Bank · FDIC insured
Union State Bank CD Rates
Union State Bank’s best CD rate is 4.03% APY on a 7-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Union State Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Union State Bank has the most branches. $10,000, best rate first.
This bank’s best
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
27 Month CD Special
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
3rd-highest rate
Serve Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,522
Union State Bank CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo2.72%
- 16–30 months16–30 mo2.92%
- 31–60 months31–60 mo3.63%
- QualifiedQualified4.61%
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 Union 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.
27 Month CD Special
4.61%APY · 1 term
Option to pay monthly to a USB checking account
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 27 monthsOption to pay monthly to a USB checking account | 4.61% | $1,067 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
7 Month CD Special
4.03%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.03% | $233 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Certificate of Deposit
Up to 3.22%APY · 7 terms
$500 minimum deposit to open all other certificate of deposit.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 0.60% | 0.85% | 2.62% | 2.72% | 3.02% | 0.60%0.85% from $2.5k2.62% from $10k2.72% from $25k3.02% from $50k | $30 |
| 6 monthsGO Club members | — | 2.62% | — | — | — | 2.62% | $130 |
| 12 months | 1.10% | 1.61% | 2.72% | 2.82% | 3.12% | 1.10%1.61% from $2.5k2.72% from $10k2.82% from $25k3.12% from $50k | $110 |
| 12 monthsGO Club members | — | 2.72% | — | — | — | 2.72% | $272 |
| 18 months | 1.21% | 1.81% | 2.82% | 2.92% | 3.22% | 1.21%1.81% from $2.5k2.82% from $10k2.92% from $25k3.22% from $50k | $182 |
| 18 monthsGO Club members | — | 2.82% | — | — | — | 2.82% | $426 |
| 24 months | 1.31% | 1.91% | 2.92% | 3.02% | 3.32% | 1.31%1.91% from $2.5k2.92% from $10k3.02% from $25k3.32% from $50k | $264 |
| 24 monthsGO Club members | — | 2.92% | — | — | — | 2.92% | $593 |
| 36 months | 1.41% | 2.01% | 3.02% | 3.12% | 3.43% | 1.41%2.01% from $2.5k3.02% from $10k3.12% from $25k3.43% from $50k | $429 |
| 36 monthsGO Club members | — | 3.02% | — | — | — | 3.02% | $934 |
| 48 months | 1.51% | 2.11% | 3.12% | 3.22% | 3.53% | 1.51%2.11% from $2.5k3.12% from $10k3.22% from $25k3.53% from $50k | $618 |
| 48 monthsGO Club members | — | 3.12% | — | — | — | 3.12% | $1,308 |
| 60 months | 1.61% | 2.22% | 3.22% | 3.32% | 3.63% | 1.61%2.22% from $2.5k3.22% from $10k3.32% from $25k3.63% from $50k | $831 |
| 60 monthsGO Club members | — | 3.22% | — | — | — | 3.22% | $1,717 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Step-Up CD Special
3.63%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.63% | $1,129 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.22%APY · 7 terms
$500 minimum deposit to open all other certificate of deposit.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 0.60% | 0.85% | 2.62% | 2.72% | 3.02% | 0.60%0.85% from $2.5k2.62% from $10k2.72% from $25k3.02% from $50k | $30 |
| 6 monthsGO Club members | — | 2.62% | — | — | — | 2.62% | $130 |
| 12 months | 1.10% | 1.61% | 2.72% | 2.82% | 3.12% | 1.10%1.61% from $2.5k2.72% from $10k2.82% from $25k3.12% from $50k | $110 |
| 12 monthsGO Club members | — | 2.72% | — | — | — | 2.72% | $272 |
| 18 months | 1.21% | 1.81% | 2.82% | 2.92% | 3.22% | 1.21%1.81% from $2.5k2.82% from $10k2.92% from $25k3.22% from $50k | $182 |
| 18 monthsGO Club members | — | 2.82% | — | — | — | 2.82% | $426 |
| 24 months | 1.31% | 1.91% | 2.92% | 3.02% | 3.32% | 1.31%1.91% from $2.5k2.92% from $10k3.02% from $25k3.32% from $50k | $264 |
| 24 monthsGO Club members | — | 2.92% | — | — | — | 2.92% | $593 |
| 36 months | 1.41% | 2.01% | 3.02% | 3.12% | 3.43% | 1.41%2.01% from $2.5k3.02% from $10k3.12% from $25k3.43% from $50k | $429 |
| 36 monthsGO Club members | — | 3.02% | — | — | — | 3.02% | $934 |
| 48 months | 1.51% | 2.11% | 3.12% | 3.22% | 3.53% | 1.51%2.11% from $2.5k3.12% from $10k3.22% from $25k3.53% from $50k | $618 |
| 48 monthsGO Club members | — | 3.12% | — | — | — | 3.12% | $1,308 |
| 60 months | 1.61% | 2.22% | 3.22% | 3.32% | 3.63% | 1.61%2.22% from $2.5k3.22% from $10k3.32% from $25k3.63% from $50k | $831 |
| 60 monthsGO Club members | — | 3.22% | — | — | — | 3.22% | $1,717 |
Sources (1)
- usbiowa.com/rates/personal-deposite-rates.aspx · 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.