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 106–120 results in Iowa
- 4.01%APY$199 over 6 months on $10,000
Requirements
Product: Dividends are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Early withdrawal penalty applies.
Offer: Penalty: 3 month.
3.95% interest rate · Compounded quarterly · Effective Oct 28, 2025
Rate checked
More details - First State Bank13 Month Certificate of DepositCD · 13 months · $1,000 min · 4.01%–4.11% by balance
Bank · 1 branch
4.01%APY$435 over 13 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
3.95% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 13 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.01% $50,000 and up 4.11% Rate checked
More details - First State Bank25 Month Certificate of DepositCD · 25 months · $1,000 min · 4.01%–4.11% by balance
Bank · 1 branch
4.01%APY$854 over 25 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
3.95% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 25 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.01% $50,000 and up 4.11% Rate checked
More details - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Term lengths ranging from 30 days to 4 years. Automatic renewal offered. Early withdrawal penalties may apply. Non-institutional funds only.
Offer: Early withdrawal penalties may apply. Non-institutional funds only.
Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Dividends calculated using Daily Balance method and compound/credit quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
Offer: Dividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed.
Promotional rate · 3.94% interest rate · Effective Oct 9, 2026
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More details - 4.00%APY
3.94% interest rate · Effective Sep 29, 2026
Rate checked
More details - The Family Credit UnionShare Certificates (Certificates of Deposit)CD · 7 months · $500 min
Credit union · 7 branches
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Available for a minimum deposit of $500 with terms from 6 to 60 months. Certificates automatically renew. May be used as security to get a better rate on your next loan. A penalty will be imposed for early withdrawal.
Offer: 7 Month Special. Minimum balance of $500 required to open and earn dividends. Early withdrawals may be subject to a penalty.
Promotional rate · 3.94% interest rate · Effective Feb 10, 2026
Rate checked
More details - Members1st Community Credit UnionCertificates of Deposit (CDs)CD · 9 months · $500 min
Credit union · 7 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Some restrictions may apply.
Offer: 9 months special – limited time! Penalty for early withdrawal. Some restrictions may apply.
Promotional rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000with conditions
Requirements
Product: *Eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account.
Offer: Relationship bump rate; eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account.
Qualified rate · 3.94% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000.00 minimum deposit (unless noted) to open account and maintain APY.
Offer: 9 Month Special ($10,000.00 minimum)
Promotional rate · 3.95% interest rate · Effective Oct 5, 2026
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More details - 4.00%APY$299 over 9 months on $10,000
3.98% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Minimum balance to open is $500.00. Minimum balance to obtain APY is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings. Interest rates and APYs are subject to change.
Offer: 9 Month Flex CD
3.95% interest rate · Effective Oct 30, 2025
Rate checked
More details - Citizens Community Credit UnionCertificate of Deposits (CDs)CD · 11 months · $1,000 min
Credit union · 8 branches
4.00%APY$366 over 11 months on $10,000Requirements
Product: Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms 13 months or more).
Offer: Special Certificate Rate
Effective Sep 25, 2026
Rate checked
More details - Siouxland Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty applies (equal to 365 days dividends on the amount withdrawn). Funds transferred to Regular Savings Account at maturity. Allowed a one-time add-on deposit.
Offer: Allowed a one-time add-on deposit.
3.93% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Promotional rate · 3.96% interest rate · Effective Oct 15, 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 Iowa
1,492 CDs at 165 banks and credit unions · checked Oct 16–22
- Typical
- 2.94%
- Top 10% from
- 4.14%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
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