Compare Bank & Credit Union Rates
Best CD rates in Mason City, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Mason City, IA
- 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Dividends are calculated daily and paid monthly. Early withdrawals may result in penalties.
Offer: Requires a minimum opening deposit of $5,000. No maximum deposit applies.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Clear Lake Bank and Trust CompanyCDs (Certificates of Deposit)CD · 9 months · $5,000 min
Bank · 2 branches
4.27%APY$319 over 9 months on $10,000Requirements
Product: Early withdrawal penalties apply. Limited time only. Fees may reduce earnings.
Offer: CD SPECIAL #1. Limited time only. Early withdrawal penalties apply. Fees may reduce earnings.
Effective Sep 18, 2026
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
Rate checked
More details - 3.74%APY$185 over 6 months on $10,000
Requirements
Product: Dividends are paid Quarterly on all CDs. Minimum deposit of $500.
Offer: Dividends paid quarterly.
3.69% interest rate · Effective Sep 5, 2025
Rate checked
More details - First Citizens BankCD (Certificate of Deposit)CD · 36 months · $1,000 min · 3.24%–3.55% by balance
Bank · 2 branches
3.34%APY$1,036 over 36 months on $10,000Requirements
Product: Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
Offer: Interest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest.
3.20% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) Balance APY $1,000 – $5,000 3.24% $5,000 – $25,000Your amount 3.34% $25,000 – $50,000 3.44% $50,000 and up 3.55% Rate checked
More details - North Iowa Community Credit UnionShare Certificates (CD’s)CD · 6 months · $100 min
Credit union · 2 branches
3.25%APY$161 over 6 months on $10,000Requirements
Product: All certificates require a minimum of $100 to start unless otherwise noted. Early withdrawal may result in penalties. Withdrawals may affect APY.
Offer: Early withdrawal may result in penalties.
3.20% interest rate · Effective Oct 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 - Gas & Electric Employees Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.00%APY$300 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit for regular term shares; $25,000 minimum deposit for special rate term shares. 3–11 month products paid monthly, others paid quarterly. Rates subject to change.
Offer: $1,000 minimum deposit; quarterly payment schedule.
2.96% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - 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 Mason City, IA
77 CDs at 8 banks and credit unions · checked Oct 6–22
- Typical
- 2.95%
- Top 10% from
- 3.90%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.13%
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Find your bank or credit union to see all its rates and how they compare near you.
Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch