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 Central State Bank State Center, IA Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 3, 2026
Central State Bank State Center, IA's 15-Month Special Certificates of Deposit rates are at 3.89%, 9-Month Special Certificates of Deposit rates are at 3.79%, 12-Month Certificates of Deposit rates are at 3.58%, 6-Month Certificates of Deposit rates are at 3.48%, 18-Month Certificates of Deposit rates are at 3.43%. Central State Bank State Center, IA's savings rates are at 0.15%. Central State Bank State Center, IA's money market rates are at 1.40%. MonitorBankRates evaluates the financial stability of Central State Bank State Center, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.35%. Rates were last updated on 04/03/2026. Central State Bank State Center, IA 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 Central State Bank State Center, IA? Share your experience about Central State Bank State Center, IA by leaving a review below, or read customer reviews before you decide to use Central State Bank State Center, IA. Central State Bank State Center, IA
109 Main St W
https://www.centralstatebankia.com State Center, IA 50247 
Central State Bank State Center, IA CD Rates
Central State Bank State Center, IA Savings Rates
Central State Bank State Center, IA Money Market Rates
Central State Bank State Center, IA Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Central State Bank State Center, IA 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 Central State Bank State Center, IA 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 Central State Bank State Center, IA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Central State Bank State Center, IA
Bank Holding Company
STATE CENTER FINANCIAL INC
Address
109 Main St W,
State Center, IA 50247 · Marshall
FDIC Certificate #
10903
Established
01/01/1902
FDIC Insurance Date
01/01/1934
Domestic Offices
3
Total Branches
3
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.35%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.6492%
Return on Equity (ROE)
7.0600%
Non-Performing Loans (NPL)
0.03%
Total Assets
$568,581,000
Total Deposits
$477,577,000
Equity Capital
$54,137,000
Net Income
$3,761,000
Headquarters
State Center
Total Offices
3
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Central State Bank State Center, IAIs Central State Bank State Center, IA a safe place to deposit money?Yes, Central State Bank State Center, IA is considered a safe financial institution. With a Texas Ratio of 0.35330761005997%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Central State Bank State Center, IA operate?Central State Bank State Center, IA currently maintains approximately 3 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, Central State Bank State Center, IA 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, Central State Bank State Center, IA provides members with tools to manage their accounts and build a solid financial history. Does Central State Bank State Center, IA offer online and mobile banking?Most modern institutions like Central State Bank State Center, IA 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.centralstatebankia.com. Current Central State Bank State Center, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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