Best 4-Year CD Rates in Iowa, IA

You are viewing rates from banks across Iowa

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.

IA - July 30, 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)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Luana Savings Bank Polk City 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%
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
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%
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Midwest Heritage Bank, FSB Urbandale Branch	3.25%	$5,000	-	Learn More Add Review
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Bankers Trust Company Blairs Ferry Branch	1.45%	$1,000	-	Learn More Add Review
Citizens Savings Bank Cedar Branch	1.41%	$100,000	-	Learn More Add Review
Community Bank Community Bank 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 Cedar 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 Bagley Branch	1.30%	$10,000	-	Learn More Add Review
Bank Plus Swea City Branch	1.27%	$1,000	-	Learn More Add Review
Security State Bank Walnut Street Branch	1.26%	$10,000	-	Learn More Add Review
Connection Bank Keokuk Branch	1.26%	$10,000	-	Learn More Add Review
NorthStar Bank Armstrong Branch	1.26%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank Farmers & Merchants Savings Bank Branch	1.26%	$100,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Security State Bank Security State Bank - Story City Bra Branch	1.26%	$60,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Montezuma State Bank Montezuma State Bank Branch	1.25%	$10,000	-	Learn More Add Review
United Bank & Trust National Association Courthouse 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 Vinton Branch	1.25%	$100,000	-	Learn More Add Review
Chelsea Savings Bank Chelsea Branch	1.25%	$100,000	-	Learn More Add Review
Security State Bank Security State Bank - Story City Bra Branch	1.21%	$10,000	-	Learn More Add Review
Community Bank Community Bank Branch	1.20%	$5,000	-	Learn More Add Review
South Story Bank & Trust Huxley Branch	1.20%	$10,000	-	Learn More Add Review
Liberty Trust & Savings Bank Tipton Branch	1.20%	$500	-	Learn More Add Review
Primebank Sioux City Branch	1.20%	$10,000	-	Learn More Add Review
First State Bank Grinnell Branch	1.20%	$10,000	-	Learn More Add Review
First Iowa State Bank Eddyville Branch	1.20%	$100,000	-	Learn More Add Review
Fidelity Bank & Trust Lamotte Branch	1.20%	$100,000	-	Learn More Add Review
State Savings Bank Clearfield 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 Coggon Branch	1.18%	$100,000	-	Learn More Add Review
Iowa State Bank Sheldon 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 Vinton Branch	1.15%	$10,000	-	Learn More Add Review
First Iowa State Bank Eddyville Branch	1.15%	$10,000	-	Learn More Add Review
Chelsea Savings Bank Chelsea Branch	1.15%	$10,000	-	Learn More Add Review
Heritage Bank National Association 6th Street 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 Northwood Branch	1.11%	$100,000	-	Learn More Add Review
Pilot Grove Savings Bank Donnellson Branch	1.11%	$10,000	-	Learn More Add Review
American State Bank Orange City 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 Morning Sun 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 Downtown Branch	1.10%	$100,000	-	Learn More Add Review
American Bank, National Association Remsen 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 Fenton 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 Clear Lake 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 Farmers Bank Of Northern Missouri 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 Lamotte 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 Parkersburg 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 Coggon Branch	1.08%	$10,000	-	Learn More Add Review
