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Cedar Valley Bank & Trust

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Cedar Valley Bank & Trust Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cedar Valley Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Cedar Valley Bank & Trust rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Cedar Valley Bank & Trust, and you can see how they compare in the Cedar Valley Bank & Trust rate tables below. MonitorBankRates evaluates the financial stability of Cedar Valley Bank & Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.73%. Database rates last updated and verified on 08/30/2026.

Cedar Valley Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cedar Valley Bank & Trust? Share your experience about Cedar Valley Bank & Trust by leaving a review below, or read customer reviews before you decide to use Cedar Valley Bank & Trust.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.73%

Excellent Higher than avg

Cedar Valley Bank & Trust

321 Main St
La Porte City, IA 50651

https://www.cedarvalleybank.com

Current Rate Availability

We're not currently displaying rates for Cedar Valley Bank & Trust, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cedar Valley Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cedar Valley Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cedar Valley Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cedar Valley Bank & Trust

Bank Holding Company D&D BANCSHARES INC

Address 321 Main St, La Porte City, IA 50651 · Black Hawk

Website https://www.cedarvalleybank.com

FDIC Certificate # 14694

Established 07/06/1906

FDIC Insurance Date 08/22/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.73%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7037%

Return on Equity (ROE) 9.0600%

Non-Performing Loans (NPL) 1.02%

Total Assets $121,368,000

Total Deposits $109,322,000

Equity Capital $10,813,000

Net Income $1,307,000

Headquarters La Porte City

Total Branches and Offices 2

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Cedar Valley Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Cedar Valley Bank & Trust

How many branches does Cedar Valley Bank & Trust operate?

Cedar Valley Bank & Trust currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cedar Valley Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cedar Valley Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Cedar Valley Bank & Trust offer online and mobile banking?

Most modern institutions like Cedar Valley Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cedarvalleybank.com.