Best 4-Year CD Rates in Muscatine, Iowa, IA

You are viewing rates from banks across Muscatine

Below are four-year CD Rates from banks in Iowa . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Muscatine, IA - August 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
State Savings Bank State Savings Bank Branch	4.32% 3.91%	$50,000 $2,000	-	Learn More Add Review
Rate History: 2.83% → 4.32%
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Luana Savings Bank Luana Savings Bank Branch	3.99% 3.84%	$100,000 $2,000	-	Learn More Add Review
Rate History: 3.99% → 3.94% → 3.84% → 3.68% → 3.99%
Green Belt Bank & Trust Belmond Branch	3.45%	$500	-	Learn More Add Review
Rate History: 1.75% → 3.90% → 3.75% → 3.55% → 3.45%
Midwest Heritage Bank, FSB Midwest Heritage Bank, Fsb Branch	3.25%	$5,000	-	Learn More Add Review
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Bankers Trust Company Bankers Trust Company Branch	1.45%	$1,000	-	Learn More Add Review
Citizens Savings Bank Citizens Savings Bank Branch	1.41%	$100,000	-	Learn More Add Review
Community Bank Ute State Branch	1.31%	$100,000	-	Learn More Add Review
Ashton State Bank Ashton State Bank Branch	1.31%	$10,000	-	Learn More Add Review
Citizens Savings Bank Citizens Savings Bank Branch	1.31%	$10,000	-	Learn More Add Review
Security State Bank Security State Bank Branch	1.30%	$10,000	-	Learn More Add Review
Hardin County Savings Bank Union Main Branch	1.30%	$10,000	-	Learn More Add Review
Raccoon Valley Bank Adel Branch	1.30%	$10,000	-	Learn More Add Review
Bank Plus Ledyard Branch	1.27%	$1,000	-	Learn More Add Review
Security State Bank Security State Bank Branch	1.26%	$10,000	-	Learn More Add Review
Connection Bank Connection Bank Branch	1.26%	$10,000	-	Learn More Add Review
NorthStar Bank Estherville Branch	1.26%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank Eagle Grove Branch	1.26%	$100,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Security State Bank Zearing Branch	1.26%	$60,000	-	Learn More Add Review
Montezuma State Bank Montezuma State Bank Branch	1.25%	$10,000	-	Learn More Add Review
United Bank & Trust National Association United Bank & Trust National Associa Branch	1.25%	$25,000	-	Learn More Add Review
Home State Bank Home State Bank Branch	1.25%	$10,000	-	Learn More Add Review
Cedar Valley Bank & Trust Cedar Valley Bank & Trust Branch	1.25%	$100,000	-	Learn More Add Review
Chelsea Savings Bank Chelsea Savings Bank Branch	1.25%	$100,000	-	Learn More Add Review
Security State Bank Zearing Branch	1.21%	$10,000	-	Learn More Add Review
Community Bank Ute State Branch	1.20%	$5,000	-	Learn More Add Review
South Story Bank & Trust South Story Bank & Trust Branch	1.20%	$10,000	-	Learn More Add Review
Liberty Trust & Savings Bank Liberty Trust & Savings Bank Branch	1.20%	$500	-	Learn More Add Review
Primebank Primebank Branch	1.20%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	1.20%	$10,000	-	Learn More Add Review
First Iowa State Bank First Iowa State Bank Branch	1.20%	$100,000	-	Learn More Add Review
Fidelity Bank & Trust Fidelity Bank & Trust Branch	1.20%	$100,000	-	Learn More Add Review
State Savings Bank State Savings Bank Branch	1.20%	$10,000	-	Learn More Add Review
First State Bank Stanhope Branch	1.20%	$25,000	-	Learn More Add Review
Community Savings Bank Garnavillo Branch	1.18%	$100,000	-	Learn More Add Review
Iowa State Bank Remsen Branch	1.15%	$1,000	-	Learn More Add Review
The Farmers State Bank The Farmers State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Logan State Bank Logan State Bank Branch	1.15%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	1.15%	$100,000	-	Learn More Add Review
BTC Bank Lamoni Branch	1.15%	$10,000	-	Learn More Add Review
The First National Bank of Manning The First National Bank Of Manning Branch	1.15%	$100,000	-	Learn More Add Review
Cedar Valley Bank & Trust Cedar Valley Bank & Trust Branch	1.15%	$10,000	-	Learn More Add Review
First Iowa State Bank First Iowa State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Chelsea Savings Bank Chelsea Savings Bank Branch	1.15%	$10,000	-	Learn More Add Review
Heritage Bank National Association Sioux City Branch	1.15%	$2,000	-	Learn More
Rate History: 0.24% → 0.26% → 1.15%
WPT \| Nov 2, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. Read More Reviews (14)
NSB Bank Nsb Bank Branch	1.11%	$100,000	-	Learn More Add Review
Pilot Grove Savings Bank Fort Madison Branch	1.11%	$10,000	-	Learn More Add Review
American State Bank American State Bank Branch	1.10%	$10,000	-	Learn More
Lindap \| Jun 25, 2020 If you need a simple answer you will have to jump through hoops and talk to people that are not connected to your bank. Plus when you try to return the call the number they call from is not a working numb... Read More Reviews (2)
First State Bank First State Bank Branch	1.10%	$10,000	-	Learn More Add Review
