CDs & IRAs

Planning for your future is important. At Iowa State Bank we offer many products and services to help you prepare for every stage of life. Let us help you do more with your money.


Iowa State Bank is currently offering a 5.00% APY* special that is pick your own term on 5-8 months OR a 4.50% APY* special that is pick your own term on 9-11 months. To take advantage of these special rates please speak to a banker for more details. 

*The information above is accurate as of October 16th, 2023. Interest Rates may change after an account is opened and these rates will be posted as of their effective date. Maintenance and / or activity fees may reduce earnings. APY = Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest or any withdrawal may reduce earnings and a penalty may be applied on some accounts for early withdrawals. A $5,000 minimum balance is required to open CD. Interest Rates subject to change daily.

Our Certificate of Deposit savings solution offers competitive interest rates with flexible term options to protect your investment. CDs are FDIC insured and will give you a guaranteed return without risking your savings.

  • $1,000 minimum opening deposit
  • Available terms from 3 months to 5 years
  • Interest is compounded annually or at maturity
  • Interest can be deposited into an account monthly or quarterly
  • Early withdrawal will result in a penalty


Individual Retirement Accounts provide a way for you to make a tax-deferred or tax-free* investment for your retirement. If you are interested in saving for your long-term future, we have two IRA products that can help. Stop in to any ISB branch to learn more and determine which product is best for you!