Bank · FDIC insured
Earlham Bank CD Rates
Top CarrotEarlham Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Earlham Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Earlham Bank has the most branches. $10,000, best rate first.
This bank’s best
Earlham Bank
3.85%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $385
Certificates of Deposit
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
Earlham Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.85%
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 Earlham 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.
Certificates of Deposit
Up to 3.85%APY · 8 terms
Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
| Term | APY · $1,000 – $15,000 | APY · $15,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownTerm: 182 Days. Interest Paid: At Maturity. Automatically Renewable: Yes | 3.50% | 3.65% | 3.50%3.65% from $15k | $0 |
| UnknownTerm: 91 Days. Interest Paid: At Maturity. Automatically Renewable: Yes | 2.60% | 2.75% | 2.60%2.75% from $15k | $0 |
| 12 monthsTerm: 12 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.85% | 4.00% | 3.85%4.00% from $15k | $385 |
| 18 monthsTerm: 18 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.85% | 4.00% | 3.85%4.00% from $15k | $583 |
| 24 monthsTerm: 24 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.85% | 4.00% | 3.85%4.00% from $15k | $785 |
| 30 monthsTerm: 30 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.85% | 4.00% | 3.85%4.00% from $15k | $990 |
| 36 monthsTerm: 36 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.65% | 3.80% | 3.65%3.80% from $15k | $1,135 |
| 48 monthsTerm: 48 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.65% | 3.80% | 3.65%3.80% from $15k | $1,542 |
| 60 monthsTerm: 60 Months. Interest Paid: Quarterly. Automatically Renewable: Yes | 3.65% | 3.80% | 3.65%3.80% from $15k | $1,963 |
Sources (1)
- earlhambank.com/personal-banki…nal-certificates-deposit · captured Oct 5, 2026
Opening an account
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