Compare Bank & Credit Union Rates
Best CD rates in Iowa
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 211–225 results in Iowa
- Advantage Credit UnionTerm Share AccountCD · 6 months · $1,000 min · 2.28%–2.80% by balance
Credit union · 1 branch
2.28%APY$113 over 6 months on $10,000Requirements
Product: Credit Union membership is required for any credit union accounts with a minimum balance of $25.00 in prime shares. Penalties for early withdrawal are equivalent of 90 days dividends on the amount withdrawn except 30 and 36 month term has 180 days interest penalty. Partial withdrawals are allowed provided balance does not fall below tier minimum.
2.26% interest rate
Rate by balance
Rate by balance for Term Share Account Balance APY $1,000 and upYour amount 2.28% $50,000 and up 2.54% $100,000 and up 2.80% Rate checked
More details - First State Bank60 Month Certificate of DepositCD · 60 months · $1,000 min · 2.27%–2.37% by balance
Bank · 2 branches
2.27%APY$1,188 over 60 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance method used.
2.25% interest rate
Rate by balance
Rate by balance for 60 Month Certificate of Deposit Balance APY $1,000 – $25,000Your amount 2.27% $25,000 and up 2.37% Rate checked
More details - 2.25%APY$56 over 3 months on $10,000
Requirements
Product: Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
2.23% interest rate · Compounded quarterly · Effective Aug 1, 2026
Rate checked
More details - 2.15%APY$1,122 over 60 months on $10,000
Requirements
Product: No checking account required. Penalty for early withdrawal.
Offer: No checking account required. Penalty for early withdrawal.
Effective Oct 1, 2026
Rate checked
More details - Financial Plus Credit UnionVariable Regular CertificatesCD · 60 months · $500 min
Credit union · 4 branches
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 - Financial Plus Credit UnionVariable Education CertificateCD · 60 months · $500 min
Credit union · 4 branches
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 - 2.02%APY$942 over 54 months on $10,000
Requirements
Product: Quarterly compounding. Penalty will be imposed for early withdrawal.
Offer: Quarterly compounding. Early withdrawal penalty applies.
2.00% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD Term Balance APY $500 and upYour amount 2.02% $75,000 and up 2.17% Rate checked
More details - U.P Connection Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
2.00%APY$100 over 6 months on $10,000Requirements
Product: Minimum deposit $500.00 – dividends compounded monthly (except 3 month)
Offer: Dividends compounded monthly
1.98% interest rate · Compounded monthly · Effective Jan 15, 2025
Rate checked
More details - 2.00%APY$824 over 48 months on $10,000
Requirements
Product: Interest rates are not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
2.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - Peoples Savings BankCertificate of Deposit (CD)CD · 24 months · $1,000 min · 1.95%–2.05% by balance
Bank · 3 branches
1.95%APY$394 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply.
1.94% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $150,000Your amount 1.95% Over $150,000 2.05% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 39 branches
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 - First State Bank24 Month Certificate of DepositCD · 24 months · $1,000 min · 1.76%–1.86% by balance
Bank · 2 branches
1.76%APY$355 over 24 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance method used.
1.75% interest rate
Rate by balance
Rate by balance for 24 Month Certificate of Deposit Balance APY $1,000 – $25,000Your amount 1.76% $25,000 and up 1.86% Rate checked
More details - 1.75%APY$353 over 24 months on $10,000
Requirements
Product: With a minimum deposit of $500.00, Certificates of Deposit range from 6 months to 60 months. Fixed interest rate and APY paid semi-annually until maturity. Automatically renews at maturity with a 10-day grace period to withdraw without penalty. Interest calculated using daily balance method.
1.74% interest rate · Effective Nov 23, 2022
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 Iowa
1,492 CDs at 165 banks and credit unions · checked Oct 16–23
- Typical
- 2.94%
- Top 10% from
- 4.14%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.00%
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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