Bank · FDIC insured
Iowa State Bank CD Rates
Top CarrotIowa State Bank’s best CD rate is 4.30% APY on a 14-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Iowa State Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where Iowa State Bank has the most branches. $10,000, best rate first.
This bank’s best
Iowa State Bank
4.30%APY
- Term
- 14 months
- Minimum
- $5,000
- Earns on $10,000
- $503
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
Iowa State Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 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.
Certificates of Deposit
Up to 4.30%APY · 9 terms
A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompound frequency: @Maturity. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 2.37% | $59 |
| 6 monthsCompound frequency: @Maturity. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.66% | $181 |
| 12 monthsCompound frequency: Semi-Annually. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.74% | $374 |
| 14 monthsCD Special. Limited Time Only. Compound frequency: Semi Annual. A substantial penalty may be imposed for early withdrawal | 4.30% | $503 |
| 18 monthsCompound frequency: Semi-Annually. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.71% | $562 |
| 24 monthsCD Special. Limited Time Only. Compound frequency: Semi Annual. A substantial penalty may be imposed for early withdrawal | 4.30% | $878 |
| 30 monthsCompound frequency: Semi-Annually. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.73% | $959 |
| 36 monthsCD Special. Limited Time Only. Compound frequency: Semi Annual. A substantial penalty may be imposed for early withdrawal | 4.30% | $1,346 |
| 36 monthsCompound frequency: Semi-Annually. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.81% | $1,187 |
| 48 monthsCompound frequency: Semi-Annually. Effective Thru: 10/20/2026. A substantial penalty may be imposed for early withdrawal | 3.80% | $1,609 |
Special-purpose accounts
Traditional IRA Certificates
Up to 4.22%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Rate. Compound: Quarterly. Effective Thru: 10/31/2026. Rates may change after the account is opened. Fees may reduce earnings.Any balance | 4.22% | $422 | Variable Rate. Compound: Quarterly. Effective Thru: 10/31/2026. Rates may change after the account is opened. Fees may reduce earnings. |
| Any balanceFixed Rate. Compound: Quarterly. Effective Thru: 10/31/2026. Rates may change after the account is opened. Fees may reduce earnings.Any balance | 4.06% | $406 | Fixed Rate. Compound: Quarterly. Effective Thru: 10/31/2026. Rates may change after the account is opened. Fees may reduce earnings. |
Sources (1)
- iowastatebank.com/rates · 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.