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Rates
All Interest Rates and Annual Percentage Yields (APY)
are accurate as of August 10, 2026.
Rates are subject to change without notice.
CD Rates
TERMS | Minimum Deposit | Interest Rate1 | APY2 |
182 Day | $1,000 | 3.60 | 3.63 |
1 Year (12 months) | $1,000 | 3.55 | 3.60 |
2 Year (24 months) | $1,000 | 3.00 | 3.03 |
3 Year (36 months) | $1,000 | 3.00 | 3.03 |
4 Year (48 months) | $1,000 | 3.00 | 3.03 |
IRA3 | No Minimum Required | 3.00 | 3.03 |
1 We use the daily balance method to calculate the interest on your account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). A.P.Y.** assumes interest to maturity. Early withdrawal is subject to penalty. A 10-day grace period after maturity is allowed for withdrawal of funds without penalty, but interest ceases to accrue at maturity.
2 For CD's with maturities of 1 Year or Greater - Annual Percentage Yield is based on a quarterly compounding and assumes interest will remain on deposit until maturity. For CD's less than 1 year maturity - Annual Percentage Yield is based on interest that will compound at maturity and assumes interest will remain on deposit.
3 The West Iowa Bank I.R.A.'s are 18-month certificates. The rate is variable for the term of the certificate & can change at any time at the bank's discretion.
Regular NOW Checking Account Rates
Daily Balance | Interest Rate | APY** |
$1,000 | 0.35 | 0.35 |
Personal & Business Super Saver Account Rates
Daily Balance | Interest Rate | APY** |
$9,999.99 & Below* | 0.50 | 0.50 |
$10,000 - $49,999.99 | 0.75 | 0.75 |
$50,000 - $99,999.99 | 1.00 | 1.00 |
$100,000 - $249,999.99 | 1.25 | 1.26 |
$250,000 & Above | 1.50 | 1.51 |
** APY = Annual Percentage Yields. Fees may reduce earnings. Rates may change after account is opened.
Questions?
If you have any questions about any of the services we offer, please call us at 877-474-5511 or 712-933-5511, or stop in to see us during normal business hours.