First State Bank Stanhope Branch	1.10%	$500	-	Learn More Add Review
Bank Bank Branch	1.10%	$10,000	-	Learn More Add Review
Charter Bank Charter Bank Branch	1.10%	$10,000	-	Learn More Add Review
First Citizens Bank First Citizens Bank Branch	1.10%	$100,000	-	Learn More Add Review
American Bank, National Association American Bank, National Association Branch	1.10%	$10,000	-	Learn More Add Review
American Trust and Savings Bank American Trust And Savings Bank Branch	1.10%	$10,000	-	Learn More Add Review
Templeton Savings Bank Templeton Savings Bank Branch	1.10%	$100,000	-	Learn More Add Review
West Iowa Bank West Iowa Bank Branch	1.10%	$10,000	-	Learn More Add Review
Heritage Bank Heritage Bank Branch	1.10%	$100,000	-	Learn More Add Review
Manufacturers Bank & Trust Company Lake Mills Branch	1.10%	$100,000	-	Learn More Add Review
The Watkins Savings Bank The Watkins Savings Bank Branch	1.10%	$100,000	-	Learn More Add Review
Benton County State Bank Benton County State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Farmers Bank of Northern Missouri Centerville Branch	1.10%	$10,000	-	Learn More Add Review
State Bank of Bussey State Bank Of Bussey Branch	1.10%	$10,000	-	Learn More Add Review
Fidelity Bank & Trust Fidelity Bank & Trust Branch	1.10%	$10,000	-	Learn More Add Review
Fortress Bank Davenport Branch	1.10%	$50,000	-	Learn More Add Review
Liberty National Bank Liberty National Bank Branch	1.09%	$100,000	-	Learn More Add Review
Iowa State Bank Iowa State Bank Branch	1.08%	$5,000	-	Learn More
Roland Dion \| Apr 13, 2015 Does this bank accept deposits from California residents? Read More Reviews (1)
Community Savings Bank Garnavillo Branch	1.08%	$10,000	-	Learn More Add Review
BankOrion Bettendorf Iowa Branch	1.06%	$100,000	-	Learn More Add Review
NSB Bank Nsb Bank Branch	1.05%	$10,000	-	Learn More Add Review
First Security Bank and Trust Company First Security Bank And Trust Compan Branch	1.05%	$50,000	-	Learn More Add Review
Templeton Savings Bank Templeton Savings Bank Branch	1.05%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank Eagle Grove Branch	1.05%	$10,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
The Watkins Savings Bank The Watkins Savings Bank Branch	1.05%	$10,000	-	Learn More Add Review
Farmers Savings Bank Arlington Branch	1.05%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.05%	$100,000	-	Learn More Add Review
Reliance State Bank Reliance State Bank Branch	1.00%	$100,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Security Bank and Trust Company First Security Bank And Trust Compan Branch	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank Boyden Branch	1.00%	$10,000	-	Learn More Add Review
Hiawatha Bank and Trust Company Hiawatha Bank And Trust Company Branch	1.00%	$10,000	-	Learn More Add Review
Washington State Bank Washington State Bank Branch	1.00%	$500	-	Learn More Add Review
First Heritage Bank First Heritage Bank Branch	1.00%	$10,000	-	Learn More Add Review
Liberty National Bank Liberty National Bank Branch	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Commercial Savings Bank Commercial Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
Central Bank Cherokee Central Trust Branch	1.00%	$100,000	-	Learn More Add Review
Heritage Bank Heritage Bank Branch	1.00%	$10,000	-	Learn More Add Review
Audubon State Bank Audubon State Bank Branch	1.00%	$10,000	-	Learn More Add Review
New Albin Savings Bank New Albin Savings Bank Branch	1.00%	$100,000	-	Learn More Add Review
PCSB Bank Pcsb Bank Branch	1.00%	$10,000	-	Learn More Add Review
Central State Bank Central State Bank Branch	1.00%	$1,500	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	1.00%	$100,000	-	Learn More Add Review
Fortress Bank Davenport Branch	1.00%	$10,000	-	Learn More Add Review
The Libertyville Savings Bank Farmers Savings Bank Branch	1.00%	$1,000	-	Learn More Add Review
United Bank & Trust National Association United Bank & Trust National Associa Branch	0.95%	$10,000	-	Learn More Add Review
BankOrion Bettendorf Iowa Branch	0.95%	$10,000	-	Learn More Add Review
Peoples Savings Bank Pleasantville State Bank Branch	0.95%	$1,000	-	Learn More Add Review
Maquoketa State Bank Maquoketa State Bank Branch	0.95%	$10,000	-	Learn More Add Review
First Citizens Bank First Citizens Bank Branch	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Manning The First National Bank Of Manning Branch	0.95%	$10,000	-	Learn More Add Review
Farmers Savings Bank Farmers Savings Bank Branch	0.95%	$500	-	Learn More Add Review
Midstates Bank, National Association Midstates Bank, National Association Branch	0.95%	$10,000	-	Learn More Add Review
Marion County State Bank Marion County State Bank Branch	0.95%	$10,000	-	Learn More Add Review
Iowa Trust and Savings Bank Iowa Trust And Savings Bank Branch	0.95%	$100,000	-	Learn More Add Review
County Bank County Bank Branch	0.94%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.94%	$10,000	-	Learn More Add Review
