Maximize Your Savings with a Certificate of Deposit
Looking for a secure and high-interest savings account? At State Bank of Toledo, our Certificates of Deposit (CDs) offer a smart and reliable way to grow your money. As your trusted local hometown bank, we’ve been serving Tama County communities since 1927, helping our customers achieve financial success with competitive interest rates and flexible deposit terms.
Why Choose a Certificate of Deposit (CD)?

A Certificate of Deposit is a low-risk, high-yield savings account that allows you to earn higher interest rates than a traditional savings account. Whether you are saving for a large purchase, future investments, or simply want to earn more on your deposits, a CD is a great choice for secure and predictable growth.
State Bank of Toledo CDs Have Some Great Benefits, Including:
- Competitive Interest Rates: Maximize your savings with some of the best CD rates in the Toledo area.
- Flexible Terms: Choose from short-term CD and long-term CD options to fit your financial goals.
- Local Expertise and Care: Our team lives in our community and is invested in your success.
- Secure Investment: Your funds are FDIC-insured up to $250,000, ensuring safety and peace of mind.
- Exclusive Bonus Interest Opportunities: Earn an interest rate bonus when you have a Hometown Green, Hometown Advantage, Hometown Select, or Hometown Prestige checking account with us!
CD Terms & Interest Compounding
We offer a variety of CD term lengths, allowing you to choose the best option for your savings goals:
- Short-Term CDs: 91 days, 182 days and 9 months (compounded at maturity)
- Longer-Term CDs: 12 months, 15 months, 18 months, 22 months, 30 months, 36 months, and 48 months (compounded semi-annually)
- Minimum Deposit: Start earning with as little as $1,000
Why Bank with State Bank of Toledo?
Unlike national banks, the State Bank of Toledo is a locally founded and operated financial institution. Our team understands the unique needs of our community and provides personalized banking solutions to help you succeed. When you bank with us, you are supporting an Iowa bank with deep roots that are invested in the success of our residents and businesses.
Open a CD Account & Start Growing Your Money!
Take advantage of high-interest savings opportunities with a State Bank of Toledo CD. Whether you're a first-time saver or an experienced investor, our friendly team is here to guide you every step of the way. Call us today or visit one of our Toledo bank locations to learn more and open your account!