Credit union · NCUA insured
Des Moines Metro Credit Union CD Rates
Top CarrotDes Moines Metro Credit Union’s best CD rate is 4.01% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Des Moines Metro Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Des Moines Metro Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Des Moines Metro Credit Union
4.01%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $199
Share Certificates
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
Des Moines Metro Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.01%
- 9–15 months9–15 mo3.91%
- 16–30 months16–30 mo3.81%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.01%
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 Des Moines Metro 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.
Share Certificates
Up to 4.01%APY · 6 terms
Dividends are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Early withdrawal penalty applies.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPenalty: 3 month | — | 4.01% | — | 4.01% | $199 |
| 12 months1-year (add-on). Additions may be made any time during the certificate term at the original rate. Each addition must be at least $150. Total additions cannot exceed $10,000. Penalty: 3 month | 3.03% | — | — | 3.03% | $303 |
| 12 monthsPenalty: 3 month | — | 3.91% | — | 3.91% | $391 |
| 13 monthsJumbo 13-month. Penalty: 6 month | — | — | 3.96% | —3.96% from $50k | — |
| 18 monthsPenalty: 6 month | — | 3.81% | — | 3.81% | $577 |
| 30 monthsPenalty: 6 month | — | 3.65% | — | 3.65% | $938 |
| 60 monthsPenalty: 6 month | — | 3.03% | — | 3.03% | $1,610 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.01%APY · 6 terms
Offered for Traditional, Roth, and Educational IRAs. Individual retirement accounts are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Insured up to $250,000 by NCUA. Early withdrawal penalty applies.
| Term | APY · $250 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty: 3 month | 4.01% | — | 4.01% | $199 |
| 12 monthsPenalty: 3 month | 3.91% | — | 3.91% | $391 |
| 13 monthsJumbo 13-month. Penalty: 6 month | — | 3.96% | —3.96% from $50k | — |
| 18 monthsPenalty: 6 month | 3.81% | — | 3.81% | $577 |
| 30 monthsPenalty: 6 month | 3.65% | — | 3.65% | $938 |
| 60 monthsPenalty: 6 month | 3.03% | — | 3.03% | $1,610 |
Who can join Des Moines Metro Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Polk and surrounding counties is eligible to join Des Moines Metro Credit Union.
Cost to join
- The minimum deposit required to open and maintain a savings account is $25, though no opening balance may be required with direct deposit or payroll deduction.
Membership information collected October 4, 2026.