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	0.91%	$100,000	-	Learn More Add Review
Boone Bank & Trust Co. Boone Bank & Trust Co. Branch	0.90%	$100,000	-	Learn More Add Review
Reliance State Bank Reliance State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Peoples Bank Hawarden Location Branch	0.90%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Fairfax State Savings Bank Fairfax State Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Mediapolis Savings Bank Mediapolis Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Savings Bank Citizens Savings Bank Branch	0.90%	$1,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Iowa Trust and Savings Bank Iowa Trust And Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Iowa State Savings Bank Iowa State Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Peoples Bank Rippey Branch	0.90%	$100,000	-	Learn More Add Review
New Albin Savings Bank New Albin Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
City State Bank City State Bank Branch	0.90%	$10,000	-	Learn More Add Review
Success Bank Success Bank Branch	0.90%	$100,000	-	Learn More Add Review
Kerndt Brothers Savings Bank West Union Branch	0.90%	$10,000	-	Learn More Add Review
GNB Bank Insurance & Investments Branch	0.89%	$35,000	-	Learn More Add Review
GNB Bank Insurance & Investments Branch	0.86%	$1,000	-	Learn More Add Review
Blue Grass Savings Bank Blue Grass Savings Bank Branch	0.85%	$10,000	-	Learn More Add Review
Leighton State Bank Leighton State Bank Branch	0.85%	$500	-	Learn More Add Review
State Central Bank Stockport Branch	0.85%	$10,000	-	Learn More Add Review
Union State Bank Union State Bank Branch	0.85%	$100,000	-	Learn More Add Review
Home State Bank Home State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.85%	$10,000	-	Learn More Add Review
VISIONBANK OF IOWA Visionbank Of Iowa Branch	0.85%	$100,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.85%	$10,000	-	Learn More Add Review
Exchange State Bank Exchange State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Peoples Savings Bank Peoples Savings Bank Branch	0.84%	$150,000	-	Learn More Add Review
Cornerstone Bank Cornerstone Bank Branch	0.80%	$10,000	-	Learn More Add Review
Tri-Valley Bank Tri-Valley Bank Branch	0.80%	$10,000	-	Learn More Add Review
Premier Bank Premier Bank Branch	0.80%	$10,000	-	Learn More Add Review
Union State Bank Union State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Manufacturers Bank & Trust Company Lake Mills Branch	0.80%	$10,000	-	Learn More Add Review
Clear Lake Bank and Trust Company Clear Lake Bank And Trust Company Branch	0.80%	$1,000	-	Learn More Add Review
West Bank West Bank Branch	0.80%	$100,000	-	Learn More Add Review
Farmers Savings Bank Farmers Savings Bank Branch	0.80%	$500	-	Learn More Add Review
Success Bank Success Bank Branch	0.80%	$10,000	-	Learn More Add Review
Federation Bank Federation Bank Branch	0.80%	$10,000	-	Learn More Add Review
The Clinton National Bank Preston Community Branch	0.75%	$10,000	-	Learn More Add Review
Farmers and Merchants Savings Bank Farmers And Merchants Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
The State Bank of Toledo The State Bank Of Toledo Branch	0.75%	$10,000	-	Learn More Add Review
American Bank and Trust Company, National Association American Bank And Trust Company, National Association Branch	0.75%	$10,000	-	Learn More Add Review
Sibley State Bank Sibley State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Crawford County Trust and Savings Bank Audubon Branch	0.75%	$100,000	-	Learn More Add Review
Citizens First Bank Citizens First Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Community Bank Rockwell City Branch	0.75%	$10,000	-	Learn More Add Review
Central Bank Cherokee Central Trust Branch	0.75%	$10,000	-	Learn More Add Review
Maynard Savings Bank Maynard Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
Guthrie County State Bank Guthrie County State Bank Branch	0.75%	$10,000	-	Learn More Add Review
FreedomBank Postville Office Branch	0.75%	$100,000	-	Learn More Add Review
Peoples Bank Rippey Branch	0.75%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank Farmers And Merchants State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Iowa State Bank Iowa State Bank Branch	0.75%	$100,000	-	Learn More Add Review
Westside State Bank Halbur Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Savings Bank Peoples Savings Bank Branch	0.74%	$1,000	-	Learn More Add Review
The Security National Bank of Sioux City, Iowa Mapleton Branch	0.70%	$10,000	-	Learn More Add Review
Hills Bank and Trust Company Downtown Branch Cr	0.70%	$500	-	Learn More Add Review
State Bank & Trust Co. State Bank & Trust Co. Branch	0.70%	$100,000	-	Learn More Add Review
Blackhawk Bank & Trust 3889 Elmore Avenue Branch	0.70%	$10,000	-	Learn More Add Review
