Great Short Term CD Rates & No Fees1
Lock in a secure way to grow your savings with an FSB Certificate of Deposit. Enjoy guaranteed returns, no fees,1 and flexible terms designed to help you reach your financial goals.
Choose a CD Term That Works for You
Boost your savings with competitive CD rates designed to fit your financial goals.
Current Short-Term CD Rates
4.00%27 Months |
3.75%213 Months |
3.50%222 Months |
Looking for more options? See all rates.
Benefits of Opening a Certificate of Deposit
We Make Opening a CD Easy
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Fill out our online account form in just a few minutes to get started.
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A banker will reach out to confirm details and answer any questions.
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Make your deposit, lock in your rate, and start earning with your CD!
FAQs About Certificate of Deposits
Find answers to common questions about securing a guaranteed return with a CD.
What is a Certificate of Deposit (CD)?
A CD is a secure savings option that offers a fixed interest rate for a set term, helping you grow your money with guaranteed returns. Learn more about CDs.
Is there a minimum deposit required to open a CD?
The minimum deposit required to open an FSB CD is $1,000.
How is interest paid on my CD?
Interest is compounded and paid out quarterly, allowing your savings to grow consistently over time.
Does my CD renew automatically?
Yes, FSB CDs typically renew automatically at the end of the term, except for CD specials. You’ll receive a notice before maturity with options to renew or withdraw.
Can I withdraw money from my CD early?
Yes, but an early withdrawal penalty may apply. To avoid penalties, it’s best to select a term that aligns with your savings plan.
Opening a CD was fast & easy, and the staff was incredibly helpful.- Dianna G.
Open a CD Online in Iowa & Start Saving Today!
FSB has the right solution whether you're looking to grow your savings or plan for your financial future. Just fill out the form linked below, and a local banker will contact you to complete the process.
No Fees. Guaranteed Growth.
Lock in a competitive rate with an FSB Certificate of Deposit—$1,000 minimum deposit, flexible terms, and no fees.1
†All rates are subject to change without notice. Interest bearing account – refer to FSB's rate sheet for information on Interest Rates and Annual Percentage Yields. FSB is not responsible for typographical errors or omissions.
1Fees assessed if requirements no met plus applicable sales tax. Fees may reduce earnings.
2Annual Percentage Yield (APY) subject to change without notice. Minimum deposit of $1,000.00 required. Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Fees may reduce earnings. Penalty for early withdraw may apply including loss of principal. For current rate information call (319) 377-4891 or see FSB Rates for full list of CD Offerings.. Rate = Interest Rate
3Link to the FDIC Calculator.
1Fees assessed if requirements no met plus applicable sales tax. Fees may reduce earnings.
2Annual Percentage Yield (APY) subject to change without notice. Minimum deposit of $1,000.00 required. Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Fees may reduce earnings. Penalty for early withdraw may apply including loss of principal. For current rate information call (319) 377-4891 or see FSB Rates for full list of CD Offerings.. Rate = Interest Rate
3Link to the FDIC Calculator.
