Bank · FDIC insured
Northwest Bank CD Rates
Northwest Bank’s best CD rate is 2.10% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Northwest Bank’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Northwest Bank has the most branches. $10,000, best rate first.
This bank’s best
Northwest Bank
4.50%APY
- Term
- 26 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $1,001
Certificate of Deposit (CD)
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 4.50%APY · 7 terms
Our Pick-A-Term CD allows choosing the maturity date. Earn an additional 0.10% on any new Pick-A-Term or Special Rate CD with a qualifying Northwest Bank checking account. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.11% | $105 |
| 11 months | 4.06% | $372 |
| 11 monthsWith qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open) | 4.16% | $381 |
| 24 months | 2.10% | $424 |
| 26 months | 4.40% | $978 |
| 26 monthsWith qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open) | 4.50% | $1,001 |
| 36 months | 2.10% | $643 |
| 48 months | 2.10% | $867 |
| 60 months | 2.10% | $1,095 |
Sources (1)
- nw.bank/products/personal/acco…s/certificate-of-deposit · captured Oct 16, 2026
24-Month Easy Saver
2.10%APY · 1 term
Additions of $50 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAdditions of $50 or more are allowed | 2.10% | $424 |
Sources (1)
- nw.bank/products/personal/acco…s/certificate-of-deposit · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 4.50%APY · 7 terms
Offers Traditional IRA, Roth IRA or Health Savings Plan wrappers. Add an additional 0.10% on any new Pick-A-Term or Special Rate IRA with a qualifying Northwest Bank checking account. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.11% | $105 |
| 11 months | 4.06% | $372 |
| 11 monthsWith qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open) | 4.16% | $381 |
| 24 months | 2.10% | $424 |
| 26 months | 4.40% | $978 |
| 26 monthsWith qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open) | 4.50% | $1,001 |
| 36 months | 2.10% | $643 |
| 48 months | 2.10% | $867 |
| 60 months | 2.10% | $1,095 |
Sources (1)
- nw.bank/products/personal/acco…s/certificate-of-deposit · captured Oct 16, 2026
24-Month Smart Saver
2.10%APY · 1 term
Available for ages under 23. Not available as an IRA Product. Additions of $25 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAdditions of $25 or more are allowed. Available for ages under 23. Not available as an IRA Product | 2.10% | $424 |
Sources (1)
- nw.bank/products/personal/acco…s/certificate-of-deposit · 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.