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 46–57 results in West Des Moines, IA
- Financial Plus Credit UnionVariable Education CertificateCD · 60 months · $500 min
Credit union · 1 branch
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 - 2.10%APY$424 over 24 months on $10,000
Requirements
Product: Additions of $50 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: Additions of $50 or more are allowed.
2.10% interest rate · Effective Oct 12, 2026
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 - 1.51%APY$778 over 60 months on $10,000
Requirements
Product: All CD rates are subject to change weekly and are not guaranteed until opened. Early withdrawal penalties and other terms and conditions may apply. APY is based on a 365-day period with daily compounding.
1.50% interest rate
Rate checked
More details - 1.25%APY$641 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Fixed rate CD terms. Subject to credit qualifications. Early withdrawal penalties may apply.
Offer: Visit branch to open.
1.25% interest rate · Effective Sep 1, 2026
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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 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 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