BankOrion Bettendorf Iowa Branch	1.06%	$100,000	-	Learn More Add Review
NSB Bank Northwood Branch	1.05%	$10,000	-	Learn More Add Review
First Security Bank and Trust Company Drive-In 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 Farmers & Merchants Savings Bank 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 Olin 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 Drive-In 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 Columbus Junction 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 Olin Branch	1.00%	$10,000	-	Learn More Add Review
Commercial Savings Bank Dedham Branch	1.00%	$10,000	-	Learn More Add Review
Central Bank Central Bank 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 Detached Tellers' Facility 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 Corning 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 Alburnett 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 Eldon Branch	1.00%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
United Bank & Trust National Association Courthouse Branch	0.95%	$10,000	-	Learn More Add Review
BankOrion Bettendorf Iowa Branch	0.95%	$10,000	-	Learn More Add Review
Peoples Savings Bank Peoples Savings Bank Branch	0.95%	$1,000	-	Learn More Add Review
Maquoketa State Bank Preston Branch	0.95%	$10,000	-	Learn More Add Review
First Citizens Bank Downtown 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 Milford Branch	0.95%	$500	-	Learn More Add Review
Midstates Bank, National Association Main Office 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 - Moravi Branch	0.95%	$100,000	-	Learn More Add Review
County Bank Hartwick 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 West Liberty State 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 Alburnett 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 Fort Atkinson 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 - Moravi Branch	0.90%	$10,000	-	Learn More Add Review
South Ottumwa Savings Bank West Liberty State 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 Adel 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 Milton Branch	0.90%	$100,000	-	Learn More Add Review
Kerndt Brothers Savings Bank Decorah Branch	0.90%	$10,000	-	Learn More Add Review
GNB Bank Geneva Branch	0.89%	$35,000	-	Learn More Add Review
GNB Bank Geneva 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 Monroe State Bank Branch	0.85%	$500	-	Learn More Add Review
State Central Bank State Central Bank Branch	0.85%	$10,000	-	Learn More Add Review
Union State Bank West Des Moines 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 Grimes Branch	0.85%	$100,000	-	Learn More Add Review
First National Bank Waverly Branch	0.85%	$10,000	-	Learn More Add Review
Exchange State Bank Ames Branch	0.85%	$10,000	-	Learn More Add Review
Peoples Savings Bank Cleves 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 Essex Banking Center 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 West Des Moines Branch	0.80%	$10,000	-	Learn More Add Review
Manufacturers Bank & Trust Company Clear Lake Branch	0.80%	$10,000	-	Learn More Add Review
Clear Lake Bank and Trust Company 100 East State Street Branch	0.80%	$1,000	-	Learn More Add Review
West Bank Lower Muscatine Road Branch	0.80%	$100,000	-	Learn More Add Review
Farmers Savings Bank Beaman Branch	0.80%	$500	-	Learn More Add Review
Success Bank Milton Branch	0.80%	$10,000	-	Learn More Add Review
Federation Bank Wellman Branch	0.80%	$10,000	-	Learn More Add Review
The Clinton National Bank Camanche Branch	0.75%	$10,000	-	Learn More Add Review
Farmers and Merchants Savings Bank Nichols Branch	0.75%	$10,000	-	Learn More Add Review
The State Bank of Toledo South 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 Crawford County Trust And Savings Ba Branch	0.75%	$100,000	-	Learn More Add Review
Citizens First Bank Camanche Branch	0.75%	$10,000	-	Learn More Add Review
First Community Bank First Community Bank Branch	0.75%	$10,000	-	Learn More Add Review
Central Bank Central Bank 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 Freedombank Branch	0.75%	$100,000	-	Learn More Add Review
Peoples Bank Adel Branch	0.75%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank Motor 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 Vail Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Savings Bank Cleves Branch	0.74%	$1,000	-	Learn More Add Review
The Security National Bank of Sioux City, Iowa Climbing Hill Branch	0.70%	$10,000	-	Learn More Add Review
Hills Bank and Trust Company North Liberty Branch	0.70%	$500	-	Learn More Add Review
State Bank & Trust Co. Colo 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 De Soto Branch	0.70%	$10,000	-	Learn More Add Review
Bank Midwest Armstrong Branch	0.70%	$10,000	-	Learn More Add Review
State Bank State Bank Branch	0.70%	$10,000	-	Learn More Add Review
Pocahontas State Bank Palmer Branch	0.70%	$10,000	-	Learn More Add Review
United Bank of Iowa Onawa Branch	0.70%	$10,000	-	Learn More Add Review
Farmers Trust & Savings Bank Woodbine Branch	0.70%	$10,000	-	Learn More Add Review
First Whitney Bank and Trust Drive-In Branch	0.70%	$10,000	-	Learn More Add Review
FNB Bank Anita Branch	0.70%	$10,000	-	Learn More Add Review
Availa Bank Drive-Up 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 Fort Des Mones Community Branch	0.70%	$10,000	-	Learn More Add Review
Community State Bank Sioux Rapids Branch	0.69%	$10,000	-	Learn More Add Review
Citizens Savings Bank Le Grand Branch	0.65%	$10,000	-	Learn More Add Review
South Ottumwa Savings Bank West Liberty State Bank Branch	0.65%	$1,000	-	Learn More Add Review
First National Bank, Ames, Iowa Johnston/86th Street Branch	0.65%	$100,000	-	Learn More Add Review
VISIONBANK OF IOWA Grimes Branch	0.65%	$10,000	-	Learn More Add Review
Crawford County Trust and Savings Bank Crawford County Trust And Savings Ba Branch	0.65%	$10,000	-	Learn More Add Review
Iowa State Bank Fifth At Main Branch	0.65%	$10,000	-	Learn More Add Review
Heartland Bank Callender Branch	0.65%	$25,000	-	Learn More Add Review
CBI Bank & Trust Davenport Branch	0.60%	$10,000	-	Learn More Add Review
West Bank Lower Muscatine Road Branch	0.60%	$10,000	-	Learn More Add Review
WCF Financial Bank 305 First Street West Branch	0.60%	$10,000	-	Learn More Add Review
Security Savings Bank Dayton Branch	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank 921 Iowa Avenue Branch	0.60%	$250	-	Learn More Add Review
FreedomBank Freedombank 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 Lamoni 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 Johnston/86th Street Branch	0.55%	$10,000	-	Learn More Add Review
State Bank & Trust Co. Colo 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 Decorah 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 Redfield Branch	0.55%	$10,000	-	Learn More Add Review
The Citizens First National Bank of Storm Lake Early 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 Parking Lot 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 5405 Utica Ridge Road Branch	0.50%	$10,000	-	Learn More Add Review
Two Rivers Bank & Trust Coralville Branch	0.50%	$1,000	-	Learn More Add Review
First Trust and Savings Bank Grand Mound Branch	0.50%	$10,000	-	Learn More Add Review
Sterling Federal Bank, F.S.B. Downtown Branch	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank Fort Madison - Branch 61	0.50%	$10,000	-	Learn More Add Review
Heartland Bank Callender Branch	0.50%	$10,000	-	Learn More Add Review
First Security Bank Danbury Branch	0.50%	$1,000	-	Learn More Add Review
Two Rivers Bank & Trust Coralville 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 Aplington 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 Marion Branch	0.40%	$10,000	-	Learn More Add Review
The Shelby County State Bank Irwin Branch	0.37%	$100,000	-	Learn More Add Review
Community Bank and Trust Company Community Bank And Trust Company 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 Irwin Branch	0.34%	$10,000	-	Learn More Add Review
Northwest Bank Estherville 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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association Chariton Drive Up 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 Metro Crossing Branch	0.12%	$500	-	Learn More Add Review
Regions Bank Vinton Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Meredith 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 Polk City Branch	755 West Bridge Road	Polk City	IA
State Savings Bank State Savings Bank Branch	4800 George Mills Civic Parkway, Suite 100	West Des Moines	IA
Luana Savings Bank Polk City Branch	755 West Bridge Road	Polk City	IA
Green Belt Bank & Trust Belmond Branch	120 East Main Street	Belmond	IA
Midwest Heritage Bank, FSB Urbandale Branch	8601 Douglas Avenue	Urbandale	IA
Bankers Trust Company Blairs Ferry Branch	400 Blairs Ferry Road, Ne	Cedar Rapids	IA
Citizens Savings Bank Cedar Branch	427 Cedar	Tipton	IA
Community Bank Community Bank Branch	601 Iowa Avenue	Dunlap	IA
Ashton State Bank Ashton State Bank Branch	317 Third Street	Ashton	IA
Citizens Savings Bank Cedar Branch	427 Cedar	Tipton	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 Bagley Branch	110 Main Street	Bagley	IA
Bank Plus Swea City Branch	322 3rd Street	Swea City	IA
Security State Bank Walnut Street Branch	122 Walnut Street	Burt	IA
Connection Bank Keokuk Branch	501 Main Street	Keokuk	IA
NorthStar Bank Armstrong Branch	403 4th Avenue	Armstrong	IA
Farmers & Merchants Savings Bank Farmers & Merchants Savings Bank Branch	101 E Main Street	Manchester	IA
Security State Bank Security State Bank - Story City Bra Branch	339 Factory Outlet Drive	Story City	IA
Montezuma State Bank Montezuma State Bank Branch	101 South 4th Street	Montezuma	IA
United Bank & Trust Co. Courthouse Branch	29 South Center Street	Marshalltown	IA
Home State Bank Home State Bank Branch	115 West State Street	Jefferson	IA
Cedar Valley Bank & Trust Vinton Branch	405 W 3rd St	Vinton	IA
Chelsea Savings Bank Chelsea Branch	1101 Station Street	Chelsea	IA
Security State Bank Security State Bank - Story City Bra Branch	339 Factory Outlet Drive	Story City	IA
Community Bank Community Bank Branch	601 Iowa Avenue	Dunlap	IA
South Story Bank & Trust Huxley Branch	905 North U.S. Highway 69	Huxley	IA
Liberty Trust & Savings Bank Tipton Branch	South At Cedar	Tipton	IA
Primebank Sioux City Branch	5680 Sunnybrook Dr	Sioux City	IA
First State Bank Grinnell Branch	702 2nd Avenue	Grinnell	IA
First Iowa State Bank Eddyville Branch	224 Walnut Street	Eddyville	IA
Fidelity Bank & Trust Lamotte Branch	Main And Pine Streets	Lamotte	IA
State Savings Bank Clearfield Branch	101 Broadway Street	Clearfield	IA
First State Bank Stanhope Branch	Park And Parker Streets	Stanhope	IA
Community Savings Bank Coggon Branch	203 East Main Street	Coggon	IA
Iowa State Bank Sheldon Branch	627 2nd Avenue	Sheldon	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 Vinton Branch	405 W 3rd St	Vinton	IA
First Iowa State Bank Eddyville Branch	224 Walnut Street	Eddyville	IA
Chelsea Savings Bank Chelsea Branch	1101 Station Street	Chelsea	IA
Heritage Bank National Association 6th Street Branch	600 Pierce Street	Sioux City	IA
NSB Bank Northwood Branch	900 Central Avenue	Northwood	IA
Pilot Grove Savings Bank Donnellson Branch	521 N. Main Street	Donnellson	IA
American State Bank Orange City Branch	901 Eighth Street, S.E.	Orange City	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 Morning Sun Branch	509 South Main Street	Morning Sun	IA
Charter Bank Charter Bank Branch	5526 N.W. 86th Street	Johnston	IA
