Bank · FDIC insured
Federation Bank CD Rates
A $155.8M bank headquartered in Washington, IA, with 4 branches in Iowa.
How Federation Bank’s CD rates compare
Compared with banks and credit unions near Iowa City, IA, where Federation Bank has the most branches. $10,000, best rate first.
This bank’s best
Federation Bank
4.10%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $657
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Veridian Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.10%APY · 13 terms
Early withdrawal penalty may be imposed on all CDs. FDIC insured up to $250,000. CD Specials and CDARS available.
| Term | APY · Any balance | APY · $500 – $100,000 | APY · $100,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.20% | — | — | 0.20% | $5 |
| 6 months | 0.30% | — | — | 0.30% | $15 |
| 7 months | 3.68% | — | — | 3.68% | $213 |
| 9 months | 3.75% | — | — | 3.75% | $280 |
| 12 months | 0.55% | — | — | 0.55% | $55 |
| 13 months | 4.00% | — | — | 4.00% | $434 |
| 18 months | 0.60% | — | — | 0.60% | $90 |
| 19 months | — | 4.10% | 4.30% | 4.10%4.30% from $100k | $657 |
| 24 months | 0.70% | — | — | 0.70% | $140 |
| 30 months | 0.80% | — | — | 0.80% | $201 |
| 36 months | 0.95% | — | — | 0.95% | $288 |
| 48 months | 1.05% | — | — | 1.05% | $427 |
| 60 months | 1.10% | — | — | 1.10% | $562 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.10%APY · 13 terms
All regular certificate terms are available for IRAs and HSAs with a $250.00 minimum opening deposit to earn APY. Early withdrawal penalty may be imposed.
| Term | APY · Any balance | APY · $500 – $100,000 | APY · $100,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.20% | — | — | 0.20% | $5 |
| 6 months | 0.30% | — | — | 0.30% | $15 |
| 7 months | 3.68% | — | — | 3.68% | $213 |
| 9 months | 3.75% | — | — | 3.75% | $280 |
| 12 months | 0.55% | — | — | 0.55% | $55 |
| 13 months | 4.00% | — | — | 4.00% | $434 |
| 18 months | 0.60% | — | — | 0.60% | $90 |
| 19 months | — | 4.10% | 4.30% | 4.10%4.30% from $100k | $657 |
| 24 months | 0.70% | — | — | 0.70% | $140 |
| 30 months | 0.80% | — | — | 0.80% | $201 |
| 36 months | 0.95% | — | — | 0.95% | $288 |
| 48 months | 1.05% | — | — | 1.05% | $427 |
| 60 months | 1.10% | — | — | 1.10% | $562 |
Sources (1)
- federationbankia.com/rates · 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.