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 166–180 results in Iowa
- 3.49%APY$173 over 6 months on $10,000with conditions
Requirements
Product: Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.
Offer: Relationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term.
Qualified rate · 3.45% interest rate · Effective Oct 2, 2026
Rate checked
More details - Capitol View Credit UnionCertificate of DepositCD · 12 months · $2,500 min · 2.70%–3.45% by balance
Credit union · 1 branch
3.45%APY$345 over 1 year on $10,000Requirements
Product: Certificates are subject to early withdrawal penalties of 90 days interest for terms 12 months or less and 180 days interest for terms greater than 12 months. Dividends are paid quarterly.
2.67% interest rate · Effective Jul 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,500 and up 2.70% $10,000 and upYour amount 3.45% Rate checked
More details - 3.40%APY$84 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - Dupaco Community Credit UnionRegular CertificatesCD · 6 months · $1,000 min
Credit union · 18 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 - 3.40%APY$169 over 6 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Special promotional rate applicable for initial term only.
Offer: Special promotional rate is applicable for the initial term only. Early withdrawal penalty applies.
Promotional rate · Effective Oct 2, 2026
Rate checked
More details - River Community CUCertificates of DepositCD · 24 months · $1,000 min · 3.14%–3.40% by balance
Credit union · 1 branch
3.40%APY$692 over 24 months on $10,000Requirements
Product: Minimum deposit of $1,000 to open. Additional rates available when depositing over $10,000. Dividends paid at maturity.
Offer: Minimum deposit $1,000.
3.10% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.14% $10,000 and upYour amountMinimum deposit over $10,000. 3.40% Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 24 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 - First Citizens BankCD (Certificate of Deposit)CD · 36 months · $1,000 min · 3.24%–3.55% by balance
Bank · 6 branches
3.34%APY$1,036 over 36 months on $10,000Requirements
Product: Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
Offer: Interest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest.
3.20% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) Balance APY $1,000 – $5,000 3.24% $5,000 – $25,000Your amount 3.34% $25,000 – $50,000 3.44% $50,000 and up 3.55% Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Offer: No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. 6 month CD will renew into the same 6 month term with rate determined at time of renewal.
Effective Aug 24, 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 - Community 1st Credit UnionCertificate AccountsCD · 60 months · $500 min · 3.20%–3.55% by balance
Credit union · 23 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.
3.16% interest rate · Effective Jul 22, 2024
Rate by balance
Rate by balance for Certificate Accounts Balance APY $500 and up 3.20% $7,501 and upYour amount 3.30% $15,001 and up 3.40% $50,001 and up 3.45% $250,001 and up 3.55% Rate checked
More details - 3.29%APY$163 over 6 months on $10,000
Requirements
Product: Interest compounded on a quarterly basis; may be added to principal or issued by check. Substantial penalty for early withdrawal. Bank neither solicits nor accepts out of state commercial deposits.
Offer: Substantial penalty for early withdrawal.
3.25% interest rate · Effective Sep 22, 2025
Rate checked
More details - First Class Community Credit UnionShare CertificateCD · 12 months · $2,000 min
Credit union · 2 branches
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 - North Iowa Community Credit UnionShare Certificates (CD’s)CD · 6 months · $100 min
Credit union · 2 branches
3.25%APY$161 over 6 months on $10,000Requirements
Product: All certificates require a minimum of $100 to start unless otherwise noted. Early withdrawal may result in penalties. Withdrawals may affect APY.
Offer: Early withdrawal may result in penalties.
3.20% interest rate · Effective Oct 1, 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 16–23
- 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