Earlham Savings Bank Earlham Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
Bank Midwest Bank Midwest Branch	0.70%	$10,000	-	Learn More Add Review
State Bank Peterson Branch	0.70%	$10,000	-	Learn More Add Review
Pocahontas State Bank Pocahontas State Bank Branch	0.70%	$10,000	-	Learn More Add Review
United Bank of Iowa United Bank Of Iowa Branch	0.70%	$10,000	-	Learn More Add Review
Farmers Trust & Savings Bank Farmers Trust & Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Whitney Bank and Trust First Whitney Bank And Trust Branch	0.70%	$10,000	-	Learn More Add Review
FNB Bank Fnb Bank Branch	0.70%	$10,000	-	Learn More Add Review
Availa Bank Webster City Branch	0.70%	$500	-	Learn More Add Review
F&M Bank Sioux City 3rd & Virginia Branch	0.70%	$100,000	-	Learn More Add Review
TruBank What Cheer Branch	0.70%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	0.69%	$10,000	-	Learn More Add Review
Citizens Savings Bank Citizens Savings Bank Branch	0.65%	$10,000	-	Learn More Add Review
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	0.65%	$1,000	-	Learn More Add Review
First National Bank, Ames, Iowa First National Bank, Ames, Iowa Branch	0.65%	$100,000	-	Learn More Add Review
VISIONBANK OF IOWA Visionbank Of Iowa Branch	0.65%	$10,000	-	Learn More Add Review
Crawford County Trust and Savings Bank Audubon Branch	0.65%	$10,000	-	Learn More Add Review
Iowa State Bank Iowa State Bank Branch	0.65%	$10,000	-	Learn More Add Review
Heartland Bank Gowrie Branch	0.65%	$25,000	-	Learn More Add Review
CBI Bank & Trust Cbi Bank & Trust Branch	0.60%	$10,000	-	Learn More Add Review
West Bank West Bank Branch	0.60%	$10,000	-	Learn More Add Review
WCF Financial Bank Wcf Financial Bank Branch	0.60%	$10,000	-	Learn More Add Review
Security Savings Bank Harcourt Branch	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank Vantus Bank Branch	0.60%	$250	-	Learn More Add Review
FreedomBank Postville Office Branch	0.60%	$10,000	-	Learn More Add Review
Arbor Bank First Community Bank Branch	0.57%	$10,000	-	Learn More Add Review
Pinnacle Bank Pinnacle Bank Branch	0.56%	$10,000	-	Learn More Add Review
American State Bank American State Bank Branch	0.56%	$10,000	-	Learn More Add Review
Peoples State Bank Security State Bank Branch	0.55%	$100,000	-	Learn More Add Review
First National Bank, Ames, Iowa First National Bank, Ames, Iowa Branch	0.55%	$10,000	-	Learn More Add Review
State Bank & Trust Co. State Bank & Trust Co. Branch	0.55%	$10,000	-	Learn More Add Review
First Security State Bank First Security State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Waukon State Bank Waukon State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Iowa State Bank Iowa State Bank Branch	0.55%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.55%	$10,000	-	Learn More Add Review
The Citizens First National Bank of Storm Lake The Citizens First National Bank Of Branch	0.53%	$10,000	-	Learn More Add Review
Bank Iowa Shenandoah West Branch	0.52%	$500	-	Learn More Add Review
BankIowa of Cedar Rapids Bankiowa Of Cedar Rapids Branch	0.51%	$500	-	Learn More Add Review
Farmers & Merchants Bank & Trust West Burlington Branch	0.50%	$10,000	-	Learn More Add Review
F&M Bank Sioux City 3rd & Virginia Branch	0.50%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Quad City Bank and Trust Company Quad City Bank And Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Two Rivers Bank & Trust Mediapolis Southeast Security Branch	0.50%	$1,000	-	Learn More Add Review
First Trust and Savings Bank First Trust And Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Sterling Federal Bank, F.S.B. Clinton Main Branch	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank Melbourne - Branch 32	0.50%	$10,000	-	Learn More Add Review
Heartland Bank Gowrie Branch	0.50%	$10,000	-	Learn More Add Review
First Security Bank Valley Bank & Trust Branch	0.50%	$1,000	-	Learn More Add Review
Two Rivers Bank & Trust Mediapolis Southeast Security Branch	0.47%	$1,000	-	Learn More Add Review
Peoples State Bank Security State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Boone Bank & Trust Co. Boone Bank & Trust Co. Branch	0.45%	$10,000	-	Learn More Add Review
Lincoln Savings Bank Allison Branch	0.44%	$2,500	-	Learn More Add Review
First Central State Bank First Central State Bank Branch	0.40%	$10,000	-	Learn More
RICHARD DiSANTIS \| Aug 1, 2016 Good question...I am out-of-state and would like to take advantage of your rates...my deposits would surely help your bank... Read More Reviews (2)
Farmers Trust and Savings Bank Farmers Trust And Savings Bank Branch	0.40%	$10,000	-	Learn More Add Review
Ohnward Bank & Trust Ohnward Bank & Trust Branch	0.40%	$10,000	-	Learn More Add Review
The Shelby County State Bank The Shelby County State Bank Branch	0.37%	$100,000	-	Learn More Add Review
Community Bank and Trust Company Wilton Branch	0.35%	$10,000	-	Learn More Add Review
