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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 61–75 results in Des Moines, IA metro

  1. Farmers & Merchants State Bank12 Month CDCD · 12 months · $1,000 min · 3.50%–3.95% by balance

    Bank · 3 branches

    3.65%APY$365 over 1 year on $10,000
  2. First National BankSpecial Term CDsCD · 18 months · $10,000 min · 3.65%–3.91% by balance

    Bank · 4 branches

    3.65%APY$552 over 18 months on $10,000intro rate
  3. Union State BankStep-Up CD SpecialCD · 36 months · $10,000 min

    Bank · 3 branches

    3.63%APY$1,129 over 36 months on $10,000
  4. Central BankCD SpecialsCD · 5 months · $10,000 min

    Bank · 6 branches

    3.60%APY$148 over 5 months on $10,000
  5. Great Southern Bank11-Month CDCD · 11 months · $1,000 min

    Bank · 5 branches

    3.50%APY$320 over 11 months on $10,000intro rate
  6. Top Carrot, Carrot Score 95
    Collins Community Credit UnionLiquid CDCD · 13 months · $0 min

    Credit union · 2 branches

    3.50%APY$380 over 13 months on $10,000
  7. Capitol View Credit UnionCertificate of DepositCD · 12 months · $2,500 min · 2.70%–3.45% by balance

    Credit union · 1 branch

    3.45%APY$345 over 1 year on $10,000
  8. Great Southern Bank3-Month CDCD · 3 months · $1,000 min

    Bank · 5 branches

    3.40%APY$84 over 3 months on $10,000intro rate
  9. Dupaco Community Credit UnionRegular CertificatesCD · 6 months · $1,000 min

    Credit union · 2 branches

    3.40%APY$169 over 6 months on $10,000
  10. Great Southern Bank6-Month CDCD · 6 months · $1,000 min

    Bank · 5 branches

    3.40%APY$169 over 6 months on $10,000intro rate
  11. Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance

    Credit union · 9 branches

    3.35%APY$335 over 1 year on $10,000
  12. Greater Iowa Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 5 branches

    3.35%APY$1,791 over 60 months on $10,000
  13. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 8 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  14. 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 $10,000
  15. First Class Community Credit UnionShare CertificateCD · 12 months · $2,000 min

    Credit union · 2 branches

    3.28%APY$328 over 1 year 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