Iowa State Savings Bank

Certificates of Deposit (CDs)

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Set money aside for a fixed period with a guaranteed return

If you have money you will not need for a while, a CD lets you lock in a higher rate.

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When it fits

This option is often a good fit if:

  • You have funds you do not plan to use right away 
  • You want a guaranteed rate of return 
  • You are comfortable setting money aside for a fixed period 
  • You want to avoid market risk 

How it works

  • Choose a term that fits your timeline 
  • Your rate is set when the account is opened 
  • Funds remain in place until the term ends 
  • Early withdrawal penalties may apply 

CDs are typically used for funds you can leave untouched for the full term.


Rates and terms

Rates vary based on term length and current market conditions.


Open your account

Stop in and we will walk through available options and terms with you.

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