Bank · FDIC insured
Iowa State Bank CD Rates
Top CarrotIowa State Bank’s best CD rate is 4.04% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Iowa State Bank’s CD rates compare
Compared with banks and credit unions near Ottumwa, IA, where Iowa State Bank has the most branches. $10,000, best rate first.
This bank’s best
Iowa State Bank
4.04%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $612
Certificate of Deposit (CD)
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
South Ottumwa Savings Bank
4.31%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $468
Iowa State Bank CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.84%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo4.04%
- 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 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.
Certificate of Deposit (CD)
Up to 4.04%APY · 7 terms
No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.75% | $1 |
| 6 months | 3.53% | $177 |
| 12 months | 3.84% | $384 |
| 18 months | 4.04% | $612 |
| 24 months | 4.04% | $824 |
| 36 months | 4.04% | $1,262 |
| 60 months | 4.04% | $2,190 |
Sources (2)
All captured Oct 5, 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.