Compare Bank & Credit Union Rates
Best CD rates in Des Moines, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Des Moines, IA
- First Class Community Credit UnionShare CertificateCD · 12 months · $2,000 min
Credit union · 1 branch
3.28%APY$328 over 1 year on $10,000Requirements
Product: Certificates do not automatically renew. At maturity, certificate balance is transferred to savings account. Early withdrawal penalties may apply. Fees may reduce earnings.
3.24% interest rate · Effective Jan 1, 2026
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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - West BankCertificate of DepositCD · 24 months · $1,000 min · 2.80%–3.10% by balance
Bank · 3 branches
2.80%APY$568 over 24 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees and service charges may reduce earnings.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 2.80% $25,000 – $99,999 2.90% $100,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - 2.75%APY$558 over 24 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawals. Flexible terms from 3 months to 5 years. FDIC-insured.
2.71% interest rate
Rate checked
More details - Financial Plus Credit UnionVariable Regular CertificatesCD · 60 months · $500 min
Credit union · 3 branches
2.13%APY$1,111 over 60 months on $10,000Requirements
Product: Variable rate certificate. Early withdrawal penalty may apply.
Offer: Minimum $500 balance required.
2.10% interest rate
Rate checked
More details - Financial Plus Credit UnionVariable Education CertificateCD · 60 months · $500 min
Credit union · 3 branches
2.13%APY$1,111 over 60 months on $10,000Requirements
Product: Variable rate education certificate. Early withdrawal penalty may apply.
Offer: Minimum $500 balance required.
2.10% interest rate
Rate checked
More details - 2.13%APY$1,111 over 60 months on $10,000
Requirements
Product: APY is accurate as of the last dividend declaration date. Dividends are paid on 3 and 6-month certificates at maturity and 12-month and longer dividends are posted quarterly. Early withdrawal penalties may apply.
Offer: Minimum $500 balance required. Dividends posted quarterly.
2.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 4 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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
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 Des Moines, IA
363 CDs at 30 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.08%
- Banks, typical
- 1.68%
- Credit unions, typical
- 3.29%
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