Certificates of Deposit (CDs)
For those looking to grow their savings, consider a Bankers Trust Certificate of Deposit (CD). A CD is an FDIC-insured investment option where money is put into an account that is not used for a period of time. This allows you to earn interest at a predetermined rate, which tends to be higher than most savings accounts. A CD typically offers a higher rate of return with all the safety and security of savings accounts. All Bankers Trust CDs can be opened at a branch and some can even be opened online.
Promotional CD Rates
Effective Date: July 17th, 2025
Annual Percentage Yield (APY) effective as of July 17th, 2025 and subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings. $1,000 minimum deposit for CDs and $200 minimum deposit for CD IRAs to open. $500 minimum deposit required for savers under age 18.
Funding Date is the date we receive your deposit to fund the account. The maturity date displayed assumes the CD is funded today.
Federal law requires a penalty of seven days simple interest be paid on amounts withdrawn within the first six days after a deposit or partial deposit.
Our Best Rates on Personal CDs
Effective Date: July 17th, 2025
The interest rate and annual percentage yield (APY) may change without notice.
For additional market-specific special product offers, be sure to visit your local Bankers Trust branch.
| Certificates of Deposit | Base Interest Rate (Consumer Rate Sheet) | Base APY (Consumer Rate Sheet) | Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%) | Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%) | Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%) | Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%) |
|---|---|---|---|---|---|---|
| 3 Month | Base Interest Rate (Consumer Rate Sheet): 4.00% | Base APY (Consumer Rate Sheet): 4.06% | Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 4.27% | Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 4.37% | Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 4.47% | Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 4.58% |
| 7 Month | Base Interest Rate (Consumer Rate Sheet): 4.00% | Base APY (Consumer Rate Sheet): 4.03% | Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 4.24% | Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 4.34% | Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 4.44% | Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 4.54% |
| 13 Month | Base Interest Rate (Consumer Rate Sheet): 3.75% | Base APY (Consumer Rate Sheet): 3.75% | Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 3.95% | Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 4.05% | Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 4.15% | Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 4.25% |
You may call (515) 245-2863 to obtain current interest rate information. See the Truth-in-Savings Disclosure in the Consumer Terms and Conditions brochure for additional disclosure information.
Annual Percentage Yield (APY) effective as of July 17th, 2025 and subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings. $1,000 minimum deposit for CDs and $200 minimum deposit for CD IRAs to open. $500 minimum deposit required for savers under age 18.
Funding Date is the date we receive your deposit to fund the account. The maturity date displayed assumes the CD is funded today.
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.
1Loyalty Program Bonus Interest Rate Terms
Please see information about qualifying for the Benefits Banking Loyalty Program.
Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Loyalty Program.
Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, 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 variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.
Personal CD Interest Rates
Effective Date: July 17th, 2025
The interest rate and annual percentage yield (APY) may change without notice.
| Certificates of Deposit | Base Interest Rate (Consumer Rate Sheet) | Base APY (Consumer Rate Sheet) | Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%) | Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%) | Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%) | Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%) |
|---|---|---|---|---|---|---|
| 91 Days (91-181 Days) | Base Interest Rate (Consumer Rate Sheet): 1.10% | Base APY (Consumer Rate Sheet): 1.10% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.31% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.41% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.51% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.61% |
| 182 Days (182-364 Days) | Base Interest Rate (Consumer Rate Sheet): 1.20% | Base APY (Consumer Rate Sheet): 1.20% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.40% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.51% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.61% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.71% |
| 12 Months (12-23 Months) | Base Interest Rate (Consumer Rate Sheet): 1.30% | Base APY (Consumer Rate Sheet): 1.30% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.50% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.60% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.70% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.80% |
| 24 Months (24-35 Months) | Base Interest Rate (Consumer Rate Sheet): 1.35% | Base APY (Consumer Rate Sheet): 1.35% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.55% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.65% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.75% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.85% |
| 36 Months (36-47 Months) | Base Interest Rate (Consumer Rate Sheet): 1.40% | Base APY (Consumer Rate Sheet): 1.40% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.60% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.70% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.80% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.90% |
| 48 Months (48-59 Months) | Base Interest Rate (Consumer Rate Sheet): 1.45% | Base APY (Consumer Rate Sheet): 1.45% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.65% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.75% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.85% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.95% |
| 60 Months | Base Interest Rate (Consumer Rate Sheet): 1.50% | Base APY (Consumer Rate Sheet): 1.50% | Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%): 1.70% | Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%): 1.80% | Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.90% | Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 2.00% |
You may call (515) 245-2863 to obtain current interest rate information. See the Truth-in-Savings Disclosure in the Consumer Terms and Conditions brochure for additional disclosure information.
Annual Percentage Yield (APY) effective as of July 17th, 2025 and subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings. $1,000 minimum deposit for CDs and $200 minimum deposit for CD IRAs to open. $500 minimum deposit required for savers under age 18.
Funding Date is the date we receive your deposit to fund the account. The maturity date displayed assumes the CD is funded today.
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.
1Loyalty Program Bonus Interest Rate Terms
Please see information about qualifying for the Benefits Banking Loyalty Program.
Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Loyalty Program.
Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, 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 variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.
CD and CD IRA Features
- Interest will be compounded and credited annually, unless you have selected a term shorter than 12 months, in which case interest will be compounded and credited at maturity
- Interest may be disbursed monthly, quarterly, semi-annually, annually, or at maturity by transfer to your Bankers Trust account or electronic transfer (ACH) to your account at another institution
- $1,000 minimum deposit for CDs and $200 minimum deposit for CD IRAs to open
- $500 minimum deposit required for savers under age 18
- Bankers Trust Wellness Option allows early withdrawal without penalty* when you have a Bankers Trust primary checking account** and need to redeem your CD early due to a medical emergency
- Automatic renewal option
* Federal law requires an interest penalty of 7 days’ interest be paid on amounts withdrawn within the first six days of deposit. Wellness option does not apply to Health Savings Account (HSA) CDs
**A Primary Checking account is a Breakfree Checking or Direct Checking account in which the following requirements are met each 60 days.
1) 25 debit transactions. A “debit transaction” for the purpose of this section means a debit to your checking account from an ACH, Bankers Trust bill payment, drafting checks, or use of your debit card as a method of payment or purchase. A “debit transaction” does not include debits to your checking account that originated from ATM withdrawals, or other debits to your checking account, and,
2) 2 direct or mobile express deposits of at least $200 each. A “deposit” for purposes of this section does not include ATM deposits, deposits made in person, account-to-account transfers, or other deposits to your checking account.
Health Savings Account (HSA) CDs
Funds held in a Bankers Trust Health Advantage Checking account are eligible for deposit into a CD.
- Stock, Bond, and Mutual Fund Asset Safekeeping
- Corporate Actions Processing
- Bank Portfolios
- Bank Trust Departments
- Minimum opening deposit: $1,000
- HSA CD interest must either be added to the CD or paid directly to your Health Advantage Checking account
- If you redeem the HSA CD, the money must be transferred back to your Health Advantage Checking account
- Early withdrawals of principal made for any reason, including medical expenses, are subject to penalty
- HSA CDs must be opened in a Bankers Trust branch.
