Compare Bank & Credit Union Rates
Best CD rates in West 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 West Des Moines, IA
- 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 Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed.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
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 - 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 - Union State BankCertificate of DepositCD · 60 months · $500 min · 1.61%–3.63% by balance
Bank · 1 branch
3.22%APY$1,717 over 60 months on $10,000Requirements
Product: $500 minimum deposit to open all other certificate of deposit.
1.60% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 1.61% $2,500 and upGO Club members 3.22% $10,000 and upYour amount 3.22% $25,000 and up 3.32% $50,000 and up 3.63% 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 - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - West BankCertificate of DepositCD · 24 months · $1,000 min · 2.80%–3.10% by balance
Bank · 2 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 - First National BankStandard Term CDsCD · 49–60 months · $1,000 min · 2.52%–2.73% by balance
Bank · 3 branches
2.63%APY2.50% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Standard Term CDs Balance APY $1,000 and up 2.52% $10,000 and upYour amount 2.63% $25,000 and up 2.73% Rate checked
More details - 2.32%APY$469 over 24 months on $10,000
1.95% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Add it Up CD Balance APY $100 and up 1.96% $1,000 and up 2.22% $10,000 and upYour amount 2.32% Rate checked
More details - Financial Plus Credit UnionVariable Regular CertificatesCD · 60 months · $500 min
Credit union · 1 branch
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
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 West Des Moines, IA
412 CDs at 31 banks and credit unions · checked Oct 16–22
- Typical
- 2.13%
- Top 10% from
- 4.19%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.32%
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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