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 16–30 results in Des Moines, IA
- 4.01%APY$199 over 6 months on $10,000
Requirements
Product: Dividends are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Early withdrawal penalty applies.
Offer: Penalty: 3 month.
3.95% interest rate · Compounded quarterly · Effective Oct 28, 2025
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 - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Minimum balance to open is $500.00. Minimum balance to obtain APY is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings. Interest rates and APYs are subject to change.
Offer: 9 Month Flex CD
3.95% interest rate · Effective Oct 30, 2025
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.
Offer: Public funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies.
3.95% interest rate · Effective Jun 24, 2026
Rate checked
More details - 3.95%APY$496 over 15 months on $10,000
Requirements
Product: CDs are FDIC insured. Available terms from 3 months to 5 years. Interest is compounded annually or at maturity and can be deposited into an account monthly or quarterly. Early withdrawal will result in a penalty.
Offer: Special rate CD. $5,000 minimum balance required to open special rate CDs. Early withdrawal penalty may apply.
Compounded annually · Effective Sep 29, 2026
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More details - 3.87%APY$420 over 13 months on $10,000
3.80% interest rate · Effective Sep 14, 2026
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More details - Earlham BankCertificates of DepositCD · 12 months · $1,000 min · 3.85%–4.00% by balance
Bank · 2 branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 12 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.80% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.85% $15,000 and up 4.00% Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
3.70% interest rate · Effective Sep 14, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.60%APY$148 over 5 months on $10,000
Requirements
Product: We reserve the right to decline or limit deposits at our discretion. Early withdrawal penalties may apply.
Offer: Minimum to obtain APY is $0.01.
Effective Nov 3, 2025
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000
Requirements
Product: Must meet membership eligibility requirements. No minimum to open and no minimum balance required to earn APY. Additional deposits permitted throughout the term of any dollar amount. Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed. Not available as an IRA CD.
Offer: 13 Month Liquid CD is not available as an IRA CD. Additional deposits permitted. Early withdrawal of entire balance permitted without penalty, closing the account; partial withdrawals not permitted.
Effective Sep 18, 2026
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More details - Capitol View Credit UnionCertificate of DepositCD · 12 months · $2,500 min · 2.70%–3.45% by balance
Credit union · 1 branch
3.45%APY$345 over 1 year on $10,000Requirements
Product: Certificates are subject to early withdrawal penalties of 90 days interest for terms 12 months or less and 180 days interest for terms greater than 12 months. Dividends are paid quarterly.
2.67% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,500 and up 2.70% $10,000 and upYour amount 3.45% Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 2 branches
3.35%APY$335 over 1 year on $10,000Requirements
Product: Allows additional deposits during the term. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
Offer: Tier 1
Effective Sep 25, 2026
Rate by balance
Rate by balance for Add-On CD Balance APY Up to $49 0.10% Up to $499Tier 2 3.00% $500 and upYour amountTier 3 3.35% Rate checked
More details - 3.35%APY$1,791 over 60 months on $10,000
Requirements
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 and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
3.30% interest rate · Compounded monthly · Effective Oct 6, 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
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%
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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