Certificates of Deposit

You will love these CD terms and flexible options

Whether you want a secure investment or additional money to supplement monthly income, You’re the One® we’ve designed these Certificate of Deposits (CDs) terms and flexible options for.

CDs are a well-established method of capturing a high rate of interest in return for investing your money for a specific period of time, ranging from one to 60 months. Consider the following CD options:

Flex CD

A flexible term, variable rate CD requires a $100 minimum deposit. The rate itself is determined by the time invested. The interest rate can change in your account at any time. You may add to the principal of the certificate at any time. Interest will be compounded on the calendar quarter. Terms available for 12, 18 and 24 months.

Certificate of Deposit Account Registry Service (CDARS)

Looking for a way to keep large deposits safe? With CDARS, you can receive up to $30 million in FDIC protection through MidWestOne Bank.

How CDARS works:

When you deposit a large amount at MidWestOne Bank, we place your funds into CDs issued by CDARS network members. This allows MidWestOne Bank to provide you with access to up to $50 million in FDIC insurance and the convenience of one-stop banking. Click here to view a short video on how CDARS works.

For more information or to enroll in CDARS, contact a customer service representative at your local MidWestOne Bank.

Interest Rates

All of our CD rates are updated weekly and are located on our Deposit Rates Page. You can also contact one of our locations for current rates and terms.