Bank · FDIC insured
First State Bank CD Rates
First State Bank’s best CD rate is 2.37% APY on a 5-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How First State Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where First State Bank has the most branches. $10,000, best rate first.
This bank’s best
First State Bank
2.27%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,188
60 Month 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
First State Bank CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 9–15 months9–15 mo1.46%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo2.27%
- QualifiedQualified2.27%
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 First 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.
60 Month Certificate of Deposit
2.27%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance method used.
| Term | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 months | 2.27% | 2.37% | 2.27%2.37% from $25k | $1,188 |
Sources (1)
- fsb-britt.com/rates.php · captured Sep 18, 2026
24 Month Certificate of Deposit
1.76%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance method used.
| Term | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months | 1.76% | 1.86% | 1.76%1.86% from $25k | $355 |
Sources (1)
- fsb-britt.com/rates.php · captured Sep 18, 2026
12 Month Certificate of Deposit
1.46%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance method used.
| Term | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 1.46% | 1.51% | 1.46%1.51% from $25k | $146 |
Sources (1)
- fsb-britt.com/rates.php · captured Sep 18, 2026
Special-purpose accounts
IRA/Roth/Coverdell Ed. 30 Month CD
1.91%APY · 1 term
A penalty will be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening. Covers IRA, Roth, and Coverdell Education savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsInterest rate and APY may change after account opening; penalty for early withdrawal | 1.91% | $484 |
Sources (1)
- fsb-britt.com/rates.php · 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.