Bank · FDIC insured
FreedomBank CD Rates
FreedomBank’s best CD rate is 4.30% APY on a 1-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How FreedomBank’s CD rates compare
Compared with banks and credit unions in Iowa, where FreedomBank has the most branches. $10,000, best rate first.
This bank’s best
FreedomBank
4.14%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $414
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
FreedomBank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 9–15 months9–15 mo4.14%
- 16–30 months16–30 mo3.99%
- 31–60 months31–60 mo3.79%
- QualifiedQualified4.14%
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 FreedomBank 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.
Certificate of Deposit
Up to 4.14%APY · 9 terms
$1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
| Term | APY · Up to $25,000 | APY · $25,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| UnknownTerm: 182 Day | 4.14% | 4.14% | 4.30% | 4.14%4.14% $25k–$100k4.30% from $100k | $0 |
| UnknownTerm: 91 Day | 3.91% | 3.91% | 3.91% | 3.91%3.91% $25k–$100k3.91% from $100k | $0 |
| 12 months | 4.14% | 4.14% | 4.30% | 4.14%4.14% $25k–$100k4.30% from $100k | $414 |
| 18 months | 3.99% | 3.99% | 4.14% | 3.99%3.99% $25k–$100k4.14% from $100k | $604 |
| 24 months | 3.99% | 3.99% | 4.14% | 3.99%3.99% $25k–$100k4.14% from $100k | $814 |
| 30 months | 3.99% | 3.99% | 4.14% | 3.99%3.99% $25k–$100k4.14% from $100k | $1,028 |
| 36 months | 3.79% | 3.79% | 4.04% | 3.79%3.79% $25k–$100k4.04% from $100k | $1,181 |
| 42 months | 3.79% | 3.79% | 4.04% | 3.79%3.79% $25k–$100k4.04% from $100k | $1,391 |
| 48 months | 3.79% | 3.79% | 4.04% | 3.79%3.79% $25k–$100k4.04% from $100k | $1,604 |
| 60 months | 3.79% | 3.79% | 4.04% | 3.79%3.79% $25k–$100k4.04% from $100k | $2,044 |
Sources (1)
- freedombnk.com/Pages/depositrates.html · captured Sep 24, 2026
Special-purpose accounts
IRA, SEP, KEOGH Certificate of Deposit
4.18%APY
Substantial penalty for early withdrawals applies. Retirement accounts insured up to $250,000 by the FDIC. $1,000 minimum deposit required to open certificates. APY and rates subject to change at any time. Applicable to IRA, SEP, KEOGH.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 4.18% | $418 |
| $25,000 – $100,000 | 4.18% | — |
| $100,000 and up | 4.34% | — |
Sources (1)
- freedombnk.com/Pages/depositrates.html · captured Sep 24, 2026
Variable Rate IRA
3.56%APY
Variable rate IRA certificate. Substantial penalty for early withdrawals applies. Retirement accounts insured up to $250,000 by the FDIC. $1,000 minimum deposit required to open certificates. APY and rates subject to change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 3.56% | $356 |
| $25,000 – $100,000 | 3.56% | — |
| $100,000 and up | 3.56% | — |
Sources (1)
- freedombnk.com/Pages/depositrates.html · captured Sep 24, 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.