Certificates of Deposit||Base Interest Rate||Base APY||
Bronze Tier APY||
Silver Tier APY||
Gold Tier APY||
Platinum Tier APY|
Bonus Interest Rate||N/A||
91 Days (91-181 Days)||0.80%||0.80%||0.82%||0.85%||0.87%||0.90%|
182 Days (182-364 Days)||1.25%||1.25%||1.27%||1.30%||1.32%||1.35%|
12 Months (12-23 Months)||1.45%||1.45%||1.47%||1.50%||1.52%||1.55%|
24 Months (24-35 Months)||1.55%||1.55%||1.57%||1.60%||1.62%||1.65%|
36 Months (36-47 Months)||1.80%||1.80%||1.82%||1.85%||1.87%||1.90%|
48 Months (48-59 Months)||1.95%||1.95%||1.97%||2.00%||2.02%||2.05%|
Ask a Relationship Banker about our Wellness Option!
For All Bankers Trust CDs
Minimum balance to obtain annual percentage yield (APY): Standard and HSA $1,000, Minors $500, IRA $200, Auto Save IRA $50. Penalty for early withdrawal. Fees may reduce earning. Available only for consumer customers holding accounts for personal, family, or household purposes. Not valid in combination with other promotional offers. Advertised APYs available to customers residing in the Des Moines or Ames metropolitan areas. All interest rates and terms and conditions are subject to change without notice.
1Relationship Package Bonus Interest Rate Terms
Rate information: The interest rate on your account is the initial base interest rate stated on your CD Signature Card, plus a bonus interest rate, if applicable. Your interest rate, APY, and the applicable benefits tier may change while enrolled in the Relationship Package.
Determination of rate: The interest rate on your account is based on the initial base interest rate, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.
Frequency of rate changes: We may change the bonus interest rate on your account every time you qualify for a different benefits tier.
Limitations on rate changes: The interest rate will never drop below the initial base interest rate disclosed to you on your CD Signature Card for the agreed upon term of the CD. If you allow a matured CD to automatically renew, the base interest rate will change to the then-prevailing interest rate for the term.
Please see information about qualifying for the Relationship Package.
APY stated assumes a 12-month term. Please contact a banker for specific APYs for other terms.
3 36-Month Anniversary CD
On each of the first two anniversary dates, Bankers Trust will automatically choose the APY which is the higher of either the existing APY or the highest like-term promotional APY the Bank offers, and apply it for the term remaining on your CD. APY will not fall below what is disclosed on your CD at account opening. APY disclosed based on initial base interest rate for first year. APY may change on each anniversary date of CD's issue date, but will never fall below initial base interest rate and APY. APY will not automatically apply to CDs renewing during this promotion.
4 CD Interest Rates
APYs stated are for the term in bold print. APY may vary for terms in parentheses. Please call 1-800-362-1688 to obtain APY for other terms.