Bank · FDIC insured
The State Bank CD Rates
The State Bank’s best CD rate is 4.04% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How The State Bank’s CD rates compare
Compared with banks and credit unions near Spirit Lake, IA, where The State Bank has the most branches. $10,000, best rate first.
This bank’s best
The State Bank
4.04%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $612
18 Month CD
Top rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
2nd-highest rate
Farmers Savings Bank
4.14%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $485
The State Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo4.04%
- 31–60 months31–60 mo3.02%
- QualifiedQualified4.04%
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 The 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.
18 Month CD
4.04%APY · 1 term
Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsSemi annual interest. Penalty will or may be imposed for early withdrawal | 4.04% | $612 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
12 Month CD
3.79%APY · 1 term
Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSemi annual interest. Penalty will or may be imposed for early withdrawal | 3.79% | $379 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
6 Month CD
3.53%APY · 1 term
Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest at maturity. Penalty will or may be imposed for early withdrawal | 3.53% | $175 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
9 Month CD
3.52%APY · 1 term
Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsInterest at maturity. Penalty will or may be imposed for early withdrawal | 3.52% | $263 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
60 Month CD
3.02%APY · 1 term
Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsSemi annual interest. Penalty will or may be imposed for early withdrawal | 3.02% | $1,604 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
30 Month Power Saver CD
2.77%APY · 1 term
Variable rate account; interest rates and annual percentage yields may change after the account is opened. Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsSemi annual interest. Variable rate account. Penalty will or may be imposed for early withdrawal | 2.77% | $707 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
36 Month CD
2.77%APY · 1 term
Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsSemi annual interest. Penalty will or may be imposed for early withdrawal | 2.77% | $854 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
24 Month CD
2.52%APY · 1 term
Penalty will or may be imposed for early withdrawal. Semi annual interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsSemi annual interest. Penalty will or may be imposed for early withdrawal | 2.52% | $510 |
Sources (1)
- statebankspiritlake.com/rates.pdf · captured Oct 16, 2026
3 Month CD
1.51%APY · 1 term
Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest at maturity. Penalty will or may be imposed for early withdrawal | 1.51% | $38 |
Sources (1)
- statebankspiritlake.com/rates.pdf · 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.