Central State Bank Mcgregor Branch	0.35%	$10,000	-	Learn More Add Review
The Shelby County State Bank The Shelby County State Bank Branch	0.34%	$10,000	-	Learn More Add Review
Northwest Bank First National Bank Branch	0.30%	$10,000	-	Learn More Add Review
Decorah Bank & Trust Company Decorah Bank & Trust Company Branch	0.30%	$10,000	-	Learn More Add Review
DeWitt Bank & Trust Co. Dewitt Bank & Trust Co. Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
U.S. Bank National Association Newton Branch	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First National Bank of Omaha Mills County Bank, National Association Branch	0.12%	$500	-	Learn More Add Review
Regions Bank Monticello Ia Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
Bank of America, National Association Skywalk Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
State Savings Bank State Savings Bank Branch	4800 George Mills Civic Parkway, Suite 100	West Des Moines	IA
Luana Savings Bank Luana Savings Bank Branch	100 Harvest Drive	Luana	IA
State Savings Bank State Savings Bank Branch	4800 George Mills Civic Parkway, Suite 100	West Des Moines	IA
Luana Savings Bank Luana Savings Bank Branch	100 Harvest Drive	Luana	IA
Green Belt Bank & Trust Belmond Branch	120 East Main Street	Belmond	IA
Midwest Heritage Bank, FSB Midwest Heritage Bank, Fsb Branch	3580 Ep True Parkway, Suite 100	West Des Moines	IA
Bankers Trust Company Bankers Trust Company Branch	453 7th Street	Des Moines	IA
Citizens Savings Bank Citizens Savings Bank Branch	215 East Main Street	Anamosa	IA
Community Bank Ute State Branch	131 E Main St	Ute	IA
Ashton State Bank Ashton State Bank Branch	317 Third Street	Ashton	IA
Citizens Savings Bank Citizens Savings Bank Branch	215 East Main Street	Anamosa	IA
Security State Bank Security State Bank Branch	109 West 2nd Street	Sutherland	IA
Hardin County Savings Bank Union Main Branch	204 Center Street	Union	IA
Raccoon Valley Bank Adel Branch	1009 Court Street	Adel	IA
Bank Plus Ledyard Branch	210 Edmunds St	Ledyard	IA
Security State Bank Security State Bank Branch	1 East State Street	Algona	IA
Connection Bank Connection Bank Branch	Avenue G And Seventh Street	Fort Madison	IA
NorthStar Bank Estherville Branch	101 North 6th Street	Estherville	IA
Farmers & Merchants Savings Bank Eagle Grove Branch	201 West Broadway	Eagle Grove	IA
Security State Bank Zearing Branch	103 East Main	Zearing	IA
Montezuma State Bank Montezuma State Bank Branch	101 South 4th Street	Montezuma	IA
United Bank & Trust Co. United Bank & Trust National Associa Branch	2101 South Center Street	Marshalltown	IA
Home State Bank Home State Bank Branch	115 West State Street	Jefferson	IA
Cedar Valley Bank & Trust Cedar Valley Bank & Trust Branch	321 Main Street	La Porte City	IA
Chelsea Savings Bank Chelsea Savings Bank Branch	601 13th St	Belle Plaine	IA
Security State Bank Zearing Branch	103 East Main	Zearing	IA
Community Bank Ute State Branch	131 E Main St	Ute	IA
South Story Bank & Trust South Story Bank & Trust Branch	501 Linn St	Slater	IA
Liberty Trust & Savings Bank Liberty Trust & Savings Bank Branch	502 Eighth Avenue	Durant	IA
Primebank Primebank Branch	37 First Avenue, N.W.	Le Mars	IA
First State Bank First State Bank Branch	413 East Street	Lynnville	IA
First Iowa State Bank First Iowa State Bank Branch	19 Benton Avenue East	Albia	IA
Fidelity Bank & Trust Fidelity Bank & Trust Branch	4250 Asbury Road	Dubuque	IA
State Savings Bank State Savings Bank Branch	602 Sheldon Street	Creston	IA
First State Bank Stanhope Branch	Park And Parker Streets	Stanhope	IA
Community Savings Bank Garnavillo Branch	101 S. Main Street	Garnavillo	IA
Iowa State Bank Remsen Branch	17 West Second Street	Remsen	IA
The Farmers State Bank The Farmers State Bank Branch	106 E. Cedar St	Marcus	IA
Logan State Bank Logan State Bank Branch	323 East 7th Street	Logan	IA
First State Bank First State Bank Branch	183 Main Avenue North	Britt	IA
BTC Bank Lamoni Branch	2090 East Main Street	Lamoni	IA
The First National Bank of Manning The First National Bank Of Manning Branch	401 Main Street	Manning	IA
Cedar Valley Bank & Trust Cedar Valley Bank & Trust Branch	321 Main Street	La Porte City	IA
First Iowa State Bank First Iowa State Bank Branch	19 Benton Avenue East	Albia	IA
Chelsea Savings Bank Chelsea Savings Bank Branch	601 13th St	Belle Plaine	IA
Heritage Bank National Association Sioux City Branch	4530 Singing Hills Boulevard	Sioux City	IA
NSB Bank Nsb Bank Branch	2650 4th Street, S.W.	Mason City	IA
Pilot Grove Savings Bank Fort Madison Branch	619 9th Street	Fort Madison	IA
American State Bank American State Bank Branch	525 North Main Street	Sioux Center	IA
First State Bank First State Bank Branch	183 Main Avenue North	Britt	IA
First State Bank Stanhope Branch	Park And Parker Streets	Stanhope	IA
BANK Bank Branch	409 Hwy 61 S	Wapello	IA
Charter Bank Charter Bank Branch	5526 N.W. 86th Street	Johnston	IA
