Bank · FDIC insured
Palo Savings Bank CD Rates
Palo Savings Bank’s best CD rate is 3.89% APY on a 6-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Palo Savings Bank’s CD rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where Palo Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Palo Savings Bank
3.78%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $187
Time Certificate
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
Palo Savings Bank CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.78%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.24%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.78%
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 Palo 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.
Time Certificate
Up to 3.78%APY · 6 terms
Early withdrawal penalty may reduce principal: 3 months interest penalty for terms 91 days to 12 months, 6 months interest penalty for terms 18 months to 36 months, and 12 months interest penalty for 60 months.
| Term | APY · $1,000 – $20,000 | APY · $20,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Day term. Early withdrawal penalty: 3 months interest penalty | 0.45% | 0.45% | 0.55% | 0.45%0.45% $20k–$100k0.55% from $100k | $11 |
| 6 months182 Day term. Early withdrawal penalty: 3 months interest penalty | 3.78% | 3.78% | 3.89% | 3.78%3.78% $20k–$100k3.89% from $100k | $187 |
| 12 months12 Month term. Early withdrawal penalty: 3 months interest penalty | 3.55% | 3.55% | 3.65% | 3.55%3.55% $20k–$100k3.65% from $100k | $355 |
| 18 months18 Month term. Early withdrawal penalty: 6 months interest penalty | 3.24% | 3.24% | 3.34% | 3.24%3.24% $20k–$100k3.34% from $100k | $490 |
| 24 months24 Month term. Early withdrawal penalty: 6 months interest penalty | 2.88% | 2.88% | 2.98% | 2.88%2.88% $20k–$100k2.98% from $100k | $584 |
| 36 months36 Month term. Early withdrawal penalty: 6 months interest penalty | 2.27% | 2.27% | 2.37% | 2.27%2.27% $20k–$100k2.37% from $100k | $697 |
| 36 months36 Month Trade A Rate (Renewable). Early withdrawal penalty: 6 months interest penalty | 2.17% | 2.17% | 2.27% | 2.17%2.17% $20k–$100k2.27% from $100k | $665 |
Sources (1)
- palosavingsbank.com/interest-rates · captured Sep 18, 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.