Iowa State Bank and Trust Company of Fairfield, Iowa savings and CD rates
Iowa State Bank and Trust Company of Fairfield, Iowa advertises up to 3.71% APY on its High Yield Savings account. The 3.71% needs a balance of at least $500,000. Below that, the account advertises 2.02%.
On a $10,000 balance the account earns 2.02% overall, about $202 in a year, which is 1.65 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #112 of 2789 tracked savings rates by advertised APY. For a $10,000 balance it would rank #290.
Estimate your earnings·What Iowa State Bank and Trust Company of Fairfield, Iowa actually pays
Iowa State Bank and Trust Company of Fairfield, Iowa at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 3.71% · High Yield Savings · needs at least $500,000 |
| Minimum to open | $2,500 · High Yield Savings |
| Against the national average | 3.34 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.04% · 18 months · 18 Months CD |
| Minimum to open | $1,000 · 18 months CD |
| FDIC certificate | 14413 · Fairfield, IA |
|---|---|
| Website | www.myiowastatebank.com |
| Branches | 3 branches in IA |
| Availability | Available in IA |
Iowa State Bank and Trust Company of Fairfield, Iowa savings and CD rates
Personal
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Iowa State Bank and Trust Company of Fairfield, Iowa CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.75% | $1,000 | 7 - 31 Days CD |
| 6 months | 3.53% | $1,000 | 182 Days CD |
| 12 months | 3.84% | $1,000 | 12 Months CD |
| 18 months | 4.04% | $1,000 | 18 Months CD |
| 24 months | 4.04% | $1,000 | 24 Months CD |
| 36 months | 4.04% | $1,000 | 36 Months CD |
| 60 months | 4.04% | $1,000 | 60 Months CD |
| IRA CDs | |||
| 18 months | 2.02% | $100 | 18 Month IRA |
Interactive Tool
Calculate Savings for Iowa State Bank and Trust Company of Fairfield, Iowa
All calculations are based on APY.
Tiered rates: 2.02% to 3.71% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$929.80(5.7%)
- Total Contributions$13,000
- Initial Deposit$2,500
Projected Balance
$16,429.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Iowa State Bank and Trust Company of Fairfield, Iowa pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 3.71% needs a balance of at least $500,000. Below that, the account advertises 2.02%.
In Q2 2026, Iowa ST B&T Company Fairfld Ia paid a higher average rate on savings and money market deposits than 96% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Iowa ST B&T Company Fairfld Ia, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| High Yield Savings | 3.71% | $2,500 | $2,500 | None | not stated | not stated | Tiered | |
| Fine print: A balance below $2,500 earns the bank's statement savings rate instead of the tiered rate, and incurs the $14 monthly service fee. Six debits a month are free; each further debit costs $5.00. | ||||||||
| Imagine Kids Savings | 2.02% | $5 | $0 | $5,000 | not stated | not stated | Tiered | |
| Fine print: The stated APY applies to balances up to $5,000. The balance above that earns the bank's statement savings rate. | ||||||||
| Christmas Club | 2.00% | not stated | $0 | $25,000 | not stated | not stated | One rate | |
| Fine print: Balances above $25,000 earn no interest. Funds are released by check on the last day of October. Closing early costs $10 or three months of interest, whichever is greater. | ||||||||
| Inspire Saver | 1.00% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: The opening deposit is $100, or $5 when the account is opened with an Inspire Checking account. Electronic statements are free and a paper statement costs $3.00 a month. | ||||||||
| Health Savings | 0.50% | $100 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 7 - 31 Days CD | not stated | 0.75% | $1,000 | not stated | not stated |
| Fine print: The term is chosen at opening, anywhere from 7 to 31 days. | |||||
| 182 Days CD | 6 months | 3.53% | $1,000 | not stated | not stated |
| Fine print: The term is 182 days rather than a whole number of months. | |||||
| 12 Months CD | 12 months | 3.84% | $1,000 | not stated | not stated |
| 18 Months CD | 18 months | 4.04% | $1,000 | not stated | not stated |
| 24 Months CD | 24 months | 4.04% | $1,000 | not stated | not stated |
| 36 Months CD | 36 months | 4.04% | $1,000 | not stated | not stated |
| 60 Months CD | 60 months | 4.04% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 18 Month IRA | 18 months | 2.02% | $100 | not stated | not stated |
Opening and using the account
| Availability | Available in IA |
|---|---|
| Footprint | 3 branches in IA |
| Eligibility | not stated |
How Iowa State Bank and Trust Company of Fairfield, Iowa behaves over time
- 12-month high
- 3.71%
- 12-month low
- 3.56%
- Advertised now
- 3.71%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised High Yield Savings rate, observed through Oct 9, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 29, 2026182 Days CDRaise:3.28%to3.53%
- Obs. Sep 29, 202612 Months CDRaise:3.58%to3.84%
- Obs. Sep 29, 202618 Months CDRaise:3.58%to4.04%
- Obs. Sep 29, 202624 Months CDRaise:3.63%to4.04%
- Obs. Sep 29, 202636 Months CDRaise:3.63%to4.04%
- High Yield Savings
- Up 0.15 percentage points from 7 days ago.
- 18 months CD
- Up 0.46 percentage points from 30 days ago.
$10,000 at the 3.71% APY Iowa State Bank and Trust Company of Fairfield, Iowa advertises on High Yield Savings grows to $10,371 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,030 does today. See how the federal funds rate shapes savings rates.
- High Yield Savings APY
- Banksparency savings index
Iowa State Bank and Trust Company of Fairfield, Iowa CD rates over time
Who is Iowa State Bank and Trust Company of Fairfield, Iowa?
| Headquarters | Fairfield, IA |
|---|---|
| Founded | 1934 |
| Scale | $352M assets · $301M deposits, $256M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 14413 |
| Charter state | Iowa · one of 226 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,220th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 92% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Iowa State Bank and Trust Company of Fairfield, Iowa pays on deposits above.
Common questions about Iowa State Bank and Trust Company of Fairfield, Iowa
Is Iowa State Bank and Trust Company of Fairfield, Iowa FDIC insured?
Yes. Iowa State Bank and Trust Company of Fairfield, Iowa is FDIC insured under certificate 14413, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Iowa State Bank and Trust Company of Fairfield, Iowa?
Iowa State Bank and Trust Company of Fairfield, Iowa requires a minimum deposit of $2,500 to open its High Yield Savings account, as observed on Oct 9, 2026. Check the bank's current terms before you open an account.
Does the 3.71% apply to my whole balance?
The 3.71% needs a balance of at least $500,000. Below that, the account advertises 2.02%. Rates are as observed on Oct 9, 2026.
Does Iowa State Bank and Trust Company of Fairfield, Iowa have branches?
Yes. Iowa State Bank and Trust Company of Fairfield, Iowa operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Iowa State Bank and Trust Company of Fairfield, Iowa against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Iowa State Bank and Trust Company of Fairfield, Iowa | 3.71% | 3.19% | $2,500 | 3 branches in IA |
| SSB Bank | 3.71% | 1.82% | $0 | 3 branches in PA |
| Winnsboro State Bank & Trust Company | 3.71% | 0.90% | $2,500 | 5 branches in LA |
| Iowa Trust & Savings Bank | 3.70% | 2.15% | $100 | 4 branches in IA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Iowa State Bank and Trust Company of Fairfield, Iowa's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Iowa, nearest to Iowa State Bank and Trust Company of Fairfield, Iowa in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: banks in Iowa.