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 31–45 results in Cedar Rapids, IA metro
- Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 2 branches
3.35%APY$335 over 1 year on $10,000Requirements
Product: Allows additional deposits during the term. 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: Tier 1
Effective Sep 25, 2026
Rate by balance
Rate by balance for Add-On CD Balance APY Up to $49 0.10% Up to $499Tier 2 3.00% $500 and upYour amountTier 3 3.35% 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 - Community 1st Credit UnionCertificate AccountsCD · 60 months · $500 min · 3.20%–3.55% by balance
Credit union · 1 branch
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.
3.16% interest rate · Effective Jul 22, 2024
Rate by balance
Rate by balance for Certificate Accounts Balance APY $500 and up 3.20% $7,501 and upYour amount 3.30% $15,001 and up 3.40% $50,001 and up 3.45% $250,001 and up 3.55% 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 - 3.15%APY$183 over 7 months on $10,000with conditions
Requirements
Product: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Institutional/business funds not eligible.
Offer: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 3.15% APY. Institutional/business funds not eligible.
Qualified rate · 3.12% interest rate · Effective Feb 12, 2026
Rate checked
More details - 3.03%APY$303 over 1 year on $10,000
Requirements
Product: Account automatically renews upon maturity with a 10 business day grace period. No deposits permitted after account is opened. Penalty for early withdrawal may apply (including loss of principal). Interest compounded and credited quarterly.
Offer: Early withdrawal penalty: 3 months interest.
3.00% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: When depositing to certain Share Certificates, members have the option of changing the rate once on that certificate for its remaining term at the rate currently being offered by AIM Credit Union. Regular Share Certificates require a $1,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.
Offer: Dividends paid quarterly.
2.96% interest rate
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 - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - Community 1st Credit Union12 Month Dollar Dog Certificate AccountCD · 12 months · $250 min
Credit union · 1 branch
2.75%APY$275 over 1 year on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for withdrawal of funds before maturity.
2.72% interest rate · Effective Jul 22, 2024
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 5 branches
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 - 0.95%APY$288 over 36 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Call or visit the credit union to invest in a certificate.
Offer: Substantial penalty for early withdrawal.
0.95% interest rate · Effective Jan 1, 2024
Rate checked
More details - 0.70%APY$355 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding.
0.70% interest rate · Effective Oct 2, 2026
Rate checked
More details - 0.50%APY$100 over 24 months on $10,000
Requirements
Product: Subsequent deposit minimum $100. Penalty for early withdrawal.
0.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 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 Cedar Rapids, IA metro
410 CDs at 32 banks and credit unions · checked Oct 16–22
- Typical
- 2.26%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Cedar Rapids, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 4 branches
- Bankers TrustBank · 2 branches
- Corda Credit UnionCredit union · 4 branches