Bank · FDIC insured
Readlyn Savings Bank CD Rates
Readlyn Savings Bank’s best CD rate is 4.00% APY on a 21-month CD. Terms run from 7 months to 42 months. Rates checked October 16, 2026.
How Readlyn Savings Bank’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where Readlyn Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Readlyn Savings Bank
4.00%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $710
SPECIAL Certificates of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Readlyn Savings Bank CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.00%
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 Readlyn 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.
SPECIAL Certificates of Deposit
Up to 4.00%APY · 3 terms
Special CD's automatically renew respective to 12, 24, 36, 48 & 60-month current rates (or 12, 24, and 48-month current rates at maturity). APY based on semi-annual compounding. Substantial penalty for early withdrawal.
| Term | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months7 - Month SPECIAL Certificate of Deposit; Min. Balance to Earn Annual Percentage Yield $1,000 | 3.75% | 3.85% | 3.75%3.85% from $25k | $217 |
| 21 months21 - Month SPECIAL Certificate of Deposit; Min. Balance to Earn Annual Percentage Yield $1,000 | 4.00% | — | 4.00% | $710 |
| 42 months42 - Month SPECIAL Certificate of Deposit; Min. Balance to Earn Annual Percentage Yield $1,000 | 3.85% | 3.95% | 3.85%3.95% from $25k | $1,414 |
6 more rates on its site come from an older rate sheet (2025) and aren’t shown as current.
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 4.40%APY · 3 terms
IRA’s (Traditional & ROTH) are invested as CD’s offering fixed or variable interest rates. Standard IRA Terms include 1 year, 3 years or 6 years. APY based on quarterly compounding. Substantial penalty will be imposed for early withdrawal. Interest Rate & APY may vary and can change at any time after account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 - Year Monthly Variable Interest Rate; variable rate; APY based on quarterly compounding | 4.05% | $405 |
| 36 months3 - Year Fixed Interest Rate; fixed rate; APY based on quarterly compounding | 4.40% | $1,379 |
| 72 months6 - Year Fixed Interest Rate; fixed rate; APY based on quarterly compounding | 4.40% | $2,948 |
Sources (2)
All 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.