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Bank · FDIC insured

Exchange State Bank CD Rates

Exchange State Bank’s best CD rate is 4.25% APY on a 4-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Exchange State Bank’s CD rates compare

Compared with banks and credit unions near Ames, IA, where Exchange State Bank has the most branches. $10,000, best rate first.

  • This bank’s best

    Exchange State Bank

    4.25%APY

    Term
    48 months
    Minimum
    $1,000
    Earns on $10,000
    $1,811

    Certificates of Deposit

  • Top rate

    Fidelity Bank

    4.50%APY

    Term
    20 months
    Minimum
    $5,000
    Earns on $10,000
    $761

    Fidelity Bank rates

  • 2nd-highest rate

    Midwest Heritage

    4.50%APY

    Term
    24 months
    Minimum
    —
    Earns on $10,000
    $920

    Midwest Heritage rates

Compare CD rates near you →

Exchange State Bank CD score

88

CD score

Higher than 81% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo3.55%
  • 16–30 months16–30 mo3.25%
  • 31–60 months31–60 mo4.25%
  • QualifiedQualified4.25%

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.

How the score works →

Where Exchange 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.

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.

Visit institution website ↗Branches and institution details
← Exchange State Bank overview