Compare Bank & Credit Union Rates
Best CD rates in Ames, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Ames, IA
- 4.50%APY$920 over 24 months on $10,000intro rate
Requirements
Product: Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
Offer: Minimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only.
Promotional rate · 4.50% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.50%APY$1,001 over 26 months on $10,000with conditions
Requirements
Product: 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.
Offer: With 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).
Qualified rate · 4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.45%APY$257 over 7 months on $10,000intro rate
Requirements
Product: Limited-time special. Requires minimum opening deposit of $2,000 in new money (funds not currently or within prior 30 days on deposit with Premier Credit Union). Dividends calculated using Daily Balance method, credited and compounded quarterly. Automatic renewals unless notified within 10-day grace period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
Offer: Requires a minimum opening deposit of $2,000 in new money. New money means funds not currently, or within the prior 30 days, on deposit with Premier Credit Union; transfers from existing Premier accounts do not qualify. Dividends calculated using Daily Balance method, credit and compound quarterly. Renewals are automatic unless notified within a 10-day grace period. Early withdrawal penalties may be imposed.
Promotional rate · 4.38% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - 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 - Greater Iowa Credit UnionSpecial Share CertificatesCD · 15 months · $1,000 min
Credit union · 3 branches
4.30%APY$540 over 15 months on $10,000Requirements
Product: Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Offer: Special Share Certificates - Special rates and special features. Early withdrawal penalty of 180 days of interest on certificates with a term greater than one year.
4.22% interest rate · Compounded monthly · Effective Oct 6, 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 - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months. No maintenance fees. Accounts automatically renew.
Offer: Special CD term
Promotional rate · 4.20% interest rate · Effective Sep 28, 2026
Rate checked
More details - Exchange State BankCertificates of DepositCD · 48 months · $1,000 min · 2.00%–4.25% by balance
Bank · 1 branch
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal. Interest rates are subject to change without notice.
1.99% interest rate · Effective Jul 16, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 2.00% $10,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: A fixed-rate investment with terms from 7 months to 3 years. Minimum deposit of $2,000 is required. Dividends are compounded quarterly. Penalty for early withdrawal. Renewals are automatic unless notified within a 10-day Grace Period. $5.00 minimum deposit to open a savings account required.
Offer: Dividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed.
4.14% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Term lengths ranging from 30 days to 4 years. Automatic renewal offered. Early withdrawal penalties may apply. Non-institutional funds only.
Offer: Early withdrawal penalties may apply. Non-institutional funds only.
Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Dividends calculated using Daily Balance method and compound/credit quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
Offer: Dividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed.
Promotional rate · 3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - Members1st Community Credit UnionCertificates of Deposit (CDs)CD · 9 months · $500 min
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Some restrictions may apply.
Offer: 9 months special – limited time! Penalty for early withdrawal. Some restrictions may apply.
Promotional rate · 3.93% interest rate
Rate checked
More details - Vision Bank of Iowa.VisionBank Certificate of Deposit (CD) SpecialCD · 9 months · $5,000 min
Bank · 3 branches
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 - First National BankSpecial Term CDsCD · 18 months · $10,000 min · 3.65%–3.91% by balance
Bank · 3 branches
3.65%APY$552 over 18 months on $10,000intro ratePromotional rate · 3.60% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Special Term CDs Balance APY $10,000 and upYour amount 3.65% $25,000 and up 3.91% 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 Ames, IA
284 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 1.98%
- Top 10% from
- 4.09%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.09%
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Find your bank or credit union to see all its rates and how they compare near you.
Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch