Compare Bank & Credit Union Rates
Best CD rates in Waterloo, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Waterloo, IA
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.31% interest rate
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$317 over 9 months on $10,000
Requirements
Product: 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: CD Special
4.18% interest rate · Effective Sep 25, 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 - 4.20%APY$384 over 11 months on $10,000
Requirements
Product: Early withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01.
Offer: Early withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01.
4.13% interest rate
Rate checked
More details - 4.20%APY$564 over 16 months on $10,000
Requirements
Product: Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01.
Offer: Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01.
4.15% interest rate
Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 2 branches
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - 4.10%APY$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.10%APY$1,281 over 36 months on $10,000intro rate
Requirements
Product: Flexible Terms: 3 to 60 months. Interest Payment Options: Compounding or Direct Deposit. One-Way UP Certificate of Deposit: Opportunity to increase interest rates with a one-time option, with additional deposits of $500 or more allowed at time of rate change.
Offer: 36 month CD Special One Way. Opportunity to increase interest rate with a one-time option. Additional deposits of $500 or more allowed at the time of rate change. Maturity date remains unchanged. New rate effective until initial term expires. Penalty for early withdrawal on 12-up-to-36-month CDs is 12 months loss of interest on the principal withdrawn.
Promotional rate · 4.06% interest rate · Effective Sep 21, 2026
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 - Dupaco Community Credit UnionRegular CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.40%APY$169 over 6 months on $10,000Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 2026
Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 4 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$183 over 7 months on $10,000with conditions
Requirements
Product: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Institutional/business funds not eligible.
Offer: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 3.15% APY. Institutional/business funds not eligible.
Qualified rate · 3.12% interest rate · Effective Feb 12, 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 Waterloo, IA
147 CDs at 13 banks and credit unions · checked Oct 6–22
- Typical
- 2.75%
- Top 10% from
- 4.20%
- Banks, typical
- 2.00%
- Credit unions, typical
- 2.95%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Waterloo, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 1 branch
- CFCCUCredit union · 3 branches
- Empeople Credit UnionCredit union · 6 branches