First Citizens Bank First Citizens Bank Branch	2601 Fourth Street, S.W.	Mason City	IA
American Bank, National Association American Bank, National Association Branch	234 Fifth Avenue S.W.	Le Mars	IA
American Trust and Savings Bank American Trust And Savings Bank Branch	309 Mckinley Avenue	Lowden	IA
Templeton Savings Bank Templeton Savings Bank Branch	223 Main Street	Manning	IA
West Iowa Bank West Iowa Bank Branch	319 S Broadway Ave	West Bend	IA
Heritage Bank Heritage Bank Branch	695 Marion Boulevard	Marion	IA
Manufacturers Bank & Trust Company Lake Mills Branch	106 West Main Street	Lake Mills	IA
The Watkins Savings Bank The Watkins Savings Bank Branch	202 First Street	Watkins	IA
Benton County State Bank Benton County State Bank Branch	212 Locust Northeast	Blairstown	IA
Farmers Bank of Northern Missouri Centerville Branch	200 West Maple	Centerville	IA
Twin Cedars Bank State Bank Of Bussey Branch	402 Merrill Street	Bussey	IA
Fidelity Bank & Trust Fidelity Bank & Trust Branch	4250 Asbury Road	Dubuque	IA
Fortress Bank Davenport Branch	3260 E. 53rd Street	Davenport	IA
Liberty National Bank Liberty National Bank Branch	4425 Singing Hills Boulevard	Sioux City	IA
Iowa State Bank Iowa State Bank Branch	100 North Main Street	Clarksville	IA
Community Savings Bank Garnavillo Branch	101 S. Main Street	Garnavillo	IA
BankOrion Bettendorf Iowa Branch	1855 Middle Road	Bettendorf	IA
NSB Bank Nsb Bank Branch	2650 4th Street, S.W.	Mason City	IA
First Security Bank and Trust Company First Security Bank And Trust Compan Branch	809 Clark Street	Charles City	IA
Templeton Savings Bank Templeton Savings Bank Branch	223 Main Street	Manning	IA
Farmers & Merchants Savings Bank Eagle Grove Branch	201 West Broadway	Eagle Grove	IA
The Watkins Savings Bank The Watkins Savings Bank Branch	202 First Street	Watkins	IA
Farmers Savings Bank Arlington Branch	727 Main Street	Arlington	IA
Citizens State Bank Citizens State Bank Branch	114 West Main Street	Wyoming	IA
Reliance State Bank Reliance State Bank Branch	100 East Main Street	Klemme	IA
Farmers State Bank Farmers State Bank Branch	401 Main Street	Lake View	IA
First Security Bank and Trust Company First Security Bank And Trust Compan Branch	809 Clark Street	Charles City	IA
Citizens State Bank Boyden Branch	817 Main Street	Boyden	IA
Hiawatha Bank and Trust Company Hiawatha Bank And Trust Company Branch	777 North Center Point Road	Hiawatha	IA
Washington State Bank Washington State Bank Branch	121 S Marion Ave	Washington	IA
First Heritage Bank First Heritage Bank Branch	801 South Fremont	Shenandoah	IA
Liberty National Bank Liberty National Bank Branch	4425 Singing Hills Boulevard	Sioux City	IA
Citizens State Bank Citizens State Bank Branch	114 West Main Street	Wyoming	IA
Commercial Savings Bank Commercial Savings Bank Branch	627 North Adams Street	Carroll	IA
Central Bank Cherokee Central Trust Branch	201 West Main Street	Cherokee	IA
Heritage Bank Heritage Bank Branch	695 Marion Boulevard	Marion	IA
Audubon State Bank Audubon State Bank Branch	315 Broadway	Audubon	IA
New Albin Savings Bank New Albin Savings Bank Branch	118 Main Street	New Albin	IA
PCSB Bank Pcsb Bank Branch	120 East Washington St	Clarinda	IA
Central State Bank Central State Bank Branch	109 West Main Street	State Center	IA
Farmers State Bank Farmers State Bank Branch	1240 8th Avenue	Marion	IA
Fortress Bank Davenport Branch	3260 E. 53rd Street	Davenport	IA
The Libertyville Savings Bank Farmers Savings Bank Branch	225-7 East Broadway	Keota	IA
United Bank & Trust Co. United Bank & Trust National Associa Branch	2101 South Center Street	Marshalltown	IA
BankOrion Bettendorf Iowa Branch	1855 Middle Road	Bettendorf	IA
Peoples Savings Bank Pleasantville State Bank Branch	102 N. Washington Street	Pleasantville	IA
Maquoketa State Bank Maquoketa State Bank Branch	203 North Main Street	Maquoketa	IA
First Citizens Bank First Citizens Bank Branch	2601 Fourth Street, S.W.	Mason City	IA
The First National Bank of Manning The First National Bank Of Manning Branch	401 Main Street	Manning	IA
Farmers Savings Bank Farmers Savings Bank Branch	10 Highway Avenue Northwest	Fostoria	IA
Midstates Bank, National Association Midstates Bank, National Association Branch	1851 Madison Avenue, Suite 17	Council Bluffs	IA
Marion County State Bank Marion County State Bank Branch	800 Main Street	Pella	IA
Iowa Trust and Savings Bank Iowa Trust And Savings Bank Branch	200 North 10th Street	Centerville	IA
County Bank County Bank Branch	201 South Jefferson Street	Sigourney	IA
First State Bank First State Bank Branch	304 East Main Street	Belmond	IA
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	320 Church Street	Ottumwa	IA
Boone Bank & Trust Co. Boone Bank & Trust Co. Branch	716 Eighth Street	Boone	IA
Reliance State Bank Reliance State Bank Branch	100 East Main Street	Klemme	IA
Peoples Bank Hawarden Location Branch	801 Central St	Hawarden	IA