First Citizens Bank Downtown Branch	33 East State Street	Mason City	IA
American Bank, National Association Remsen Branch	400 West Highway 3	Remsen	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 Fenton Branch	Maple Street	Fenton	IA
Heritage Bank Heritage Bank Branch	695 Marion Boulevard	Marion	IA
Manufacturers Bank & Trust Company Clear Lake Branch	300 1st Avenue North	Clear Lake	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 Farmers Bank Of Northern Missouri Branch	205 Northwest Church Street	Leon	IA
Twin Cedars Bank State Bank Of Bussey Branch	402 Merrill Street	Bussey	IA
Fidelity Bank & Trust Lamotte Branch	Main And Pine Streets	Lamotte	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 Parkersburg Branch	904 Florence Street	Parkersburg	IA
Community Savings Bank Coggon Branch	203 East Main Street	Coggon	IA
BankOrion Bettendorf Iowa Branch	1855 Middle Road	Bettendorf	IA
NSB Bank Northwood Branch	900 Central Avenue	Northwood	IA
First Security Bank and Trust Company Drive-In Branch	220 First, N.W.	Hampton	IA
Templeton Savings Bank Templeton Savings Bank Branch	223 Main Street	Manning	IA
Farmers & Merchants Savings Bank Farmers & Merchants Savings Bank Branch	101 E Main Street	Manchester	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 Olin Branch	321 Jackson Street	Olin	IA
Reliance State Bank Reliance State Bank Branch	606 Broad Street	Story City	IA
Farmers State Bank Farmers State Bank Branch	401 Main Street	Lake View	IA
First Security Bank and Trust Company Drive-In Branch	220 First, N.W.	Hampton	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 Columbus Junction State Bank Branch	134 Main Street	Columbus Junction	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 Olin Branch	321 Jackson Street	Olin	IA
Commercial Savings Bank Dedham Branch	Main Street	Dedham	IA
Central Bank Central Bank Branch	700 Walnut Street, Suite 203	Des Moines	IA
Heritage Bank Heritage Bank Branch	695 Marion Boulevard	Marion	IA
Audubon State Bank Detached Tellers' Facility Branch	502 Market Street	Audubon	IA
New Albin Savings Bank New Albin Savings Bank Branch	118 Main Street	New Albin	IA
PCSB Bank Corning Branch	527 Davis Avenue	Corning	IA
Central State Bank Central State Bank Branch	109 West Main Street	State Center	IA
Farmers State Bank Alburnett Branch	Main Avenue	Alburnett	IA
Fortress Bank Davenport Branch	3260 E. 53rd Street	Davenport	IA
The Libertyville Savings Bank Eldon Branch	403 West Elm	Eldon	IA
United Bank & Trust Co. Courthouse Branch	29 South Center Street	Marshalltown	IA
BankOrion Bettendorf Iowa Branch	1855 Middle Road	Bettendorf	IA
Peoples Savings Bank Peoples Savings Bank Branch	400 East Iowa Avenue	Indianola	IA
Maquoketa State Bank Preston Branch	3 N Elliot Streeet	Preston	IA
First Citizens Bank Downtown Branch	33 East State Street	Mason City	IA
The First National Bank of Manning The First National Bank Of Manning Branch	401 Main Street	Manning	IA
Farmers Savings Bank Milford Branch	2121 Okoboji Avenue	Milford	IA
Midstates Bank, National Association Main Office Branch	812 Durant Street	Harlan	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 - Moravi Branch	23918 Hwy J18	Moravia	IA
County Bank Hartwick Branch	207 Main Street	Hartwick	IA
First State Bank First State Bank Branch	304 East Main Street	Belmond	IA
South Ottumwa Savings Bank West Liberty State Bank Branch	101 East Fourth Street	West Liberty	IA
Boone Bank & Trust Co. Boone Bank & Trust Co. Branch	716 Eighth Street	Boone	IA
Reliance State Bank Reliance State Bank Branch	606 Broad Street	Story City	IA
Peoples Bank Hawarden Location Branch	801 Central St	Hawarden	IA
Farmers State Bank Alburnett Branch	Main Avenue	Alburnett	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 Fort Atkinson Branch	104 4th St. Nw, Po Box 67	Fort Atkinson	IA
First State Bank First State Bank Branch	401 Main Street	Nashua	IA
