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Des Moines/Rates/CD Rates

Certificate of Deposit Interest Rates

Des Moines, Iowa

​Consumer CD Interest Rates

1.00% Interest Rate
APY: 1.00%

6 - 20 month term Pick-a-Term

1.10% Interest Rate

APY: 1.10%​

36-month anniversary term*
For all promotional CDs: Minimum balance to obtain annual percentage yield (APY) is $1,000. Minimum balance for minors to obtain the APY is $500. Minimum balance for IRAs to obtain APY is $200. Penalty will be imposed for early withdrawal. Fees may reduce earnings. Available only for Consumer customers holding accounts for personal, family or household purposes. Not valid in combination with other promotional offers. Interest rate will not automatically apply to CDs that are automatically renewing during this promotion. All APYs assume customers holding a primary checking account with Bankers Trust. Call (515) 245-2863 or toll free 1-800-362-1688 to obtain APYs for non-checking account holders. All interest rates and terms and conditions are subject to change without notice. Advertised APYs available to customers residing in the Des Moines or Ames metropolitan areas. Interest rates and APYs effective as of April 1, 2014.

*Special terms for Anniversary CDs: Must have a Bankers Trust primary checking account. A primary checking is an account in which you routinely deposit the majority of your income or benefits from any source and against which you routinely authorize payment of the majority of expenses each calendar month​. On each of the first two anniversary dates, Bankers Trust will automatically choose the interest rate which is the higher of either the existing interest rate or the highest like-term promotional interest rate the Bank offers, and apply it for the term remaining on your certificate. Interest rate will not fall below what is disclosed on your CD at account opening. Annual percentage yield (APY) disclosed is based on the initial interest rate. Interest rate and APY may change on each anniversary date of the Certificates of Deposit’s (CD’s) issue date.

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