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 1–15 results in Iowa
- 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
Offer: Minimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only.
Promotional rate · 4.30% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.22% interest rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
Offer: Limited Time Special
Promotional rate · 4.23% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 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 - 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 - North Star Community Credit UnionShare CertificateCD · 12 months · $500 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.
4.18% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: A fixed-rate investment with terms from 7 months to 3 years. Minimum deposit of $2,000 is required. Dividends are compounded quarterly. Penalty for early withdrawal. Renewals are automatic unless notified within a 10-day Grace Period. $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 a 10-day Grace Period. Early withdrawal penalties may be imposed.
4.14% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000intro rate
Requirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees. $500 minimum deposit to open. Compounded quarterly. Consumer accounts only.
Offer: CD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only.
Promotional rate · 4.14% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 12 months · $2,000 min · 4.19%–4.35% by balance
Bank · 6 branches
4.19%APY$419 over 1 year on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.15% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.19% $100,000 and up 4.35% Rate checked
More details - New Albin Savings BankCertificates of DepositCD · 12 months · $1,000 min · 4.16%–4.27% by balance
Bank · 1 branch
4.16%APY$416 over 1 year on $10,000Requirements
Product: Available terms range from 3 months to 5 years. Minimum balance to open a certificate is $1,000. Interest compounded and credited quarterly, semi-annually, or annually. Penalty for early withdrawal. APY based on quarterly compounding.
Offer: Penalty for early withdrawal. APY based on quarterly compounding.
4.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.16% $100,000 and up 4.27% Rate checked
More details - FreedomBankCertificate of DepositCD · 12 months · $1,000 min · 4.14%–4.30% by balance
Bank · 4 branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
4.10% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 4.14% $25,000 – $100,000 4.14% $100,000 and up 4.30% Rate checked
More details - First Bank HamptonCertificates of Time DepositCD · 12 months · $1,000 min · 4.00%–4.20% by balance
Bank · 2 branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Interest compounded quarterly. Early withdrawal penalties may apply: 12 months and under maturity is 9 months interest.
3.94% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 4.00% $7,500 – $100,000Your amount 4.10% $100,000 and up 4.20% Rate checked
More details - Fox Valley Credit UnionTerm Certificates or Certificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.08%APY$408 over 1 year on $10,000intro rateRequirements
Product: The minimum deposit to open a CD is $500. There is a penalty for early withdrawal, and fees could reduce both earnings and principle on the account.
Offer: Limited time promotional rate; maximum deposit of $50,000 per member; penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Balance cap $50,000 · Effective Oct 6, 2026
Rate checked
More details - Affinity Credit UnionCertificatesCD · 12 months · $1,000 min · 1.26%–4.06% by balance
Credit union · 2 branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Dividends compounded quarterly (36-month compounded yearly). Minimum balance required to earn stated APY.
Offer: Dividends compounded quarterly.
1.25% interest rate · Compounded quarterly · Effective Feb 10, 2025
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 1.26% $10,000 and upYour amount 4.06% Rate checked
More details - First Federal Credit Union.Certificate SpecialCD · 7–13 months · $10,000 min
Credit union · 6 branches
4.05%APYintro rateRequirements
Product: Lock in savings with Certificate of Deposit Special. Pick term 7 - 13 Month with $10,000 minimum balance.
Offer: $10,000 minimum balance. Pick term 7 - 13 Month. Note: Table text displays 405.00% APY due to formatting/misprint, corresponding to 4.05% APY.
Promotional 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Iowa
178 CDs at 143 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.04%
- Banks, typical
- 2.67%
- Credit unions, typical
- 3.10%
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