Iowa Trust and Savings Bank Iowa Trust And Savings Bank - Moravi Branch	23918 Hwy J18	Moravia	IA
South Ottumwa Savings Bank West Liberty State Bank Branch	101 East Fourth Street	West Liberty	IA
Iowa State Savings Bank Iowa State Savings Bank Branch	Sumner Avenue And Devoe Street	Creston	IA
Peoples Bank Adel Branch	804 Greenwood Hills Drive	Adel	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 Milton Branch	408 North Main Street	Milton	IA
Kerndt Brothers Savings Bank Decorah Branch	801 Mechanic Street	Decorah	IA
GNB Bank Geneva Branch	408 Front Street	Geneva	IA
GNB Bank Geneva Branch	408 Front Street	Geneva	IA
Blue Grass Savings Bank Blue Grass Savings Bank Branch	104 East Mayne Street	Blue Grass	IA
Leighton State Bank Monroe State Bank Branch	101 W Washington Street	Monroe	IA
State Central Bank State Central Bank Branch	612 1st Street	Bonaparte	IA
Union State Bank West Des Moines Branch	6305 Mills Civic Parkway, Suite 3121	West Des Moines	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 Grimes Branch	925 Se Gateway Drive	Grimes	IA
First Bank Waverly Branch	921 West Bremer Avenue	Waverly	IA
Exchange State Bank Ames Branch	823 Wheeler, Suite 32	Ames	IA
Peoples Savings Bank Cleves Branch	33149 159th Street	Ackley	IA
Cornerstone Bank Cornerstone Bank Branch	123 East Main Street	Clarinda	IA
Tri-Valley Bank Essex Banking Center Branch	523 Iowa Street	Essex	IA
Premier Bank Premier Bank Branch	2625 Northwest Arterial	Dubuque	IA
Union State Bank West Des Moines Branch	6305 Mills Civic Parkway, Suite 3121	West Des Moines	IA
Manufacturers Bank & Trust Company Clear Lake Branch	300 1st Avenue North	Clear Lake	IA
Clear Lake Bank and Trust Company 100 East State Street Branch	100 East State Street	Mason City	IA
West Bank Lower Muscatine Road Branch	Lower Muscatine Road & First Avenue	Iowa City	IA
Farmers Savings Bank Beaman Branch	218 Main Street	Beaman	IA
Success Bank Milton Branch	408 North Main Street	Milton	IA
Federation Bank Wellman Branch	801 6th Street	Wellman	IA
The Clinton National Bank Camanche Branch	817 9th Street	Camanche	IA
Farmers and Merchants Savings Bank Nichols Branch	431 Main Street	Nichols	IA
The State Bank of Toledo South Branch	1003 S County Rd	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 Crawford County Trust And Savings Ba Branch	21 North Main Street	Denison	IA
Citizens First Bank Camanche Branch	403 South Washington Boulevard	Camanche	IA
First Community Bank First Community Bank Branch	119 S. Fulton	Newell	IA
Central Bank Central Bank Branch	700 Walnut Street, Suite 203	Des Moines	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 Freedombank Branch	210 South Main	Elkader	IA
Peoples Bank Adel Branch	804 Greenwood Hills Drive	Adel	IA
Farmers and Merchants State Bank Motor Branch	722 North First Street	Winterset	IA
Iowa State Bank Iowa State Bank Branch	627 East Locust Street	Des Moines	IA
Westside State Bank Vail Branch	115 Hwy 30	Vail	IA
Peoples Savings Bank Cleves Branch	33149 159th Street	Ackley	IA
The Security National Bank of Sioux City, Iowa Climbing Hill Branch	Main Street	Climbing Hill	IA
Hills Bank and Trust Company North Liberty Branch	Highway 965 And Zeller Street	North Liberty	IA
State Bank & Trust Co. Colo Branch	405 Main Street	Colo	IA
Blackhawk Bank & Trust 3889 Elmore Avenue Branch	3889 Elmore Avenue	Davenport	IA
Earlham Savings Bank De Soto Branch	Guthrie Street	De Soto	IA
Bank Midwest Armstrong Branch	500 6th Street	Armstrong	IA
State Bank State Bank Branch	728 Grand Avenue	Spencer	IA
Pocahontas State Bank Palmer Branch	528 Hansen Avenue	Palmer	IA
United Bank of Iowa Onawa Branch	21945 State Highway 175	Onawa	IA
Farmers Trust & Savings Bank Woodbine Branch	510 Lincoln Way	Woodbine	IA
First Whitney Bank and Trust Drive-In Branch	700 Chestnut Street	Atlantic	IA
FNB Bank Anita Branch	793 Main Street	Anita	IA
