CDs & IRAs

Certificates of Deposit (CDs)

It's always a wise investment when you choose one of our Certificates of Deposit (CD). If you can leave your savings alone for a specific period of time, a CD could be the right choice for you. They pay competitive rates and are easy to set up.


  • All certificates can be opened with just $500 (only $250 for minors)
  • Offered at terms from 3 to 60 months
  • Interest compounds daily and is posted monthly to your certificate or savings account


To open a CD, visit any branch location or call us at 563-355-0152.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are great tools to help you stockpile your money, all the while earning great dividends. We offer both Traditional IRAs and Roth IRAs. Certificates of Deposit IRAs can be opened with just $500 with terms 12-60 months - yeah baby! Savings account IRAs are also available with our IRA Saver product. You may deposit funds at any time, up to the IRS limits. No minimum balance required. 

  • Traditional IRA

    With a Traditional IRA, deposits, or contributions, are tax-deductible. So you pay less income tax in the year contributions are made. Your earnings always grow tax-deferred which means taxes are only paid when the money is withdrawn from the IRA.
  • Roth IRA

    With a Roth IRA, contributions are nondeductible and taxed in the year they are earned. The Roth IRA features tax-free withdrawals for certain distribution reasons after a five-year holding period.

To open an IRA:

Call us at 563-355-0152 or 800-426-5241.
Stop in to any of our convenient locations as we would love to see you!

  • CDs

    Certificate Term*Dividend RateAnnual Percentage Yield
    91 Days0.20%0.20% APY
    6 Months0.50%0.50% APY 
    12 Months0.55%0.55% APY
    13 Months**4.88%5.00% APY
    18 Months0.65%0.65% APY 
    24 Months0.75% 0.75% APY
    26 Months***3.92%4.00% APY
    30 Months3.44%3.50% APY
    36 Months1.00%1.00% APY
    48 Months1.19%1.20% APY
    60 Months1.49%1.50% APY

    *Minimum deposit for most terms is $500. Penalty for early withdrawal.

    **Upon maturity, the 13-month certificate will renew to a 12-month certificate.

    ***Upon maturity, the 26-month certificate will renew to a 24-month certificate.

    IRA Certificates of Deposit are available at the same interest rates as our regular Certificates of Deposits. Certificates may be designated traditional or Roth IRAs. 91 days and 6 months terms not available for IRA Certificates of Deposits. Other restrictions and requirements may apply. Rates subject to change. 

View All Rates