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Compare Bank & Credit Union Rates

Best 3-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 of 152 results in Iowa

  1. Nicolet National BankCertificate of DepositCD · 36 months · $2,500 min

    Bank · 36 branches

    4.50%APY$1,412 over 36 months on $10,000with conditions
  2. Farmers Trust & Savings BankCertificate of DepositCD · 36 months · $5,000 min

    Bank · 1 branch

    4.50%APY$1,412 over 36 months on $10,000
  3. Farmers & Merchants State Bank36 Month CDCD · 36 months · $1,000 min · 4.00%–4.50% by balance

    Bank · 5 branches

    4.50%APY$1,412 over 36 months on $10,000
  4. Top Carrot, Carrot Score 95
    Serve Credit UnionCertificate of DepositCD · 36 months · $1,000 min · 4.49%–4.70% by balance

    Credit union · 2 branches

    4.49%APY$1,408 over 36 months on $10,000
  5. Top Carrot, Carrot Score 92
    Luana Savings BankCertificate of Deposit (CD)CD · 36 months · $2,000 min · 4.45%–4.60% by balance

    Bank · 6 branches

    4.45%APY$1,395 over 36 months on $10,000
  6. Top Carrot, Carrot Score 89
    Iowa State BankCertificates of DepositCD · 36 months · $5,000 min

    Bank · 3 branches

    4.30%APY$1,346 over 36 months on $10,000intro rate
  7. First BankRaise-A-Rate CDCD · 36 months · $5,000 min

    Bank · 7 branches

    4.21%APY$1,317 over 36 months on $10,000
  8. Top Carrot, Carrot Score 94
    New Albin Savings BankCertificates of DepositCD · 36 months · $1,000 min · 4.16%–4.27% by balance

    Bank · 1 branch

    4.16%APY$1,301 over 36 months on $10,000
  9. Top Carrot, Carrot Score 89
    Iowa State BankCertificate of Deposit (CD)CD · 36 months · $1,000 min

    Bank · 3 branches

    4.15%APY$1,297 over 36 months on $10,000
  10. Washington State BankCD SpecialsCD · 36 months · $500 min · 4.15%–4.35% by balance

    Bank · 5 branches

    4.15%APY$1,297 over 36 months on $10,000
  11. Top Carrot, Carrot Score 88
    Greater Iowa Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · 9 branches

    4.10%APY$1,281 over 36 months on $10,000
  12. BankIowaCertificates of DepositCD · 36 months · $500 min

    Bank · 13 branches

    4.10%APY$1,281 over 36 months on $10,000intro rate
  13. Nicolet National BankCertificate of DepositCD · 36 months · $2,500 min

    Bank · 36 branches

    4.00%APY$1,249 over 36 months on $10,000with conditions
  14. Top Carrot, Carrot Score 89
    Empeople Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · 11 branches

    4.00%APY$1,249 over 36 months on $10,000
  15. Top Carrot, Carrot Score 88
    Journey Credit UnionCertificatesCD · 36 months · $2,500 min

    Credit union · 2 branches

    3.92%APY$1,223 over 36 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What 3-year CDs pay in Iowa

152 CDs at 127 banks and credit unions · checked Nov 6

Typical
2.46%
Top 10% from
3.90%
Banks, typical
2.26%
Credit unions, typical
2.89%

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Iowa

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Advantage Credit UnionCredit union · 1 branch
  2. Serve Credit UnionCredit union · 2 branches
  3. Collins Community Credit UnionCredit union · 9 branches
See all ranked institutions
Best 3-Year CD Rates of November 2026 | Carrot Rate