Certificates of Deposit 

...or CDs, are a well-established method of allowing you to capture a high rate of interest in return for investing your money for a specific period of time. Iowa State Bank & Trust offers a variety of CDs, ranging from three months to 60 months. Interest begins to accrue on the business day of your deposit for any CD option. Here are a few options we offer in CDs...

ISB&T Regular Certificates of Deposit 

With an automatically renewable time deposit from three months to 60 months, each certificate is for a specific time at a fixed rate. Interest is compounded quarterly. There is a $1,000 minimum deposit to open a CD. And as standard goes, you are not allowed to add or withdraw any principal to or from the certificate.

Flex CD 

A flexible term, variable rate CD, requiring a $100 minimum deposit. The rate itself is determined by the time invested. The interest rate can change in your account at any time. You may add to the principal of the certificate at any time. Interest will be compounded on the calendar quarter.

Interest Rates 

All of our deposit product rates are updated weekly and are located on our Deposit Rates Page.