Bank · FDIC insured
Investment Savings Bank CD Rates
Investment Savings Bank’s best CD rate is 4.04% APY on a 30-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Investment Savings Bank’s CD rates compare
Compared with banks and credit unions near Altoona, PA, where Investment Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Investment Savings Bank
4.04%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,041
Certificates of Deposit
Top rate
ARC Federal Credit Union
4.33%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,363
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Investment Savings Bank CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.52%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo0.50%
- QualifiedQualified4.04%
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 Investment Savings 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.
Certificates of Deposit
Up to 4.04%APY · 13 terms
A penalty is imposed for early withdrawal prior to the maturity date. CDs automatically renew.
| Term | APY · $500 and up | APY · $1,000 – $10,000 | APY · $2,500 and up | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 month7-31 Day term. Penalty for early withdrawal | — | — | 0.10% | — | — | 0.10% | $0 |
| 3 months91 Day term. Penalty for early withdrawal | — | — | 0.15% | — | — | 0.15% | $4 |
| 5 monthsPenalty for early withdrawal | 3.50% | — | — | — | — | 3.50% | $144 |
| 6 monthsPenalty for early withdrawal | 0.15% | — | — | — | — | 0.15% | $7 |
| 9 monthsPenalty for early withdrawal | 0.15% | — | — | — | — | 0.15% | $11 |
| 12 months12 Month Variable Rate. Rate may change after account is opened. Penalty for early withdrawal | — | 0.15% | — | 0.20% | 0.25% | 0.20%0.15% $1k–$10k0.25% from $25k | $20 |
| 12 monthsPenalty for early withdrawal | 3.52% | — | — | — | — | 3.52% | $352 |
| 18 monthsPenalty for early withdrawal | 3.79% | — | — | — | — | 3.79% | $574 |
| 24 monthsPenalty for early withdrawal | 0.40% | — | — | — | — | 0.40% | $80 |
| 25 months25 Month Double Up CD. Penalty for early withdrawal | 0.40% | — | — | — | — | 0.40% | $84 |
| 30 monthsPenalty for early withdrawal | 4.04% | — | — | — | — | 4.04% | $1,041 |
| 36 months3 Years Special CD. The rate may change after the account is opened. Penalty for early withdrawal | 0.50% | — | — | — | — | 0.50% | $151 |
| 48 monthsPenalty for early withdrawal | 0.50% | — | — | — | — | 0.50% | $202 |
| 60 monthsPenalty for early withdrawal | 0.50% | — | — | — | — | 0.50% | $253 |
Sources (1)
- investmentsb.bank/deposits/certificate-deposits-cds · captured Oct 16, 2026
Special-purpose accounts
Floating Individual Retirement Account (IRA) / Education Savings (ESA) Certificate of Deposit
3.55%APY · 1 term
The rate may change after the account is opened. Penalty for early withdrawal if under 59 1/2 years old.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsThe rate may change after the account is opened. Penalty for early withdrawal if under 59 1/2 years old | 3.55% | $537 |
Sources (2)
- investmentsb.bank/banking/education-savings-esas
- investmentsb.bank/banking/individual-retirement-accounts
All captured Oct 16, 2026
Fixed Individual Retirement Account (IRA) Certificate of Deposit
Up to 3.52%APY · 6 terms
To any person with earned income who is 18 to 73 years old. Penalty for early withdrawal if under 59 1/2 years old.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal if under 59 1/2 years old | 3.52% | $352 |
| 18 monthsPenalty for early withdrawal if under 59 1/2 years old | 3.28% | $496 |
| 24 monthsPenalty for early withdrawal if under 59 1/2 years old | 0.40% | $80 |
| 36 monthsPenalty for early withdrawal if under 59 1/2 years old | 0.50% | $151 |
| 48 monthsPenalty for early withdrawal if under 59 1/2 years old | 0.50% | $202 |
| 60 monthsPenalty for early withdrawal if under 59 1/2 years old | 0.50% | $253 |
Sources (1)
- investmentsb.bank/banking/individual-retirement-accounts · captured Oct 16, 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.