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 226–240 results in Iowa
- Boone Bank & Trust Co.Certificates of Deposits (CD)CD · 3 months · $1,000 min · 1.13%–2.65% by balance
Bank · 2 branches
1.64%APY$41 over 3 months on $10,000Requirements
Product: Fixed interest rates for the full term. Funds are committed for a set period of time. Early withdrawals will result in penalties. CDs are opened with banker assistance.
Effective Jan 14, 2026
Rate by balance
Rate by balance for Certificates of Deposits (CD) Balance APY $1,000 – $4,999 1.13% $5,000 – $9,999 1.38% $10,000 – $24,999Your amount 1.64% $25,000 – $49,999 2.14% $50,000 – $99,999 2.65% Rate checked
More details - First State Bank24 Month Certificate of DepositCD · 24 months · $1,000 min · 1.56%–1.66% by balance
Bank · 1 branch
1.56%APY$314 over 24 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.55% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 24 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.56% $50,000 and up 1.66% Rate checked
More details - First State Bank36 Month Certificate of DepositCD · 36 months · $1,000 min · 1.56%–1.66% by balance
Bank · 1 branch
1.56%APY$475 over 36 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.55% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 36 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.56% $50,000 and up 1.66% Rate checked
More details - First State Bank48 Month Certificate of DepositCD · 48 months · $1,000 min · 1.56%–1.66% by balance
Bank · 1 branch
1.56%APY$639 over 48 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.55% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 48 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.56% $50,000 and up 1.66% Rate checked
More details - First State Bank60 Month Certificate of DepositCD · 60 months · $1,000 min · 1.56%–1.66% by balance
Bank · 1 branch
1.56%APY$805 over 60 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.55% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 60 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.56% $50,000 and up 1.66% Rate checked
More details - 1.51%APY$38 over 3 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
Offer: Interest at maturity. Penalty will or may be imposed for early withdrawal.
1.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - 1.51%APY$618 over 48 months on $10,000
Requirements
Product: Available in First Bank service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. Substantial penalty for early withdrawal.
1.50% interest rate · Effective Oct 8, 2026
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 - First State Bank12 Month Certificate of DepositCD · 12 months · $1,000 min · 1.46%–1.51% by balance
Bank · 2 branches
1.46%APY$146 over 1 year on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance method used.
1.45% interest rate
Rate by balance
Rate by balance for 12 Month Certificate of Deposit Balance APY $1,000 – $25,000Your amount 1.46% $25,000 and up 1.51% Rate checked
More details - First State Bank18 Month Certificate of DepositCD · 18 months · $1,000 min · 1.46%–1.56% by balance
Bank · 1 branch
1.46%APY$220 over 18 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.45% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 18 Month Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.46% $50,000 and up 1.56% Rate checked
More details - U.P Connection Federal Credit UnionStep-Up CertificatesCD · 36 months · $500 min
Credit union · 1 branch
1.39%APY$423 over 36 months on $10,000intro rateRequirements
Product: Minimum deposit $500.00 – dividends compounded monthly. Step-up certificates allow the owner a one time step-up to a higher rate (only available on 36 & 60 month terms).
Offer: Dividends compounded monthly; allows a one time step-up to a higher rate
Promotional rate · 1.38% interest rate · Compounded monthly · Effective Jan 15, 2025
Rate checked
More details - First State Bank182 Day Certificate of DepositCD · 6 months · $1,000 min · 1.31%–1.41% by balance
Bank · 1 branch
1.31%APY$66 over 6.066666666666666 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.30% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 182 Day Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.31% $50,000 and up 1.41% 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 - First State Bank91 Day Certificate of DepositCD · 3 months · $1,000 min · 1.21%–1.31% by balance
Bank · 1 branch
1.21%APY$30 over 3.033333333333333 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal.
Offer: Daily balance computation method.
1.20% interest rate · Effective Jul 29, 2026
Rate by balance
Rate by balance for 91 Day Certificate of Deposit Balance APY $1,000 – $50,000Your amount 1.21% $50,000 and up 1.31% Rate checked
More details - 1.21%APY$620 over 60 months on $10,000
Requirements
Product: Penalties apply for early withdrawal. Guaranteed fixed rate of return. Choose the term to suit your needs, from 7 days to 5 years.
Offer: Compounded quarterly. Early withdrawal penalties apply.
1.20% interest rate · Compounded quarterly · Effective Oct 2, 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