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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 31–45 results in Des Moines, IA metro

  1. Farmers State Bank16 Month CDCD · 16 months · $0 min

    Bank · 1 branch

    4.20%APY$564 over 16 months on $10,000
  2. Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance

    Credit union · 2 branches

    4.20%APY$600 over 17 months on $10,000intro rate
  3. Top Carrot, Carrot Score 89
    City State BankCertificate of Deposit SPECIALSCD · 25 months · $10,000 min

    Bank · 6 branches

    4.20%APY$895 over 25 months on $10,000intro rate
  4. Community 1st Credit Union13-Month Certificate Account SpecialCD · 13 months · $1,000 min

    Credit union · 1 branch

    4.15%APY$450 over 13 months on $10,000intro rate
  5. Bank IowaBank Iowa Certificate of DepositCD · 17 months · $5,000 min

    Bank · 5 branches

    4.15%APY$593 over 17 months on $10,000
  6. Top Carrot, Carrot Score 87
    Grinnell State BankCertificates of DepositCD · 33 months · $1,000 min · 4.15%–4.25% by balance

    Bank · 2 branches

    4.15%APY$1,183 over 33 months on $10,000
  7. Top Carrot, Carrot Score 89
    Midland Credit UnionShare CertificatesCD · 16 months · $2,500 min

    Credit union · 2 branches

    4.10%APY$550 over 16 months on $10,000
  8. Top Carrot, Carrot Score 91
    IH Mississippi Valley Credit UnionCDsCD · 36 months · $250 min

    Credit union · 1 branch

    4.10%APY$1,281 over 36 months on $10,000
  9. Leighton State BankCertificates of Deposit (CDs)CD · 24 months · $500 min

    Bank · 1 branch

    4.09%APY$835 over 24 months on $10,000intro rate
  10. 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 $10,000
  11. Top Carrot, Carrot Score 95
    Collins Community Credit UnionCertificates of Deposit (CDs)CD · 19 months · $1,000 min

    Credit union · 2 branches

    4.05%APY$649 over 19 months on $10,000
  12. Union State Bank7 Month CD SpecialCD · 7 months · $10,000 min

    Bank · 3 branches

    4.03%APY$233 over 7 months on $10,000intro rate
  13. BankCSB10-month "add on" CD SpecialCD · 10 months · $2,000 min

    Bank · 10 branches

    4.02%APY$334 over 10 months on $10,000intro rate
  14. Top Carrot, Carrot Score 89
    Des Moines Metro Credit UnionShare CertificatesCD · 6 months · $5,000 min

    Credit union · 1 branch

    4.01%APY$199 over 6 months on $10,000
  15. South Story Bank & TrustCertificates of DepositCD · 3 months · $1,000 min

    Bank · 1 branch

    4.00%APY$99 over 3 months on $10,000

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