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Bank Iowa Business Certificate of Deposit

Save and earn for your business at a rate you'll enjoy. Check out our Bank Iowa locations and get started today!    

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Extra funds? Enjoy higher interest

If you're looking to earn higher interest and your business can part with having immediate access to some of your funds, consider opening a certificate of deposit (CD) — a savings certificate with a fixed maturity date. This secure investment typically provides higher interest rates on CDs with longer terms and higher balances.*

CDs are unlike many other investments – they are simple to understand and set up, then left alone to gain interest for the duration of the term length. For today's busy business owners, the simplicity and security of CDs make them a good choice, especially for those who don’t want to bother with investments that need to be constantly monitored.

With term options ranging from 3 to 60 months, you can open a CD at Bank Iowa with as little as $500 and receive a fixed interest rate on your daily balance until the CD reaches maturity. Be sure to also check any current CD specials we have on our rates page. Ask us about how you can begin enjoying this secure, FDIC-insured investment today!

*A CD restricts access to the funds until the maturity date of the investment — early withdrawal may result in penalties and reduce earnings.

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Account TypeMin Balance to obtain APYInterest RateAnnual Percentage Yield (APY)
7-Month CD Special*
$5,000 and above $5,000 4.20 4.25
13-Month CD Special*
$5,000 and above $5,000 4.20 4.25
23-Month CD Special*
$5,000 $5,000 4.16 4.20
3 Month**
$0 - $9,999.99 $500 1.01 1.01
$10,000 - $24,999.99 $10,000 1.01 1.01
$25,000 and above $25,000 1.01 1.01
6 Month**
$0 - $9,999.99 $500 1.53 1.54
$10,000 - $24,999.99 $10,000 1.53 1.54
$25,000 and above $25,000 1.53 1.54
12 Month**
$0 - $9,999.99 $500 1.69 1.70
$10,000 - $24,999.99 $10,000 1.69 1.70
$25,000 and above $25,000 1.69 1.70
18 Month**
$0 - $9,999.99 $500 1.82 1.83
$10,000 - $24,999.99 $10,000 1.82 1.83
$25,000 and above $20,000 1.82 1.83
24 Month**
$0 - $9,999.99 $500 1.60 1.61
$10,000 - $24,999.99 $10,000 1.60 1.61
$25,000 and above $25,000 1.60 1.61
30 Month**
$0 - $9,999.99 $500 1.55 1.56
$10,000 - $24,999.99 $10,000 1.55 1.56
$25,000 and above $25,000 1.55 1.56
36 Month**
$0 - $9,999.99 $500 1.48 1.49
$10,000 - $24,999.99 $10,000 1.48 1.49
$25,000 and above $25,000 1.48 1.49
48 Month**
$0 - $9,999.99 $500 1.42 1.42
$10,000 - $24,999.99 $10,000 1.42 1.42
$25,000 and above $25,000 1.42 1.42
60 Month**
$0 - $9,999.99 $500 1.34 1.34
$10,000 - $24,999.99 $10,000 1.34 1.34
$25,000 and above $25,000 1.34 1.34
36 Month Step Up***
$0 - $9,999.99 $500 1.27 1.27
$10,000 - $24,999.99 $10,000 1.27 1.27
$25,000 and above $25,000 1.27 1.27
60 Month Step Up***
$0 - $9,999.99 $500 1.19 1.19
$10,000 - $24,999.99 $10,000 1.19 1.19
$25,000 and above $25,000 1.19 1.19

*Minimum balance to open is $5,000.00. The interest rate and annual percentage yield will not change for the term of the account. Early withdrawal penalties may apply.

**Minimum balance to open is $500.00. The interest rate and annual percentage yield will not change for the term of the account. Early withdrawal penalties may apply.

***Minimum balance to open is $500.00. The interest rate and annual percentage yield may be increased once by the accountholder during the term of the CD. Early withdrawal penalties may apply.