CDs (Certificates of Deposit)

Enjoy Peace Of Mind With Risk-Free CD Personal Accounts

As a family and employee-owned community bank, we understand the importance of having reliable ways to grow your savings for you and your family. That’s why Decorah Bank & Trust offers low-risk savings options beyond our personal savings accounts as part of our financial services. If you’re looking for a high-interest savings account, a CD account is a perfect option for you!

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Certificate of Deposit Bank Accounts

Enjoy a variety of competitive, customized certificates of deposit (CDs) options that have CD terms to fit your unique saving needs. Whether it’s just a few months or up to a few years, take advantage of the higher interest rates combined with the safety and security of FDIC insurance. Contact a personal banker to discuss CD options and CD rates today. 

CDARS – FDIC Insurance for Deposits of More Than $250,000

Enjoy full FDIC insurance on deposit amounts larger than $250,000 merged with the convenience of using your community bank, one CD rate, and one simple bank statement. CDARS is a registered service mark of Promontory Interfinancial Network, LLC, and is ideal for deposits ranging from $250,000 to millions of dollars. Contact a personal banker to discuss CD options and CD rates today. 

Certificates of Deposit (CDs) earn interest and have no monthly service charge. *Annual Percentage Yield (APY) effective as of 04/01/25 and subject to change. $500 minimum deposit required. Early withdrawal penalties may apply and reduce earnings. 

See How Much Your CD Can Grow With Different CD Interest Rates

*The figures entered on the input page of this CD calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this CD interest rate calculator are also intended for illustrative purposes only and accuracy is not guaranteed.  

CD interest rates are traditionally higher than traditional savings account interest rates. CDs provide a customizable, reliable, and low-risk savings plan. Certificate of Deposit accounts offer fixed interest rates and are paid out at a CD maturity date chosen by you. CDs are the best savings account for those wanting high savings interest rates and do not need access to their funds for a set term. Let Decorah Bank & Trust help you save more, without the risk!

Start Earning Higher Interest 

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