Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 358 results in Iowa
- Kinecta30-Month Promo CertificateCD · 30 months · $1,000 min
Credit union · Opens accounts online nationwide
5.00%APY$1,297 over 30 months on $10,000intro rateRequirements
Product: Membership requirements apply. Certificate is a fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to regular share account unless alternative withdrawal instructions are provided.
Offer: Fixed rate and term for initial 30 months. Stated APY applies to initial term assuming dividends remain until maturity; compounded monthly. Transfer to regular share account upon maturity unless alternative withdrawal instructions provided.
Promotional rate · Compounded monthly · Effective Oct 20, 2026
Rate checked
More details - Quorum Federal Credit UnionCertificate AccountCD · 48 months · $100 min
Credit union · Opens accounts online nationwide
5.00%APY$2,155 over 48 months on $10,000Requirements
Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.
Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.
4.89% interest rate · Effective Oct 19, 2026
Rate checked
More details - Sallie MaeSallie Mae Certificates of Deposit (CDs)CD · 60 months · $2,500 min
Bank · Opens accounts online nationwide
5.00%APY$2,763 over 60 months on $10,000intro rateRequirements
Product: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (90 days' simple interest for terms 12 months or less, 180 days' simple interest for terms greater than 12 months). Automatically renews at maturity with a 10-day grace period. No monthly maintenance fees.
Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.
Promotional rate · 4.88% interest rate · Effective Nov 5, 2026
Rate checked
More details - Popular DirectPopular Direct Certificate of DepositCD · 60 months · $10,000 min
Part of Popular Bank · Opens accounts online nationwide
5.00%APY$2,763 over 60 months on $10,000Requirements
Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.
Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 730 days simple interest for terms >=60 months.
4.88% interest rate · Compounded daily · Effective Oct 26, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 18 months · $1,500 min
Bank · Opens accounts online nationwide
4.85%APY$736 over 18 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 29, 2026
Rate checked
More details - 4.76%APY$975 over 24 months on $10,000
Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
4.66% interest rate · Balance cap $500,000 · Effective Oct 29, 2026
Rate checked
More details - Barclays Bank DelawareBarclays Online CDsCD · 24 months · $0 min
Bank · Opens accounts online nationwide
4.75%APY$973 over 24 months on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
4.64% interest rate · Effective Oct 7, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 60 months · $0 min
Bank · Opens accounts online nationwide
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.64% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.70%APY$510 over 13 months on $10,000
Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
Offer: Limited time offer.
4.60% interest rate · Balance cap $250,000 · Effective Nov 5, 2026
Rate checked
More details - 4.61%APY$1,067 over 27 months on $10,000with conditions
Requirements
Product: Option to pay monthly to a USB checking account
Offer: Option to pay monthly to a USB checking account
Qualified rate · 4.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.60%APY$2,522 over 60 months on $10,000with conditions
Requirements
Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship CD: requires Direct Deposit Checking.
Qualified rate · 4.52% interest rate · Effective Nov 5, 2026
Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 4.60%–4.80% by balance
Credit union · 2 branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.60% $50,000 – $100,000 4.70% $100,000 and up 4.80% Rate checked
More details - 4.58%APY$342 over 9 months on $10,000
Requirements
Product: Affinity Credit Union membership required. Early withdrawal penalty may apply. Dividends compound quarterly, or yearly on 36-month certificates.
Offer: Limited-time special. Rolls into a 12-month regular certificate upon maturity. Dividends compound quarterly. Early withdrawal penalty may apply.
4.50% interest rate · Effective Oct 21, 2026
Rate checked
More details - State Savings BankCertificate of DepositCD · 55 months · $2,000 min · 4.37%–4.58% by balance
Bank · 2 branches
4.58%APY$2,278 over 55 months on $10,000Requirements
Product: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.
Offer: 55 Month Special Flex
4.50% interest rate · Effective Oct 30, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,000 – $245,000Your amount 4.58% Over $245,000 4.37% Rate checked
More details - Rising BankTerm CDCD · 12 months · $1,000 min
Part of Midwest BankCentre · Opens accounts online nationwide
4.51%APY$451 over 1 year on $10,000Requirements
Product: Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.
Offer: Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 90 days' interest may apply.
4.44% interest rate · Balance cap $1,000,000 · Effective Oct 30, 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
2,060 CDs at 221 banks and credit unions · checked Nov 5–7
- Typical
- 3.20%
- Top 10% from
- 4.25%
- Banks, typical
- 3.03%
- Credit unions, typical
- 3.25%
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Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Advantage Credit UnionCredit union · 1 branch
- Serve Credit UnionCredit union · 2 branches
- Collins Community Credit UnionCredit union · 9 branches