Farmers State Bank Farmers State Bank Branch	1240 8th Avenue	Marion	IA
Fairfax State Savings Bank Fairfax State Savings Bank Branch	409 Vanderbilt Street	Fairfax	IA
Mediapolis Savings Bank Mediapolis Savings Bank Branch	605 Main Street	Mediapolis	IA
Citizens Savings Bank Citizens Savings Bank Branch	101 Church St	Spillville	IA
First State Bank First State Bank Branch	401 Main Street	Nashua	IA
Iowa Trust and Savings Bank Iowa Trust And Savings Bank Branch	200 North 10th Street	Centerville	IA
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	320 Church Street	Ottumwa	IA
Iowa State Savings Bank Iowa State Savings Bank Branch	401 West Adams Street	Creston	IA
Peoples Bank Rippey Branch	303 Main Street	Rippey	IA
New Albin Savings Bank New Albin Savings Bank Branch	118 Main Street	New Albin	IA
City State Bank City State Bank Branch	801 Main Street	Norwalk	IA
Success Bank Success Bank Branch	109 North Madison Street	Bloomfield	IA
Kerndt Brothers Savings Bank West Union Branch	205 North Vine Street	West Union	IA
GNB Bank Insurance & Investments Branch	603 7th St	Grundy Center	IA
GNB Bank Insurance & Investments Branch	603 7th St	Grundy Center	IA
Blue Grass Savings Bank Blue Grass Savings Bank Branch	104 East Mayne Street	Blue Grass	IA
Leighton State Bank Leighton State Bank Branch	900 Washington Street	Pella	IA
State Central Bank Stockport Branch	116 S. Main Street	Stockport	IA
Union State Bank Union State Bank Branch	611 West Highway 92	Winterset	IA
Home State Bank Home State Bank Branch	Third And Main	Royal	IA
Farmers State Bank Farmers State Bank Branch	99 7th Street North	Northwood	IA
VISIONBANK OF IOWA Visionbank Of Iowa Branch	104 Chestnut St	Ames	IA
First Bank First National Bank Branch	316 East Bremer Avenue	Waverly	IA
Exchange State Bank Exchange State Bank Branch	104 Main Street	Collins	IA
Peoples Savings Bank Peoples Savings Bank Branch	414 North Adams Street	Wellsburg	IA
Cornerstone Bank Cornerstone Bank Branch	123 East Main Street	Clarinda	IA
Tri-Valley Bank Tri-Valley Bank Branch	104 Main Street	Randolph	IA
Premier Bank Premier Bank Branch	2625 Northwest Arterial	Dubuque	IA
Union State Bank Union State Bank Branch	611 West Highway 92	Winterset	IA
Manufacturers Bank & Trust Company Lake Mills Branch	106 West Main Street	Lake Mills	IA
Clear Lake Bank and Trust Company Clear Lake Bank And Trust Company Branch	322 Main	Clear Lake	IA
West Bank West Bank Branch	1601 22nd Street	West Des Moines	IA
Farmers Savings Bank Farmers Savings Bank Branch	205 West Main Street	Marshalltown	IA
Success Bank Success Bank Branch	109 North Madison Street	Bloomfield	IA
Federation Bank Federation Bank Branch	102 East Main Street	Washington	IA
The Clinton National Bank Preston Community Branch	1 West White Street	Preston	IA
Farmers and Merchants Savings Bank Farmers And Merchants Savings Bank Branch	2235 Mormon Trek Boulevard	Iowa City	IA
The State Bank of Toledo The State Bank Of Toledo Branch	100 East High	Toledo	IA
American Bank and Trust Company, National Association American Bank And Trust Company, National Association Branch	4301 East 53rd Street	Davenport	IA
Sibley State Bank Sibley State Bank Branch	803 Fourth Avenue	Sibley	IA
Crawford County Trust and Savings Bank Audubon Branch	201 South Division Street	Audubon	IA
Citizens First Bank Citizens First Bank Branch	1442 Lincoln Way	Clinton	IA
First Community Bank Rockwell City Branch	400 Main Street	Rockwell City	IA
Central Bank Cherokee Central Trust Branch	201 West Main Street	Cherokee	IA
Maynard Savings Bank Maynard Savings Bank Branch	310 West Main Street	Maynard	IA
Guthrie County State Bank Guthrie County State Bank Branch	505 East Main Street	Panora	IA
FreedomBank Postville Office Branch	135 West Tilden	Postville	IA
Peoples Bank Rippey Branch	303 Main Street	Rippey	IA
Farmers and Merchants State Bank Farmers And Merchants State Bank Branch	101 West Jefferson	Winterset	IA
Iowa State Bank Iowa State Bank Branch	627 East Locust Street	Des Moines	IA
Westside State Bank Halbur Branch	103 North Main Street	Halbur	IA
Peoples Savings Bank Peoples Savings Bank Branch	414 North Adams Street	Wellsburg	IA
The Security National Bank of Sioux City, Iowa Mapleton Branch	313 North Fourth Street	Mapleton	IA
Hills Bank and Trust Company Downtown Branch Cr	240 Third Avenue, S.E.	Cedar Rapids	IA
State Bank & Trust Co. State Bank & Trust Co. Branch	1025 Sixth Street	Nevada	IA
Blackhawk Bank & Trust 3889 Elmore Avenue Branch	3889 Elmore Avenue	Davenport	IA
Earlham Savings Bank Earlham Savings Bank Branch	7300 Lake Drive	West Des Moines	IA
Bank Midwest Bank Midwest Branch	1525 18th Street	Spirit Lake	IA
State Bank Peterson Branch	215 Main Street	Peterson	IA
Pocahontas State Bank Pocahontas State Bank Branch	233 North Main Street	Pocahontas	IA
United Bank of Iowa United Bank Of Iowa Branch	501 2nd Street	Ida Grove	IA
Farmers Trust & Savings Bank Farmers Trust & Savings Bank Branch	122 Main Street	Earling	IA
