Bank · FDIC insured
St. Ansgar State Bank CD Rates
St. Ansgar State Bank’s best CD rate is 4.04% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How St. Ansgar State Bank’s CD rates compare
Compared with banks and credit unions in Iowa, where St. Ansgar State Bank has the most branches. $10,000, best rate first.
This bank’s best
St. Ansgar State Bank
3.63%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $933
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
St. Ansgar State Bank CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.17%
- 16–30 months16–30 mo3.63%
- 31–60 months31–60 mo3.53%
- QualifiedQualified3.63%
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 St. Ansgar 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.
Certificates of Deposit
Up to 3.63%APY · 9 terms
Minimum investment amount is usually $1,000. Interest payments vary with term. Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsPenalty equals 30 days of interest | — | 3.00% | — | — | 3.00% | $74 |
| 6 monthsPenalty equals 90 days of interest | 3.00% | — | — | — | 3.00% | $149 |
| 10 monthsPenalty equals 90 days of interest | — | — | 3.00% | — | 3.00% | $249 |
| 12 months12 Month Silver CD. Penalty equals 90 days of interest | — | — | — | 3.15% | —3.15% from $25k | — |
| 12 monthsPenalty equals 90 days of interest | 3.00% | — | — | — | 3.00% | $300 |
| 15 monthsPenalty equals 90 days of interest | — | — | 3.17% | — | 3.17% | $398 |
| 18 monthsPenalty equals 180 days of interest | 2.77% | — | — | — | 2.77% | $418 |
| 24 months24 Month Silver CD. Penalty equals 180 days of interest | — | — | — | 4.04% | —4.04% from $25k | — |
| 24 monthsPenalty equals 180 days of interest | — | — | 3.53% | — | 3.53% | $719 |
| 30 monthsPenalty equals 180 days of interest | 3.63% | — | — | — | 3.63% | $933 |
| 60 monthsPenalty equals 360 days of interest | — | — | 3.53% | — | 3.53% | $1,894 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA) CD
2.77%APY · 1 term
Available for Traditional and Roth IRAs. Earnings grow tax-deferred or tax-free depending on account type.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18–Unknown monthsAvailable on CD terms of 18 months or greater (> 18 MONTH CD) | 2.77% | $418 |
Sources (2)
All captured Oct 16, 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.