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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.

Term
Location

Top CD rates

Showing 16–30 results in Des Moines, IA metro

  1. Premier Credit Union7 Month CD SpecialCD · 7 months · $2,000 min

    Credit union · 4 branches

    4.45%APY$257 over 7 months on $10,000intro rate
  2. Top Carrot, Carrot Score 87
    Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 13 months · $1,000 min

    Bank · 11 branches

    4.40%APY$478 over 13 months on $10,000
  3. Top Carrot, Carrot Score 89
    Empeople Credit UnionShare CertificateCD · 18 months · $500 min

    Credit union · 2 branches

    4.40%APY$667 over 18 months on $10,000
  4. Top Carrot, Carrot Score 89
    City State Bank60 Month Relationship CDCD · 60 months · $500 min

    Bank · 6 branches

    4.40%APY$2,402 over 60 months on $10,000with conditions
  5. Greater Iowa Credit UnionSpecial Share CertificatesCD · 15 months · $1,000 min

    Credit union · 5 branches

    4.30%APY$540 over 15 months on $10,000
  6. Top Carrot, Carrot Score 89
    City State BankCertificate of Deposit AccountsCD · 60 months · $500 min

    Bank · 6 branches

    4.30%APY$2,343 over 60 months on $10,000
  7. Community Choice Credit UnionCertificate of DepositCD · 8 months · $5,000 min

    Credit union · 8 branches

    4.25%APY$281 over 8 months on $10,000intro rate
  8. Veridian Credit UnionStandard CDCD · 9 months · $1,000 min

    Credit union · 9 branches

    4.25%APY$317 over 9 months on $10,000
  9. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 14 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  10. Top Carrot, Carrot Score 91
    Marine Credit UnionCertificate SpecialCD · 13 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate
  11. Top Carrot, Carrot Score 87
    Central State BankCertificates of DepositCD · 15 months · $1,500 min

    Bank · 1 branch

    4.25%APY$534 over 15 months on $10,000intro rate
  12. Top Carrot, Carrot Score 88
    UMB BankTime Deposit Account Special OffersCD · 15 months · $500 min

    Bank · 1 branch

    4.25%APY$534 over 15 months on $10,000intro rate
  13. Farmers State Bank11 Month CDCD · 11 months · $0 min

    Bank · 1 branch

    4.20%APY$384 over 11 months on $10,000
  14. Premier Credit UnionInvestor CertificateCD · 12 months · $2,000 min

    Credit union · 4 branches

    4.20%APY$420 over 1 year on $10,000
  15. TruBankCertificates of Deposit (CDs)CD · 12 months · $10,000 min

    Bank · 6 branches

    4.20%APY$420 over 1 year on $10,000intro rate

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 Des Moines, IA metro

636 CDs at 59 banks and credit unions · checked Oct 16–22

Typical
2.75%
Top 10% from
4.20%
Banks, typical
2.29%
Credit unions, typical
3.25%

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Des Moines, IA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Collins Community Credit UnionCredit union · 2 branches
  2. Serve Credit UnionCredit union · 2 branches
  3. Advantage Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate