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Des Moines/New Accounts

New Certificate of Deposit (CD) Account

Des Moines, Iowa

​CD Terms


Maturity Date
(based on Funding Date)**

Open Online

(92 days - 181 days)  
Minimum balance: $1,000.00
182 days (183 days - 364 days)  
Minimum balance: $1,000.00
12 months (13 - 23 months)  
Minimum balance: $1,000.00
24 months (23 - 35 months)  
Minimum balance: $1,000.00
36 months (37 - 47 months)  
Minimum balance: $1,000.00
48 months (49 - 59 months)  
Minimum balance: $1,000.00
60 months  
Minimum balance: $1,000.00

Benefits of CDs opened online

  • Interest rates based on opening deposit and term
  • Interest compounded annually or at maturity (for CDs with a maturity less than one year)
  • Automatically renewable
  • $1,000 minimum deposit required to open
  • Bankers Trust Wellness Option allows early withdrawal without penalty*** when you have a Bankers Trust checking account and need to redeem CD early due to medical emergency
  • FDIC Insured
* Annual Percentage Yield (APY) effective as of 04/01/2014 and subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings.
** Funding Date is the date we receive your deposit to fund the account. The maturity date displayed assumes the CD is funded today. You will receive e-mail confirmation of the final maturity date on the Funding Date of the CD.
*** Federal law requires a penalty of seven days simple interest be paid on amounts withdrawn within the first six days after a deposit or partial deposit.

For additional CD options, contact Customer Service at 1-800-362-1688 or​.
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Equal Housing Lender Member FDIC, Affirmative Action/Equal Opportunity Employer