Current CD, Savings, and Money Market Rates

Central State Bank provides competitive deposit rates designed to support personal financial growth with consistency and security. Customers can review current rates for certificates of deposit, savings accounts, NOW checking, and money market accounts in one convenient location. These options support short-term goals, long-range planning, and everyday cash management while maintaining dependable access to funds.

As a trusted community bank in Iowa, Central State Bank focuses on responsible banking practices and transparent rate structures. Deposit accounts are structured to balance earnings potential with stability, helping customers protect and grow their money in a reliable banking environment.

Deposit Rates Effective as of March 02, 2026

Certificates of Deposit

Certificates of deposit at Central State Bank offer fixed interest rates with flexible term options. CDs are ideal for individuals seeking predictable earnings and reduced exposure to market volatility. Competitive CD rates help maximize returns while maintaining peace of mind through insured deposits and local service support.

Customers can choose a term length that aligns with financial plans, allowing savings growth without daily market fluctuations. CD accounts work well for future purchases, emergency reserves, and planned expenses.

Certificates of Deposit Terms	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
6 Month	3.45	3.48	$1,500.00	$0.01
12 Months	3.55	3.58	$1,500.00	$0.01
18 Months	3.40	3.43	$1,500.00	$0.01
24 Months	3.30	3.33	$1,500.00	$0.01
36 Months	3.20	3.23	$1,500.00	$0.01
48 Months	3.10	3.12	$1,500.00	$0.01
60 Months	3.00	3.02	$1,500.00	$0.01
9 Months Special	3.75	3.79	$1,500.00	$0.01
15 Months Special	3.85	3.89	$1,500.00	$0.01

These rates are subject to change at any time. Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months

Savings and NOW Checking Accounts

Savings accounts provide a straightforward way to earn interest while maintaining liquidity. These accounts support consistent saving habits and easy access to funds when needed. NOW checking accounts combine everyday banking convenience with interest-earning potential, making them suitable for individuals who want both flexibility and growth.

Central State Bank savings solutions are designed for simplicity, accessibility, and long-term value. Account holders benefit from local expertise, secure digital access, and responsive customer service.

Savings and NOW Accounts	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
Regular Savings	0.15	0.15	$50.00	$0.01
NOW Checking Account	0.10	0.10	$750.00	$0.01
NOW Elite Checking	2.50	2.50	$1,000.00	$100,000.00 or below
NOW Elite Checking	0.00	0.00	$1,000.00	$100,00.01 & Up

NOW Elite- An interest rate of 0% will be paid only for the portion of daily balance that is greater than $100,000.00.

These rates are subject to change at any time. See account disclosures for details. Fees could reduce earnings on Savings and NOW Accounts.

Money Market Accounts

Money market accounts offer a balance between higher interest potential and account flexibility. These accounts may suit customers who wish to maintain larger balances while seeking competitive yields. Money market options support short-range planning while keeping funds accessible for changing financial needs.

Money Market Accounts	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit Amount	Minimum Daily Balance to Obtain Annual Percentage Yield
CSB Money Market	1.40	1.40	$5,000,00	$25,000.00 or below
CSB Money Market	1.50	1.50	$5,000,00	$25,000.01 to $100,000.00
CSB Money Market	1.55	1.55	$5,000,00	$100,000.01 to $250,000.00
CSB Money Market	1.65	1.65	$5,000,00	$250,000.01 & Up
CSB Money Market	3.25	3.25	$5,000.00	$500,000.01 & Up
Senior Money Market	1.50	1.50	$1,000,00	$0.01

These rates are subject to change at any time. See account disclosures for details. Fees could reduce earnings on Money Market accounts.

Tools and Resources

Financial calculators are available to help estimate earnings and evaluate savings strategies. These tools assist with planning decisions and account comparisons based on individual financial objectives.
Start Growing Your Savings
Contact Central State Bank today to review current deposit rates and explore account options that align with your financial goals. Speak with a local banking professional, open a new account, or use available planning tools to begin building stronger savings with a trusted community bank.