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 16–30 results in Ames, IA metro
- 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Dividends calculated using Daily Balance method and compound/credit quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed. $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 10-day Grace Period. Early withdrawal penalties may be imposed.
Promotional rate · 3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - Members1st Community Credit UnionCertificates of Deposit (CDs)CD · 9 months · $500 min
Credit union · 2 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Some restrictions may apply.
Offer: 9 months special – limited time! Penalty for early withdrawal. Some restrictions may apply.
Promotional rate · 3.93% interest rate
Rate checked
More details - Vision Bank of Iowa.VisionBank Certificate of Deposit (CD) SpecialCD · 9 months · $5,000 min
Bank · 7 branches
3.80%APY$284 over 9 months on $10,000intro rateRequirements
Product: Special rate limited to $250,000 per individual. Interest rates are not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Special rate limited to $250,000 per individual. Not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Promotional rate · 3.78% interest rate · Balance cap $250,000 · Effective Sep 17, 2026
Rate checked
More details - Reliance State BankCertificates of DepositCD · 12 months · $2,500 min · 3.58%–3.84% by balance
Bank · 1 branch
3.68%APY$368 over 1 year on $10,0003.55% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and up 3.58% $10,000 and upYour amount 3.68% $25,000 and up 3.84% Rate checked
More details - First National BankSpecial Term CDsCD · 18 months · $10,000 min · 3.65%–3.91% by balance
Bank · 3 branches
3.65%APY$552 over 18 months on $10,000intro ratePromotional rate · 3.60% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Special Term CDs Balance APY $10,000 and upYour amount 3.65% $25,000 and up 3.91% 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 - 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - First National BankStandard Term CDsCD · 49–60 months · $1,000 min · 2.52%–2.73% by balance
Bank · 3 branches
2.63%APY2.50% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Standard Term CDs Balance APY $1,000 and up 2.52% $10,000 and upYour amount 2.63% $25,000 and up 2.73% Rate checked
More details - 2.32%APY$469 over 24 months on $10,000
1.95% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Add it Up CD Balance APY $100 and up 1.96% $1,000 and up 2.22% $10,000 and upYour amount 2.32% Rate checked
More details - 2.10%APY$424 over 24 months on $10,000
Requirements
Product: Additions of $50 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: Additions of $50 or more are allowed.
2.10% interest rate · Effective Oct 12, 2026
Rate checked
More details - 2.00%APY$824 over 48 months on $10,000
Requirements
Product: Interest rates are not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
2.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 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
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 Ames, IA metro
321 CDs at 21 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.10%
- Banks, typical
- 1.80%
- Credit unions, typical
- 3.09%
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Find your bank or credit union to see all its rates and how they compare near you.
Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch