Bank · FDIC insured
Iowa Falls State Bank CD Rates
Top CarrotIowa Falls State Bank’s best CD rate is 4.45% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Iowa Falls State Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where Iowa Falls State Bank has the most branches. $10,000, best rate first.
This bank’s best
Iowa Falls State Bank
4.45%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $675
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
Iowa Falls State Bank CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo3.53%
- QualifiedQualified4.45%
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 Iowa Falls 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.
Certificate of Deposit
Up to 4.45%APY · 10 terms
Certificates under 6 month terms compound at maturity, all other certificates compound semi-annually. There may be penalties for early withdrawal from certificates. Above CDs auto renew at the current 12 month CD term and interest rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAbove CDs auto renew at the current 12 month CD term and interest rate. Certificates under 6 month terms compound at maturity | 3.02% | $150 |
| 8 monthsSpecial. Above CDs auto renew at the current 12 month CD term and interest rate. Compounds semi-annually | 4.20% | $278 |
| 11 monthsSpecial. Above CDs auto renew at the current 12 month CD term and interest rate. Compounds semi-annually | 4.20% | $384 |
| 12 monthsCompounds semi-annually | 3.03% | $303 |
| 14 monthsSpecial. Above CDs auto renew at the current 12 month CD term and interest rate. Compounds semi-annually | 4.20% | $492 |
| 18 monthsSpecial. Above CDs auto renew at the current 12 month CD term and interest rate. Compounds semi-annually | 4.45% | $675 |
| 24 monthsCompounds semi-annually | 3.02% | $613 |
| 36 monthsCompounds semi-annually | 2.67% | $823 |
| 48 monthsCompounds semi-annually | 2.61% | $1,086 |
| 60 monthsCompounds semi-annually | 3.53% | $1,894 |
Sources (1)
- ifsb.com/certificate-of-deposit-cds · captured Oct 16, 2026
Special-purpose accounts
Heritage CD
2.51%APY · 1 term
Interest on Heritage certificate is a variable rate with five year term. Child must be under the age of 18 at the time of opening. No penalty for early withdrawal after child's 18th birthday. Compounds semi-annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsVariable rate with five year term. Child must be under the age of 18 at the time of opening. No penalty for early withdrawal after child's 18th birthday. Compounds semi-annually | 2.51% | $1,320 |
Sources (1)
- ifsb.com/certificate-of-deposit-cds · 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.