Bank · FDIC insured
South Ottumwa Savings Bank CD Rates
South Ottumwa Savings Bank’s best CD rate is 4.31% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How South Ottumwa Savings Bank’s CD rates compare
Compared with banks and credit unions near Ottumwa, IA, where South Ottumwa Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
South Ottumwa Savings Bank
4.31%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $468
CD Rates – All
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
South Ottumwa Savings Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo4.31%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo4.31%
- QualifiedQualified4.31%
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 South Ottumwa 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.
CD Rates – All
Up to 4.31%APY · 10 terms
Rates applicable across all locations / other markets. Interest compounded at maturity for 3 and 6 months, and every 6 months for longer terms. A penalty may be imposed for early withdrawal.
| Term | APY · Up to $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 monthsCompounded at maturity | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | 0.75%0.75% to $10k0.75% $25k–$50k0.75% $50k–$100k0.75% $100k–$200k0.75% from $200k | $19 |
| 6 monthsCompounded at maturity | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00%1.00% to $10k1.00% $25k–$50k1.00% $50k–$100k1.00% $100k–$200k1.00% from $200k | $50 |
| 12 monthsCompounded every 6 months | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00%1.00% to $10k1.00% $25k–$50k1.00% $50k–$100k1.00% $100k–$200k1.00% from $200k | $100 |
| 13 months13 Month Special. Compounded every 6 months | 4.31% | 4.31% | 4.31% | 4.31% | 4.31% | 4.31% | 4.31%4.31% to $10k4.31% $25k–$50k4.31% $50k–$100k4.31% $100k–$200k4.31% from $200k | $468 |
| 18 monthsCompounded every 6 months | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% | 1.25%1.25% to $10k1.25% $25k–$50k1.25% $50k–$100k1.25% $100k–$200k1.25% from $200k | $188 |
| 24 monthsCompounded every 6 months | 1.51% | 1.51% | 1.51% | 1.51% | 1.51% | 1.51% | 1.51%1.51% to $10k1.51% $25k–$50k1.51% $50k–$100k1.51% $100k–$200k1.51% from $200k | $304 |
| 31 months31 Month Special. Compounded every 6 months | 4.31% | 4.31% | 4.31% | 4.31% | 4.31% | 4.31% | 4.31%4.31% to $10k4.31% $25k–$50k4.31% $50k–$100k4.31% $100k–$200k4.31% from $200k | $1,152 |
| 36 monthsCompounded every 6 months | 1.51% | 1.51% | 1.51% | 1.51% | 1.51% | 1.51% | 1.51%1.51% to $10k1.51% $25k–$50k1.51% $50k–$100k1.51% $100k–$200k1.51% from $200k | $460 |
| 48 monthsCompounded every 6 months | 1.76% | 1.76% | 1.76% | 1.76% | 1.76% | 1.76% | 1.76%1.76% to $10k1.76% $25k–$50k1.76% $50k–$100k1.76% $100k–$200k1.76% from $200k | $723 |
| 60 monthsCompounded every 6 months | 2.01% | 2.01% | 2.01% | 2.01% | 2.01% | 2.01% | 2.01%2.01% to $10k2.01% $25k–$50k2.01% $50k–$100k2.01% $100k–$200k2.01% from $200k | $1,046 |
Sources (1)
- sosb-ia.com/products/personal · captured Oct 16, 2026
CD Rates – West Liberty
Up to 4.31%APY · 10 terms
Rates applicable to West Liberty location. Interest compounded at maturity for 3 and 6 months, and every 6 months for longer terms. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded at maturity | 0.20% | $5 |
| 6 monthsCompounded at maturity | 0.25% | $12 |
| 12 monthsCompounded every 6 months | 0.30% | $30 |
| 13 months13 Month Special. Compounded every 6 months | 4.31% | $468 |
| 18 monthsCompounded every 6 months | 0.25% | $38 |
| 24 monthsCompounded every 6 months | 0.35% | $70 |
| 31 months31 Month Special. Compounded every 6 months | 4.31% | $1,152 |
| 36 monthsCompounded every 6 months | 0.45% | $136 |
| 48 monthsCompounded every 6 months | 0.55% | $222 |
| 60 monthsCompounded every 6 months | 0.75% | $381 |
Sources (1)
- sosb-ia.com/products/personal · captured Oct 16, 2026
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