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 46–60 results in Des Moines, 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 - The Family Credit UnionShare Certificates (Certificates of Deposit)CD · 7 months · $500 min
Credit union · 1 branch
4.00%APY$231 over 7 months on $10,000intro rateRequirements
Product: Available for a minimum deposit of $500 with terms from 6 to 60 months. Certificates automatically renew. May be used as security to get a better rate on your next loan. A penalty will be imposed for early withdrawal.
Offer: 7 Month Special. Minimum balance of $500 required to open and earn dividends. Early withdrawals may be subject to a penalty.
Promotional rate · 3.94% interest rate · Effective Feb 10, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Minimum balance to open is $500.00. Minimum balance to obtain APY is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings. Interest rates and APYs are subject to change.
Offer: 9 Month Flex CD
3.95% interest rate · Effective Oct 30, 2025
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.
Offer: Public funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies.
3.95% interest rate · Effective Jun 24, 2026
Rate checked
More details - Peoples BankCertificates of Deposit (CDs)CD · 15 months · $1,000 min · 4.00%–4.10% by balance
Bank · 4 branches
4.00%APY$502 over 15 months on $10,0003.95% interest rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - 3.95%APY$496 over 15 months on $10,000
Requirements
Product: CDs are FDIC insured. Available terms from 3 months to 5 years. Interest is compounded annually or at maturity and can be deposited into an account monthly or quarterly. Early withdrawal will result in a penalty.
Offer: Special rate CD. $5,000 minimum balance required to open special rate CDs. Early withdrawal penalty may apply.
Compounded annually · Effective Sep 29, 2026
Rate checked
More details - 3.94%APY$428 over 13 months on $10,000
Requirements
Product: Maturities available from 91 days to 5 years. Automatic renewal options available. Opening deposit requirements vary. Early withdrawals may be subject to penalty.
Offer: Not eligible for Broker or Institutional Funds. Automatically renews to a 1-year certificate at maturity at the renewal interest rate then offered on a 1-year certificate. Interest compounded and credited every 6 months. Minimum opening deposit $1,000 (for account holders aged 18 or younger, minimum opening deposit is $100.00). Early withdrawal penalty applies.
3.90% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.87%APY$420 over 13 months on $10,000
3.80% interest rate · Effective Sep 14, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 12 months · $1,000 min · 3.85%–4.00% by balance
Bank · 9 branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 12 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.80% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.85% $15,000 and up 4.00% Rate checked
More details - Vision Bank of Iowa.VisionBank Certificate of Deposit (CD) SpecialCD · 9 months · $5,000 min
Bank · 6 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 - Farmers & Merchants State Bank6 Month CDCD · 6 months · $1,000 min · 3.68%–3.89% by balance
Bank · 3 branches
3.79%APY$188 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 6 Month CD Balance APY $1,000 and up 3.68% $10,000 and upYour amount 3.79% $100,000 and up 3.89% Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
3.70% interest rate · Effective Sep 14, 2026
Rate checked
More details - Farmers & Merchants State Bank18 Month CDCD · 18 months · $1,000 min · 3.56%–4.06% by balance
Bank · 3 branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.55% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 18 Month CD Balance APY $1,000 and up 3.56% $10,000 and upYour amount 3.76% $100,000 and up 4.06% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.74%APY$154 over 5 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. APY accurate as of 08/31/26.
3.70% interest rate · Effective Aug 31, 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 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
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch