Bank · FDIC insured
Keystone Savings Bank CD Rates
Keystone Savings Bank’s best CD rate is 3.94% APY on a 13-month CD. Terms run from 9 months to 13 months. Rates checked October 16, 2026.
How Keystone Savings Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where Keystone Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Keystone Savings Bank
3.94%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $428
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.94%APY · 2 terms
Maturities available from 91 days to 5 years. Automatic renewal options available. Opening deposit requirements vary. Early withdrawals may be subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsNot eligible for Broker or Institutional Funds. Automatically renews to a 6-month certificate at maturity at the renewal interest rate then offered on a 6-month certificate. Interest compounded and credited every 6 months. Minimum opening deposit $1,000 (for account holders aged 18 or younger, minimum opening deposit is $100.00). Early withdrawal penalty applies | 3.79% | $283 |
| 13 monthsNot eligible for Broker or Institutional Funds. Automatically renews to a 1-year certificate at maturity at the renewal interest rate then offered on a 1-year certificate. Interest compounded and credited every 6 months. Minimum opening deposit $1,000 (for account holders aged 18 or younger, minimum opening deposit is $100.00). Early withdrawal penalty applies | 3.94% | $428 |
Sources (2)
- keystonesavings.bank/personal-banking/cds-ira-accounts · captured Sep 18, 2026
- keystonesavings.bank/uploads/u…0Specials%209-1-2026.pdf · captured Oct 8, 2026
Special-purpose accounts
Youth CD
Up to 3.94%APY · 2 terms
Available for children up to age 18. Requires a $100 opening deposit. Additional deposits of $25 or more are allowed at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsAvailable for account holders aged 18 or younger. Additional deposits of $25 or more allowed at any time. Not eligible for Broker or Institutional Funds. Automatically renews to a 6-month certificate at maturity. Interest compounded and credited every 6 months. Early withdrawal penalty applies | 3.79% | $283 |
| 13 monthsAvailable for account holders aged 18 or younger. Additional deposits of $25 or more allowed at any time. Not eligible for Broker or Institutional Funds. Automatically renews to a 1-year certificate at maturity. Interest compounded and credited every 6 months. Early withdrawal penalty applies | 3.94% | $428 |
Sources (2)
- keystonesavings.bank/personal-banking/cds-ira-accounts · captured Sep 18, 2026
- keystonesavings.bank/uploads/u…0Specials%209-1-2026.pdf · captured Oct 8, 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.