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 1–15 results in Iowa City, IA metro
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
Offer: CD Special
4.18% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Quarterly compounding. Penalty will be imposed for early withdrawal.
Offer: Quarterly compounding. Early withdrawal penalty applies.
4.18% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD Specials Balance APY $500 – $125,000Your amount 4.25% $125,000 – $225,000 4.35% $225,000 and up 4.45% Rate checked
More details - Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 1 branch
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - 4.15%APY$275 over 8 months on $10,000
Requirements
Product: Penalty for early withdrawal on Time Certificates. Fees may reduce earnings. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
Offer: Compounding & Crediting Frequency: at maturity.
4.15% interest rate · Effective Oct 13, 2026
Rate checked
More details - 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 rateRequirements
Product: Limited-time offer. A penalty may be imposed for early withdrawal. Subject to change and may end at any time without notice.
Offer: Limited-time special celebrating 90 years of C1st. Early withdrawal penalty may apply.
Promotional rate · 4.09% interest rate · Effective Sep 14, 2026
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000intro rate
Requirements
Product: Membership Savings account is required to obtain Corda Credit Union products. Minimum $1,000 to open. Interest compounded quarterly. Penalty for early withdrawal on up-to-36-month certificates of deposit is 180 days loss of interest on the amount withdrawn.
Offer: CD special available only for a limited time. Interest compounded quarterly. Membership Savings account required.
Promotional rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$958 over 27 months on $10,000intro rate
Requirements
Product: Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Penalty for early withdraw may apply including loss of principal.
Offer: Existing CD renewals not subject to special rates at maturity unless specifically requested. Compounded and paid quarterly. Penalty for early withdrawal may apply.
Promotional rate · 4.09% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$801 over 23 months on $10,000intro rate
Requirements
Offer: Deposit Special
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
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More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
4.01% interest rate · Effective Oct 1, 2026
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More details - Collins Community Credit UnionCertificates of Deposit (CDs)CD · 19 months · $1,000 min
Credit union · 1 branch
4.05%APY$649 over 19 months on $10,000Requirements
Product: Must meet membership eligibility requirements. Requires $1,000.00 to open and earn APY. Penalty may be assessed for early withdrawal. Rates for renewing Certificates may differ from rates available for new-money deposits; higher promotional rates may be available for new funds from outside the credit union.
Offer: APY assumes dividends remain in account until maturity. Penalty may be assessed for early withdrawal.
Effective Sep 18, 2026
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 - 3.50%APY$380 over 13 months on $10,000
Requirements
Product: Must meet membership eligibility requirements. No minimum to open and no minimum balance required to earn APY. Additional deposits permitted throughout the term of any dollar amount. Partial withdrawals are not permitted; full balance may be withdrawn prior to maturity without an early withdrawal penalty, which will result in the account being closed. Not available as an IRA CD.
Offer: 13 Month Liquid CD is not available as an IRA CD. Additional deposits permitted. Early withdrawal of entire balance permitted without penalty, closing the account; partial withdrawals not permitted.
Effective Sep 18, 2026
Rate checked
More details - 3.49%APY$173 over 6 months on $10,000with conditions
Requirements
Product: Rates applicable for the initial term only and will renew at next lower non-special standard term. Penalty for early withdrawal. Fees may reduce earnings. APY is based on quarterly compounding. Active checking account with recurring deposits and or debit activity required to obtain relationship pricing.
Offer: Relationship pricing; requires active checking account with recurring deposits and or debit activity. Renews at next lower non-special standard term.
Qualified rate · 3.45% interest rate · Effective Oct 2, 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 Iowa City, IA metro
296 CDs at 20 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.51%
- Credit unions, typical
- 2.98%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Iowa City, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 1 branch
- Corda Credit UnionCredit union · 1 branch