Credit union · NCUA insured
Serve Credit Union CD Rates
Top CarrotServe Credit Union’s best CD rate is 4.80% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Serve Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Serve Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Serve Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,522
Certificate 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
Serve Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo4.02%
- 16–30 months16–30 mo4.44%
- 31–60 months31–60 mo4.60%
- QualifiedQualified4.60%
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 Serve 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 Deposit
Up to 4.60%APY · 6 terms
Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.92% | 4.02% | 4.13% | 3.92%4.02% $50k–$100k4.13% from $100k | $194 |
| 12 months | 4.02% | 4.13% | 4.23% | 4.02%4.13% $50k–$100k4.23% from $100k | $402 |
| 24 months | 4.44% | 4.55% | 4.65% | 4.44%4.55% $50k–$100k4.65% from $100k | $908 |
| 36 months | 4.49% | 4.60% | 4.70% | 4.49%4.60% $50k–$100k4.70% from $100k | $1,408 |
| 48 months | 4.55% | 4.65% | 4.75% | 4.55%4.65% $50k–$100k4.75% from $100k | $1,948 |
| 60 months | 4.60% | 4.70% | 4.80% | 4.60%4.70% $50k–$100k4.80% from $100k | $2,522 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA & ESA Certificate of Deposit
Up to 4.60%APY · 5 terms
Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
| Term | APY · $1,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 4.02% | 4.13% | 4.23% | 4.02%4.13% $50k–$100k4.23% from $100k | $402 |
| 24 months | 4.44% | 4.55% | 4.65% | 4.44%4.55% $50k–$100k4.65% from $100k | $908 |
| 36 months | 4.49% | 4.60% | 4.70% | 4.49%4.60% $50k–$100k4.70% from $100k | $1,408 |
| 48 months | 4.55% | 4.65% | 4.75% | 4.55%4.65% $50k–$100k4.75% from $100k | $1,948 |
| 60 months | 4.60% | 4.70% | 4.80% | 4.60%4.70% $50k–$100k4.80% from $100k | $2,522 |
Youth Mini Certificate of Deposit
Up to 4.65%APY · 2 terms
Members ages 17 and under. Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor members ages 17 and under | 4.23% | — |
| 24 monthsFor members ages 17 and under | 4.65% | — |
Who can join Serve Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Serve Credit Union are eligible for membership.
- Employees, volunteers, retired personnel, and members of health/medical care facilities and organizations who live, work, or worship in Polk County or contiguous counties (Dallas, Boone, Story, Jasper, Marion, Warren, and Madison) are eligible for membership.
- Employees of small employee groups approved by the Superintendent are eligible for membership.
Military, government and schools
- Teachers, administrators, employees, board members, volunteers, retired personnel, and members of schools, recognized private homeschooling, and educational associations/entities within the State of Iowa are eligible for membership.
- Employees, volunteers, and retired personnel of any federal, state, county, or city governmental agencies within the State of Iowa are eligible for membership.
- Employees, volunteers, retired personnel, and members of public agencies, associations, institutions, departments, and government entities within the State of Iowa that enforce laws, rules, and ordinances or protect life and property are eligible for membership.
3 more ways to join
Family and household
- Persons in the same household as a current member, or persons related to a member or spouse by blood or marriage, and relatives of a deceased member are eligible for membership.
Other ways
- Members of Polk County Schools Employees Credit Union as of October 1, 2016 are eligible for membership.
- Members of USDA Credit Union as of May 1, 2015 are eligible for membership.
Cost to join
- Members must fund the membership at opening with a minimum deposit of $25 into the Basic Share / par share.
Membership information collected October 4, 2026.