Bank · FDIC insured
Bank Iowa CD Rates
Bank Iowa’s best CD rate is 4.15% APY on a 17-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Bank Iowa’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Bank Iowa has the most branches. $10,000, best rate first.
This bank’s best
Bank Iowa
4.15%APY
- Term
- 17 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $593
Bank Iowa Certificate of Deposit
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
Bank Iowa CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo1.54%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo1.49%
- QualifiedQualified4.15%
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 Bank Iowa ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Bank Iowa Certificate of Deposit
Up to 4.15%APY · 11 terms
Terms range from 3 to 60 months with minimum opening deposit of $500. Early withdrawal may result in penalties and reduce earnings.
| Term | APY · $500 – $10,000 | APY · $5,000 and up | APY · $10,000 – $25,000 | APY · $20,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.01% | — | 1.01% | — | 1.01% | 1.01%1.01% $500–$10k1.01% from $25k | $25 |
| 6 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.54% | — | 1.54% | — | 1.54% | 1.54%1.54% $500–$10k1.54% from $25k | $77 |
| 9 months9-Month CD Special. Minimum balance to open is $5,000.00 and above. Interest rate and APY will not change for the term of the account | — | 4.01% | — | — | — | 4.01% | $299 |
| 12 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.70% | — | 1.70% | — | 1.70% | 1.70%1.70% $500–$10k1.70% from $25k | $170 |
| 17 months17-Month CD Special. Minimum balance to open is $5,000.00 and above. Interest rate and APY will not change for the term of the account | — | 4.15% | — | — | — | 4.15% | $593 |
| 18 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.83% | — | 1.83% | — | — | 1.83%1.83% $500–$10k | $276 |
| 18 monthsTier reflects $25,000 and above balance tier with min balance to obtain APY of $20,000. Minimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | — | — | — | 1.83% | — | —1.83% from $20k | — |
| 24 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.61% | — | 1.61% | — | 1.61% | 1.61%1.61% $500–$10k1.61% from $25k | $325 |
| 30 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.56% | — | 1.56% | — | 1.56% | 1.56%1.56% $500–$10k1.56% from $25k | $395 |
| 36 months36 Month Step Up. Minimum balance to open is $500.00. The interest rate and APY may be increased once by the accountholder during the term of the CD | 1.27% | — | 1.27% | — | 1.27% | 1.27%1.27% $500–$10k1.27% from $25k | $386 |
| 36 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.49% | — | 1.49% | — | 1.49% | 1.49%1.49% $500–$10k1.49% from $25k | $454 |
| 48 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.42% | — | 1.42% | — | 1.42% | 1.42%1.42% $500–$10k1.42% from $25k | $580 |
| 60 months60 Month Step Up. Minimum balance to open is $500.00. The interest rate and APY may be increased once by the accountholder during the term of the CD | 1.19% | — | 1.19% | — | 1.19% | 1.19%1.19% $500–$10k1.19% from $25k | $609 |
| 60 monthsMinimum balance to open is $500.00. Interest rate and APY will not change for the term of the account | 1.34% | — | 1.34% | — | 1.34% | 1.34%1.34% $500–$10k1.34% from $25k | $688 |
Sources (3)
- bankiowa.bank/investing/personal
- bankiowa.bank/investing/personal/cd
- bankiowa.bank/investing/view-rates
All captured Oct 5, 2026
Opening an account
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