Bank · FDIC insured
First State Bank CD Rates
A $129.7M bank headquartered in Stuart, IA, with 4 branches in Iowa.
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
3.80%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,050
Certificates 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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.80%APY · 9 terms
Excludes institutional investors, brokered accounts, or public funds.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Days. Interest Paid Monthly | 2.75% | $68 |
| 6 months182 Days. Interest Paid Monthly | 3.40% | $169 |
| 12 monthsInterest Paid Monthly | 3.50% | $350 |
| 18 monthsInterest Paid Monthly | 3.55% | $537 |
| 24 monthsInterest Paid Monthly | 3.60% | $733 |
| 30 monthsInterest Paid Monthly | 3.65% | $938 |
| 36 monthsInterest Paid Monthly | 3.70% | $1,152 |
| 48 monthsInterest Paid Monthly | 3.75% | $1,587 |
| 60 monthsInterest Paid Monthly | 3.80% | $2,050 |
Sources (1)
- stuartbank.com/deposit/cds · captured Oct 5, 2026
Special-purpose accounts
Traditional & Roth IRA CD
Up to 3.70%APY · 3 terms
Excludes institutional investors, brokered accounts or public funds.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.60% | $733 |
| 36 months | 3.70% | $1,152 |
Sources (1)
- stuartbank.com/content/certificates-deposit · 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.