Bank · FDIC insured
BankIowa CD Rates
BankIowa’s best CD rate is 4.10% APY on a 3-year CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How BankIowa’s CD rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where BankIowa has the most branches. $10,000, best rate first.
This bank’s best
BankIowa
4.10%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,281
Certificates of Deposit
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
BankIowa CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 BankIowa 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.
Certificates of Deposit
Up to 4.10%APY · 5 terms
Flexible Terms: 3 to 60 months. Interest Payment Options: Compounding or Direct Deposit. One-Way UP Certificate of Deposit: Opportunity to increase interest rates with a one-time option, with additional deposits of $500 or more allowed at time of rate change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCD special available for a limited time. Early withdrawal fees may apply | 3.75% | $92 |
| 5 monthsCD special available for a limited time. Early withdrawal fees may apply | 3.85% | $159 |
| 11 monthsCD special available for a limited time. Early withdrawal fees may apply | 4.00% | $366 |
| 24 monthsCD special available for a limited time. Penalty for early withdrawal on 12-up-to-36-month certificates of deposit is 12 months loss of interest on principal withdrawn | 4.05% | $826 |
| 36 months36 month CD Special One Way. Opportunity to increase interest rate with a one-time option. Additional deposits of $500 or more allowed at the time of rate change. Maturity date remains unchanged. New rate effective until initial term expires. Penalty for early withdrawal on 12-up-to-36-month CDs is 12 months loss of interest on the principal withdrawn | 4.10% | $1,281 |
Sources (3)
All captured Sep 24, 2026
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