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 91–105 results in Des Moines, IA metro
- 2.00%APY$824 over 48 months on $10,000
Requirements
Product: Interest rates are not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Not applicable to Public Funds, Institutional and Out of State depositors without a primary checking relationship.
2.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 14 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 - 1.51%APY$778 over 60 months on $10,000
Requirements
Product: All CD rates are subject to change weekly and are not guaranteed until opened. Early withdrawal penalties and other terms and conditions may apply. APY is based on a 365-day period with daily compounding.
1.50% interest rate
Rate checked
More details - 1.25%APY$641 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Fixed rate CD terms. Subject to credit qualifications. Early withdrawal penalties may apply.
Offer: Visit branch to open.
1.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - 1.20%APY$60 over 6.066666666666666 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Offer: Early withdrawal penalties may apply.
Effective Jan 13, 2025
Rate checked
More details - 0.70%APY$70 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 1 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.70%APY$140 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 2 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.60%APY$15 over 3.033333333333333 months on $10,000
Requirements
Product: Bump-up bonus rate for qualified accounts. Consumers will auto-renew at a regular 91-day CD; businesses are single maturity. Early termination penalties apply (3 months interest). No Financial Institutions.
Rate by balance
Rate by balance for 91-day CD Balance APY $2,000 – $24,999Your amount 0.60% $25,000 – $99,999 0.70% $100,000 and up 0.80% 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 - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - Community Choice Credit UnionMini Certificate of DepositCD · 6 months · $1,000 min
Credit union · 8 branches
0.15%APY$7 over 6 months on $10,000Requirements
Product: Penalties may be imposed for early withdrawal. Fees could reduce earnings.
0.15% interest rate · Effective Sep 24, 2024
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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