First Whitney Bank and Trust First Whitney Bank And Trust Branch	223 Chestnut Street	Atlantic	IA
FNB Bank Fnb Bank Branch	311 5th Street	Fontanelle	IA
Availa Bank Webster City Branch	635 First Street	Webster City	IA
F&M Bank Sioux City 3rd & Virginia Branch	930 3rd Street	Sioux City	IA
TruBank What Cheer Branch	108 South Barnes	What Cheer	IA
Community State Bank Community State Bank Branch	1812 Highway Boulevard	Spencer	IA
Citizens Savings Bank Citizens Savings Bank Branch	110 West Southridge Road	Marshalltown	IA
South Ottumwa Savings Bank South Ottumwa Savings Bank Branch	320 Church Street	Ottumwa	IA
First National Bank, Ames, Iowa First National Bank, Ames, Iowa Branch	405 Fifth Street	Ames	IA
VISIONBANK OF IOWA Visionbank Of Iowa Branch	104 Chestnut St	Ames	IA
Crawford County Trust and Savings Bank Audubon Branch	201 South Division Street	Audubon	IA
Iowa State Bank Iowa State Bank Branch	500 Audubon Street	Sac City	IA
Heartland Bank Gowrie Branch	1201 Market Street	Gowrie	IA
CBI Bank & Trust Cbi Bank & Trust Branch	301 Iowa Avenue	Muscatine	IA
West Bank West Bank Branch	1601 22nd Street	West Des Moines	IA
WCF Financial Bank Wcf Financial Bank Branch	401 Fair Meadow Drive	Webster City	IA
Security Savings Bank Harcourt Branch	127 South Ash Street	Harcourt	IA
Great Southern Bank Vantus Bank Branch	329 Pierce Street	Sioux City	IA
FreedomBank Postville Office Branch	135 West Tilden	Postville	IA
Arbor Bank First Community Bank Branch	716 Illinois Street	Sidney	IA
Pinnacle Bank Pinnacle Bank Branch	2206 South Center Street	Marshalltown	IA
American State Bank American State Bank Branch	1000 Jeffreys Drive	Osceola	IA
Peoples State Bank Security State Bank Branch	15 Goethe	Guttenberg	IA
First National Bank, Ames, Iowa First National Bank, Ames, Iowa Branch	405 Fifth Street	Ames	IA
State Bank & Trust Co. State Bank & Trust Co. Branch	1025 Sixth Street	Nevada	IA
First Security State Bank First Security State Bank Branch	3600 Lafayette Road	Evansdale	IA
Waukon State Bank Waukon State Bank Branch	22 West Main Street	Waukon	IA
Iowa State Bank Iowa State Bank Branch	627 East Locust Street	Des Moines	IA
First State Bank First State Bank Branch	215 North Division Street	Stuart	IA
The Citizens First National Bank of Storm Lake The Citizens First National Bank Of Branch	East 5th And Lake Avenue	Storm Lake	IA
Bank Iowa Shenandoah West Branch	701 West Sheridan Avenue	Shenandoah	IA
BankIowa Bankiowa Of Cedar Rapids Branch	7045 C Avenue Northeast	Cedar Rapids	IA
Farmers & Merchants Bank & Trust West Burlington Branch	101 Broadway Street	West Burlington	IA
F&M Bank Sioux City 3rd & Virginia Branch	930 3rd Street	Sioux City	IA
Quad City Bank and Trust Company Quad City Bank And Trust Company Branch	2118 Middle Road	Bettendorf	IA
Two Rivers Bank & Trust Mediapolis Southeast Security Branch	105 Main Street	Mediapolis	IA
First Trust and Savings Bank First Trust And Savings Bank Branch	123 S. Main St.	Wheatland	IA
Sterling Federal Bank, F.S.B. Clinton Main Branch	122 Main Avenue	Clinton	IA
MidWestOne Bank Melbourne - Branch 32	202 Main St.	Melbourne	IA
Heartland Bank Gowrie Branch	1201 Market Street	Gowrie	IA
First Security Bank Valley Bank & Trust Branch	401 Main Street	Mapleton	IA
Two Rivers Bank & Trust Mediapolis Southeast Security Branch	105 Main Street	Mediapolis	IA
Peoples State Bank Security State Bank Branch	15 Goethe	Guttenberg	IA
Boone Bank & Trust Co. Boone Bank & Trust Co. Branch	716 Eighth Street	Boone	IA
Lincoln Savings Bank Allison Branch	400-404 Main Street	Allison	IA
First Central State Bank First Central State Bank Branch	914 Sixth Avenue	Dewitt	IA
Farmers Trust and Savings Bank Farmers Trust And Savings Bank Branch	125 West 4th Street	Spencer	IA
Ohnward Bank & Trust Ohnward Bank & Trust Branch	332 1st Avenue West	Cascade	IA
The Shelby County State Bank The Shelby County State Bank Branch	508 Court Street	Harlan	IA
Community Bank and Trust Company Wilton Branch	210 West Fourth Street	Wilton	IA
Central State Bank Mcgregor Branch	Main Street	Mc Gregor	IA
The Shelby County State Bank The Shelby County State Bank Branch	508 Court Street	Harlan	IA
Northwest Bank First National Bank Branch	242 North Main Avenue	Sioux Center	IA
Decorah Bank & Trust Company Decorah Bank & Trust Company Branch	202 East Water Street	Decorah	IA
DeWitt Bank & Trust Co. Dewitt Bank & Trust Co. Branch	815 Sixth Avenue	Dewitt	IA
U.S. Bank National Association Newton Branch	112 West 2nd Street South	Newton	IA
First National Bank of Omaha Mills County Bank, National Association Branch	102 South Locust Street	Glenwood	IA
Regions Bank Monticello Ia Branch	202 W. First Street	Monticello	IA
Bank of America, National Association Skywalk Branch	317 6th Avenue	Des Moines	IA
Regions Bank Monticello Ia Branch	202 W. First Street	Monticello	IA

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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