Compare Bank & Credit Union Rates
Best CD rates in Altoona, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Altoona, IA
- 4.40%APY$478 over 13 months on $10,000
Requirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Platinum Tier (Base + 0.50% IR)
Effective Oct 9, 2026
Rate checked
More details - Community Choice Credit UnionCertificate of DepositCD · 8 months · $5,000 min
Credit union · 1 branch
4.25%APY$281 over 8 months on $10,000intro rateRequirements
Product: Penalties may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Must deposit $5K from a different institution or have direct deposit with Community Choice.
Promotional rate · 4.18% interest rate · Effective Sep 24, 2024
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000
Requirements
Product: Terms range from 3 to 60 months with minimum opening deposit of $500. Early withdrawal may result in penalties and reduce earnings.
Offer: 17-Month CD Special. Minimum balance to open is $5,000.00 and above. Interest rate and APY will not change for the term of the account.
4.11% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.02%APY$334 over 10 months on $10,000intro rate
Requirements
Product: CD Special not eligible for bump-up rates; add-on is a minimum of $1,000 or more. Early withdrawal penalties may apply.
Promotional rate
Rate checked
More details - Vision Bank of Iowa.VisionBank Certificate of Deposit (CD) SpecialCD · 9 months · $5,000 min
Bank · 1 branch
3.80%APY$284 over 9 months on $10,000intro rateRequirements
Product: Special rate limited to $250,000 per individual. Interest rates are not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Special rate limited to $250,000 per individual. Not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Promotional rate · 3.78% interest rate · Balance cap $250,000 · Effective Sep 17, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.00%APY$824 over 48 months on $10,000
Requirements
Product: Interest rates are not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
2.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.20%APY$60 over 6.066666666666666 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Offer: Early withdrawal penalties may apply.
Effective Jan 13, 2025
Rate checked
More details - 0.70%APY$70 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 1 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.70%APY$140 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 2 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.60%APY$15 over 3.033333333333333 months on $10,000
Requirements
Product: Bump-up bonus rate for qualified accounts. Consumers will auto-renew at a regular 91-day CD; businesses are single maturity. Early termination penalties apply (3 months interest). No Financial Institutions.
Rate by balance
Rate by balance for 91-day CD Balance APY $2,000 – $24,999Your amount 0.60% $25,000 – $99,999 0.70% $100,000 and up 0.80% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details
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 CDs pay in Altoona, IA
198 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 1.41%
- Top 10% from
- 4.01%
- Banks, typical
- 1.50%
- Credit unions, typical
- 0.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Des Moines, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch