Credit union · NCUA insured
Citizens Community Credit Union CD Rates
Citizens Community Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Citizens Community Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Dodge, IA, where Citizens Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Citizens Community Credit Union
4.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $366
Certificate of Deposits (CDs)
Top rate
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Citizens Community Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.00%
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 Citizens Community 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.
Certificate of Deposits (CDs)
Up to 4.00%APY · 9 terms
Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms 13 months or more).
| Term | APY · Any balance | APY · $1,000 and up | APY · $2,500 and up | APY · $10,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | — | 0.50% | 0.50% | 0.50% | 0.50% | 0.50%0.50% from $2.5k0.50% from $10k0.50% from $25k | $12 |
| 6 months | — | 0.75% | 0.75% | 0.75% | 0.75% | 0.75%0.75% from $2.5k0.75% from $10k0.75% from $25k | $37 |
| 11 monthsSpecial Certificate Rate | 4.00% | — | — | — | — | 4.00% | $366 |
| 12 months | — | 1.00% | 1.00% | 1.00% | 1.00% | 1.00%1.00% from $2.5k1.00% from $10k1.00% from $25k | $100 |
| 18 months | — | 1.10% | 1.10% | 1.10% | 1.10% | 1.10%1.10% from $2.5k1.10% from $10k1.10% from $25k | $165 |
| 24 months | — | 1.25% | 1.25% | 1.25% | 1.25% | 1.25%1.25% from $2.5k1.25% from $10k1.25% from $25k | $252 |
| 36 months | — | 1.50% | 1.50% | 1.50% | 1.50% | 1.50%1.50% from $2.5k1.50% from $10k1.50% from $25k | $457 |
| 48 months | — | 1.75% | 1.75% | 1.75% | 1.75% | 1.75%1.75% from $2.5k1.75% from $10k1.75% from $25k | $719 |
| 60 months | — | 2.00% | 2.00% | 2.00% | 2.00% | 2.00%2.00% from $2.5k2.00% from $10k2.00% from $25k | $1,041 |
Sources (1)
- citizenscu.com/cds-iras · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 2.00%APY · 6 terms
Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
| 18 months | 1.10% | $165 |
| 24 months | 1.25% | $252 |
| 36 months | 1.50% | $457 |
| 48 months | 1.75% | $719 |
| 60 months | 2.00% | $1,041 |
Sources (1)
- citizenscu.com/cds-iras · captured Oct 5, 2026
Who can join Citizens Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 33 specified Iowa counties are eligible for membership.
Employers and groups
- Members of 499 Iowa Cooperatives and members of the Iowa Independent Automotive Dealers Association are eligible for membership.
Family and household
- Individuals who have a close relative who lives or works in one of the 33 specified Iowa counties are eligible for membership.
Cost to join
- Membership requires a $25 membership share deposit in a savings account.
Membership information collected October 4, 2026.