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Wouldn’t it be great if every investment paid off? With a CD, your wish will come true every time you cash in.



Key Features

  • Guaranteed Returns
  • Competitive Interest
  • No Setup or Maintenance Fees

Certificates of Deposit (CDs) Learn More

Term Interest Rate APY
3-Month Term 0.10% 0.10%
6-Month Term 0.25% 0.25%
12-Month Term 0.45% 0.45%
18-Month Term 0.45% 0.45%
24-Month Term 0.50% 0.50%
30-Month Term 0.50% 0.50%
36-Month Term 0.60% 0.60%
48-Month Term 0.70% 0.70%
60-Month Term 0.90% 0.90%

APY = Annual Percentage Yield 

Minimum $1,000 deposit to open account and $1,000 minimum balance required to obtain APY. Penalties for early withdrawal. Fees may reduce earnings. Rates are effective as of 05/01/2022.
  • Fixed rates, higher than standard savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • Early withdrawals may be subject to penalty
  • Youth CDs also available
  • $1,000 minimum deposit to open

Central Iowa's success is at the center of what we do.

When you win, we all win. That’s why we put our profits back in our community. It’s more than just philanthropy to us — it’s a responsibility.

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