Competitive CD Rates in Central Iowa and Western Illinois

Fidelity Bank, a community bank serving Iowa and Illinois, is offering a 10-month certificate of deposit (CD) at 4.25% Annual Percentage Yield (APY) and a 20-month CD at 4.50% APY. Both need a $5,000 minimum deposit to open. Your rate is fixed for the full term, there are no setup or maintenance fees, and deposits are FDIC insured up to $250,000 per depositor, per ownership category. Open a CD at any of our branches: West Des Moines, Huxley and Cambridge, Iowa, or Savanna, Thomson and Mt. Carroll, Illinois. Rates are current as of October 9, 2026.

In-branch account openings require check or cash.  

Minimum of $5,000 required to open CD special offer. All accounts are subject to credit qualifications. Early withdrawal penalties may apply, fees may reduce earnings on an account. 

CD rates and terms are set at time of opening and fixed for the term of the account. APY based on deposit amount at time of account opening. 

This disclosure contains information about terms and interest rates for the interest bearing accounts we offer. In this disclosure, the abbreviation "APY" refers to Annual Percentage Yield. If this disclosure was shared in connection with an inquiry, the interest rate(s) and APY shown are accurate as of September 30, 2026.

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Additional CD Rates Available

Fidelity Bank offers additional fixed rate Certificates of Deposit options.