Credit union · NCUA insured
Advantage Credit Union CD Rates
Top CarrotAdvantage Credit Union’s best CD rate is 2.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Advantage Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Credit Union
2.28%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $113
Term Share Account
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Advantage Credit Union CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.28%
- 9–15 months9–15 mo2.27%
- 16–30 months16–30 mo2.13%
- 31–60 months31–60 mo2.03%
- QualifiedQualified2.28%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Advantage Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Account
Up to 2.28%APY · 4 terms
Credit Union membership is required for any credit union accounts with a minimum balance of $25.00 in prime shares. Penalties for early withdrawal are equivalent of 90 days dividends on the amount withdrawn except 30 and 36 month term has 180 days interest penalty. Partial withdrawals are allowed provided balance does not fall below tier minimum.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.28% | 2.54% | 2.80% | 2.28%2.54% from $50k2.80% from $100k | $113 |
| 12 months | 2.27% | 2.53% | 2.79% | 2.27%2.53% from $50k2.79% from $100k | $227 |
| 24 months | 2.13% | 2.39% | 2.64% | 2.13%2.39% from $50k2.64% from $100k | $431 |
| 36 months | 2.03% | 2.28% | 2.54% | 2.03%2.28% from $50k2.54% from $100k | $621 |
Special-purpose accounts
Health Savings Account (HSA) CD
Up to 3.22%APY · 4 terms
Credit Union membership is required for any credit union accounts with a minimum balance of $25.00 in prime shares. Penalties for early withdrawal are equivalent of 90 days dividends on the amount withdrawn except 30 and 36 month term has 180 days interest penalty. Partial withdrawals are allowed provided balance does not fall below tier minimum.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.07% | 3.33% | 3.59% | 3.07%3.33% from $50k3.59% from $100k | $152 |
| 12 months | 3.22% | 3.47% | 3.73% | 3.22%3.47% from $50k3.73% from $100k | $322 |
| 24 months | 2.89% | 3.15% | 3.40% | 2.89%3.15% from $50k3.40% from $100k | $586 |
| 36 months | 2.89% | 3.14% | 3.40% | 2.89%3.14% from $50k3.40% from $100k | $892 |
Sources (1)
- acuiowa.org/hsa-ira-cd · captured Oct 5, 2026
Individual Retirement Account (IRA) CD
Up to 3.22%APY · 4 terms
Credit Union membership is required for any credit union accounts with a minimum balance of $25.00 in prime shares. IRA term share CD rates are the same as Term Share CD rates. Penalties for early withdrawal are equivalent of 90 days dividends on the amount withdrawn except 30 and 36 month term has 180 days interest penalty. Partial withdrawals are allowed provided balance does not fall below tier minimum.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.07% | 3.33% | 3.59% | 3.07%3.33% from $50k3.59% from $100k | $152 |
| 12 months | 3.22% | 3.47% | 3.73% | 3.22%3.47% from $50k3.73% from $100k | $322 |
| 24 months | 2.89% | 3.15% | 3.40% | 2.89%3.15% from $50k3.40% from $100k | $586 |
| 36 months | 2.89% | 3.14% | 3.40% | 2.89%3.14% from $50k3.40% from $100k | $892 |
Who can join Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in Jasper County or 18 other counties in Central Iowa (19 Iowa counties total).
Membership information collected October 4, 2026.