West Bank CD Rates — October 2026
As of October 23, 2026, West Bank's highest tracked CD rate is 3.10% APY on a 24-month CD ($250,000 minimum). That is 2.0 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.63% to 3.10% APY.
Tracking began .
With $10,000 and no relationship requirement: 2.80% on 24 months
West Bank CD rates
Personal CDs have balance tiers starting at $1,000, $25,000, $100,000 and $250,000. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are West Bank's best CD rates by term?
West Bank's best rate is 3.10% APY on 24 months, verified October 23, 2026.
- 3 mo2.93%
- 6 mo2.97%
- 12 mo3.00%
- 18 mo3.00%
- 24 mo3.10%
- 30 mo3.10%
- 36 mo3.10%
- 48 mo3.10%
- 60 mo3.10%
How much interest could a West Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$567.84 interest · $10,567.84 at maturity on $10,000.00.
2.80% APY · 24 months · Certificate of Deposit · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $32.472.63% APY · Certificate of Deposit · Standard | $64.932.63% APY · Certificate of Deposit · Standard | $168.442.73% APY · Certificate of Deposit · Standard | $336.882.73% APY · Certificate of Deposit · Standard |
| 6 months | $66.492.67% APY · Certificate of Deposit · Standard | $132.992.67% APY · Certificate of Deposit · Standard | $344.832.77% APY · Certificate of Deposit · Standard | $689.672.77% APY · Certificate of Deposit · Standard |
| 12 months | $135.002.70% APY · Certificate of Deposit · Standard | $270.002.70% APY · Certificate of Deposit · Standard | $700.002.80% APY · Certificate of Deposit · Standard | $1,400.002.80% APY · Certificate of Deposit · Standard |
| 18 months | $204.052.70% APY · Certificate of Deposit · Standard | $408.102.70% APY · Certificate of Deposit · Standard | $1,058.302.80% APY · Certificate of Deposit · Standard | $2,116.602.80% APY · Certificate of Deposit · Standard |
| 24 months | $283.922.80% APY · Certificate of Deposit · Standard | $567.842.80% APY · Certificate of Deposit · Standard | $1,471.022.90% APY · Certificate of Deposit · Standard | $2,942.052.90% APY · Certificate of Deposit · Standard |
| 30 months | $357.592.80% APY · Certificate of Deposit · Standard | $715.172.80% APY · Certificate of Deposit · Standard | $1,853.162.90% APY · Certificate of Deposit · Standard | $3,706.332.90% APY · Certificate of Deposit · Standard |
| 36 months | $431.872.80% APY · Certificate of Deposit · Standard | $863.742.80% APY · Certificate of Deposit · Standard | $2,238.682.90% APY · Certificate of Deposit · Standard | $4,477.372.90% APY · Certificate of Deposit · Standard |
| 48 months | $583.962.80% APY · Certificate of Deposit · Standard | $1,167.922.80% APY · Certificate of Deposit · Standard | $3,028.612.90% APY · Certificate of Deposit · Standard | $6,057.212.90% APY · Certificate of Deposit · Standard |
| 60 months | $740.312.80% APY · Certificate of Deposit · Standard | $1,480.632.80% APY · Certificate of Deposit · Standard | $3,841.442.90% APY · Certificate of Deposit · Standard | $7,682.872.90% APY · Certificate of Deposit · Standard |
How West Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 250 of 432 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| West Bank (this institution)Certificate of Deposit · Standard | 24 months | $250,000 | Branches in IA, MN | 3.10% | October 23, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.70% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking West Bank on October 23, 2026.
About West Bank
- Legal name
- West Bank
- Regulator ID
- FDIC 15614
- Headquarters
- West Des Moines, IA
- Available in
- IA, MN
- Total assets
- $4.0 billion
- Also known as
- Website
- www.westbankstrong.com
Source: rates read from https://www.westbankstrong.com/personal/banking/personal-account-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at West Bank?
Among the rates we track, 3.10% APY on a 24-month CD, as of October 23, 2026.
What is the minimum deposit for a West Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $250,000.
How does West Bank's best CD rate compare with Treasury yields?
3.10% APY is −1.60% versus the 24-month Treasury yield of 4.70% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 3.10% a good CD rate?
It is 2.0 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are West Bank CDs insured?
West Bank is an FDIC-insured bank (FDIC 15614). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check West Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from West Bank's website and may change at any time. Confirm terms, minimums and eligibility with West Bank before opening an account. This page is not financial advice.