Bank · FDIC insured
Washington State Bank CD Rates
Washington State Bank’s best CD rate is 4.45% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Washington State Bank’s CD rates compare
Compared with banks and credit unions near Iowa City, IA, where Washington State Bank has the most branches. $10,000, best rate first.
This bank’s best
Washington State Bank
4.25%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,313
CD Specials
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Veridian Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
Washington State Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 Washington 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.
CD Specials
Up to 4.25%APY · 4 terms
Quarterly compounding. Penalty will be imposed for early withdrawal.
| Term | APY · $500 – $125,000 | APY · $125,000 and up | APY · $125,000 – $225,000 | APY · $225,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6–11 monthsQuarterly compounding. Early withdrawal penalty applies | 3.75% | 4.00% | — | — | 3.75%4.00% from $125k | $186 |
| 24 monthsQuarterly compounding. Early withdrawal penalty applies | 4.05% | — | 4.15% | 4.25% | 4.05%4.15% $125k–$225k4.25% from $225k | $826 |
| 36 monthsQuarterly compounding. Early withdrawal penalty applies | 4.15% | — | 4.25% | 4.35% | 4.15%4.25% $125k–$225k4.35% from $225k | $1,297 |
| 60 monthsQuarterly compounding. Early withdrawal penalty applies | 4.25% | — | 4.35% | 4.45% | 4.25%4.35% $125k–$225k4.45% from $225k | $2,313 |
Sources (1)
- washsb.com/current-rates · captured Oct 5, 2026
CD Term
Up to 2.02%APY · 10 terms
Quarterly compounding. Penalty will be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsQuarterly compounding. Early withdrawal penalty applies | 1.41% | 1.56% | 1.41%1.56% from $75k | $35 |
| 6 monthsQuarterly compounding. Early withdrawal penalty applies | 1.46% | 1.61% | 1.46%1.61% from $75k | $73 |
| 12 monthsQuarterly compounding. Early withdrawal penalty applies | 1.51% | 1.66% | 1.51%1.66% from $75k | $151 |
| 18 monthsQuarterly compounding. Early withdrawal penalty applies | 1.56% | 1.71% | 1.56%1.71% from $75k | $235 |
| 24 monthsQuarterly compounding. Early withdrawal penalty applies | 1.61% | 1.76% | 1.61%1.76% from $75k | $325 |
| 30 monthsQuarterly compounding. Early withdrawal penalty applies | 1.71% | 1.86% | 1.71%1.86% from $75k | $433 |
| 36 monthsQuarterly compounding. Early withdrawal penalty applies | 1.81% | 1.96% | 1.81%1.96% from $75k | $553 |
| 42 monthsQuarterly compounding. Early withdrawal penalty applies | 1.91% | 2.07% | 1.91%2.07% from $75k | $685 |
| 48 monthsQuarterly compounding. Early withdrawal penalty applies | 1.96% | 2.12% | 1.96%2.12% from $75k | $807 |
| 54 monthsQuarterly compounding. Early withdrawal penalty applies | 2.02% | 2.17% | 2.02%2.17% from $75k | $942 |
Sources (1)
- washsb.com/current-rates · 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.