Bank · FDIC insured
TruBank CD Rates
TruBank’s best CD rate is 4.35% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How TruBank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where TruBank has the most branches. $10,000, best rate first.
This bank’s best
TruBank
4.20%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $420
Certificates of Deposit (CDs)
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
TruBank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.20%
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 TruBank 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 (CDs)
Up to 4.20%APY · 11 terms
Early withdrawals subject to penalty. No setup or maintenance fees. $500 minimum deposit to open. Compounded quarterly. Consumer accounts only.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $10,000 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1–5 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 0.15% | — | — | — | — | 0.15% | $1 |
| 6–11 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 0.45% | — | — | — | — | 0.45% | $22 |
| 6–12 monthsPick Your Term CD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | — | 3.75% | — | — | 4.35% | 3.75%4.35% from $100k | $186 |
| 12 monthsCD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | — | — | 4.20% | — | — | 4.20% | $420 |
| 12–23 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 1.10% | — | — | — | — | 1.10% | $110 |
| 18 monthsCD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | — | — | — | 4.25% | — | —4.25% from $20k | — |
| 24–35 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 1.50% | — | — | — | — | 1.50% | $302 |
| 33 monthsCD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | — | 3.80% | — | — | — | 3.80% | $1,080 |
| 36–47 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 1.60% | — | — | — | — | 1.60% | $488 |
| 48–59 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 1.75% | — | — | — | — | 1.75% | $719 |
| 60 monthsCompounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only | 2.10% | — | — | — | — | 2.10% | $1,095 |
Sources (3)
- trubank.bank/personal/personal-savings
- trubank.bank/personal/personal…ates-of-deposit-cds.html
- trubank.bank/services-tools/tools/rates.html
All captured Oct 5, 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.