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 31–45 results in Iowa
- 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Interest rates are subject to change without notice. Subject to penalty for early withdrawal on Certificate of Deposits.
Offer: Minimum balance to open and obtain APY is $1,000.
4.25% interest rate · Effective Aug 26, 2026
Rate checked
More details - 4.30%APY$503 over 14 months on $10,000intro rate
Requirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: CD Special. Limited Time Only. Compound frequency: Semi Annual. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 4.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - Greater Iowa Credit UnionSpecial Share CertificatesCD · 15 months · $1,000 min
Credit union · 9 branches
4.30%APY$540 over 15 months on $10,000Requirements
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 on certificates with a term of one year or less and 180 days of interest on certificates with a term greater than one year. Early withdrawal penalty may be deducted from principal amount. Withdrawal of earnings could reduce APY.
Offer: Special Share Certificates - Special rates and special features. Early withdrawal penalty of 180 days of interest on certificates with a term greater than one year.
4.22% interest rate · Compounded monthly · Effective Oct 6, 2026
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More details - 4.30%APY$2,343 over 60 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
4.26% interest rate
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More details - Clear Lake Bank and Trust CompanyCDs (Certificates of Deposit)CD · 9 months · $5,000 min
Bank · 5 branches
4.27%APY$319 over 9 months on $10,000Requirements
Product: Early withdrawal penalties apply. Limited time only. Fees may reduce earnings.
Offer: CD SPECIAL #1. Limited time only. Early withdrawal penalties apply. Fees may reduce earnings.
Effective Sep 18, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000intro rate
Requirements
Product: All certificates require a $5 minimum opening balance and a $5 Membership Share account. A penalty may be imposed for early withdrawal. Federally insured by NCUA.
Offer: 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Early withdrawal penalty may apply.
Promotional rate · Effective Aug 12, 2026
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More details - Community Choice Credit UnionCertificate of DepositCD · 8 months · $5,000 min
Credit union · 11 branches
4.25%APY$281 over 8 months on $10,000intro rateRequirements
Product: Penalties may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Must deposit $5K from a different institution or have direct deposit with Community Choice.
Promotional rate · 4.18% interest rate · Effective Sep 24, 2024
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More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: 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: CD Special
4.18% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - North Star Community Credit UnionShare CertificateCD · 12 months · $100 min
Credit union · 3 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
Offer: 1 Year Star Saver variant
4.18% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Limited time offer. Early withdrawals may be subject to penalty.
Offer: Limited time offer. Early withdrawals may be subject to penalty.
Promotional rate · Effective Oct 14, 2026
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More details - 4.25%APY$461 over 13 months on $10,000
Requirements
Product: FDIC insured up to the maximum amount ($250,000). Guaranteed fixed interest rates. Subject to penalty for early withdrawal. Interest rates subject to change.
Offer: 13 Month Special. Subject to penalty for early withdrawal. Interest rates subject to change.
4.20% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: Membership required. Available for a limited time. Penalty for early withdrawal. Fees could reduce earnings. APY assumes principal and interest remain on deposit for full term.
Offer: Limited time offer. Minimum balance to earn dividends is $1,000.
Promotional rate · 4.18% interest rate · Effective Oct 1, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties may be imposed on certificates of deposit. The certificate of deposit APY assumes that interest will remain on deposit until maturity. Any penalties or fees could reduce earnings.
Promotional rate · 4.18% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty fees may apply on Certificates of Deposits 6 to 60 months. No maintenance fees. Accounts automatically renew.
Offer: Special CD term
Promotional rate · 4.20% interest rate · Effective Sep 28, 2026
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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