Availa Bank Drive-Up Branch	601 West Elm Avenue	Pocahontas	IA
F&M Bank Sioux City 3rd & Virginia Branch	930 3rd Street	Sioux City	IA
TruBank Fort Des Mones Community Branch	612 Army Post Road	Des Moines	IA
Community State Bank Sioux Rapids Branch	123 Main Street	Sioux Rapids	IA
Citizens Savings Bank Le Grand Branch	104 East Main Street	Le Grand	IA
South Ottumwa Savings Bank West Liberty State Bank Branch	101 East Fourth Street	West Liberty	IA
First National Bank, Ames, Iowa Johnston/86th Street Branch	8430 Birchwood Court, Suite 1100	Johnston	IA
VISIONBANK OF IOWA Grimes Branch	925 Se Gateway Drive	Grimes	IA
Crawford County Trust and Savings Bank Crawford County Trust And Savings Ba Branch	21 North Main Street	Denison	IA
Iowa State Bank Fifth At Main Branch	Fifth At Main	Lake View	IA
Heartland Bank Callender Branch	425 Thomas Street	Callender	IA
CBI Bank & Trust Davenport Branch	101 W 2nd Street	Davenport	IA
West Bank Lower Muscatine Road Branch	Lower Muscatine Road & First Avenue	Iowa City	IA
WCF Financial Bank 305 First Street West Branch	305 First Street West	Independence	IA
Security Savings Bank Dayton Branch	39 South Main St	Dayton	IA
Great Southern Bank 921 Iowa Avenue Branch	921 Iowa Avenue	Onawa	IA
FreedomBank Freedombank Branch	210 South Main	Elkader	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 Lamoni Branch	801 East Main Street	Lamoni	IA
Peoples State Bank Security State Bank Branch	15 Goethe	Guttenberg	IA
First National Bank, Ames, Iowa Johnston/86th Street Branch	8430 Birchwood Court, Suite 1100	Johnston	IA
State Bank & Trust Co. Colo Branch	405 Main Street	Colo	IA
First Security State Bank First Security State Bank Branch	3600 Lafayette Road	Evansdale	IA
Waukon State Bank Decorah Branch	321 West Water Street	Decorah	IA
Iowa State Bank Iowa State Bank Branch	627 East Locust Street	Des Moines	IA
First State Bank Redfield Branch	917 1st Street	Redfield	IA
The Citizens First National Bank of Storm Lake Early Branch	W Main Street	Early	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 Parking Lot Branch	Fourth And Valley Streets	Burlington	IA
F&M Bank Sioux City 3rd & Virginia Branch	930 3rd Street	Sioux City	IA
Quad City Bank and Trust Company 5405 Utica Ridge Road Branch	5405 Utica Ridge Road	Davenport	IA
Two Rivers Bank & Trust Coralville Branch	3292 Ridgeway Drive, Suite A	Coralville	IA
First Trust and Savings Bank Grand Mound Branch	601 Smith Street	Grand Mound	IA
Sterling Federal Bank, F.S.B. Downtown Branch	247 Seventh Avenue South	Clinton	IA
MidWestOne Bank Fort Madison - Branch 61	926 Avenue G	Fort Madison	IA
Heartland Bank Callender Branch	425 Thomas Street	Callender	IA
First Security Bank Danbury Branch	123 Main Street	Danbury	IA
Two Rivers Bank & Trust Coralville Branch	3292 Ridgeway Drive, Suite A	Coralville	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 Aplington Branch	932 Parrott	Aplington	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 Marion Branch	665 Marion Boulevard	Marion	IA
The Shelby County State Bank Irwin Branch	512 Ann Street	Irwin	IA
Community Bank and Trust Company Community Bank And Trust Company Branch	2609 2nd Avenue	Muscatine	IA
Central State Bank Mcgregor Branch	Main Street	Mc Gregor	IA
The Shelby County State Bank Irwin Branch	512 Ann Street	Irwin	IA
Northwest Bank Estherville Branch	One North 6th Street	Estherville	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 Chariton Drive Up Branch	926 Court Avenue	Chariton	IA
First National Bank of Omaha Metro Crossing Branch	3815 Denmark Drive	Council Bluffs	IA
Regions Bank Vinton Branch	510 A Avenue	Vinton	IA
Bank of America, National Association Meredith Branch	8525 Meredith Drive	Urbandale	IA
Regions Bank Vinton Branch	510 A Avenue	Vinton	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.

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