Bank · FDIC insured
Midwest Heritage CD Rates
Midwest Heritage’s best CD rate is 4.50% APY on a 2-year CD. Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Midwest Heritage’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Midwest Heritage has the most branches. $10,000, best rate first.
This bank’s best
Midwest Heritage
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $920
Certificates 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
Midwest Heritage CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.19%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.50%
- QualifiedQualified4.50%
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 Midwest Heritage 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 4.50%APY · 4 terms
Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only | 4.19% | $207 |
| 12 monthsMinimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only | 4.30% | $430 |
| 18 monthsMinimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only | 4.42% | $670 |
| 24 monthsMinimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only | 4.50% | $920 |
Sources (2)
- midwestheritage.com/personal/b…/certificates-of-deposit
- midwestheritage.com/personal/b…g/consumer-deposit-rates
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.