 3.28% | 3.28% | $1,378 |
| 60 monthsMinimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty | 2.62% | — | 2.62% | $1,380 |
| 60 monthsMinimum deposit of $10,000 to obtain APY. Early withdrawal subject to penalty | — | 3.03% | 3.03% | $1,610 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Fixed IRA CD
Up to 4.04%APY · 10 terms
Fixed IRA Rates are the same as Regular CD Rates for "Minimum Deposit of $10,000". Certificates of Deposit subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 2.03% | $50 |
| 6 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 3.55% | $176 |
| 9 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 2.80% | $209 |
| 12 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 3.73% | $373 |
| 18 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 2.77% | $418 |
| 24 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 2.63% | $533 |
| 30 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 4.04% | $1,041 |
| 36 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 2.69% | $829 |
| 48 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 3.28% | $1,378 |
| 60 monthsFixed IRA rates match Regular CD rates for minimum deposit of $10,000. Early withdrawal subject to penalty | 3.03% | $1,610 |
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.