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 1–14 results in Ottumwa, IA metro
- 4.40%APY$667 over 18 months on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.31% interest rate
Rate checked
More details - 4.31%APY$468 over 13 months on $10,000intro rate
Requirements
Product: Rates applicable across all locations / other markets. Interest compounded at maturity for 3 and 6 months, and every 6 months for longer terms. A penalty may be imposed for early withdrawal.
Offer: 13 Month Special. Compounded every 6 months.
Promotional rate · 4.26% interest rate · Effective Oct 15, 2026
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More details - 4.31%APY$468 over 13 months on $10,000intro rate
Requirements
Product: Rates applicable to West Liberty location. Interest compounded at maturity for 3 and 6 months, and every 6 months for longer terms. A penalty may be imposed for early withdrawal.
Offer: 13 Month Special. Compounded every 6 months.
Promotional rate · 4.26% interest rate · Effective Oct 15, 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 - Community 1st Credit Union13-Month Certificate Account SpecialCD · 13 months · $1,000 min
Credit union · 4 branches
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
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More details - 4.04%APY$612 over 18 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer.
4.00% interest rate · Effective Sep 28, 2026
Rate checked
More details - River Community CUCertificates of DepositCD · 24 months · $1,000 min · 3.14%–3.40% by balance
Credit union · 1 branch
3.40%APY$692 over 24 months on $10,000Requirements
Product: Minimum deposit of $1,000 to open. Additional rates available when depositing over $10,000. Dividends paid at maturity.
Offer: Minimum deposit $1,000.
3.10% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.14% $10,000 and upYour amountMinimum deposit over $10,000. 3.40% Rate checked
More details - Community 1st Credit UnionCertificate AccountsCD · 60 months · $500 min · 3.20%–3.55% by balance
Credit union · 4 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.
3.16% interest rate · Effective Jul 22, 2024
Rate by balance
Rate by balance for Certificate Accounts Balance APY $500 and up 3.20% $7,501 and upYour amount 3.30% $15,001 and up 3.40% $50,001 and up 3.45% $250,001 and up 3.55% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Community 1st Credit Union12 Month Dollar Dog Certificate AccountCD · 12 months · $250 min
Credit union · 4 branches
2.75%APY$275 over 1 year on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for withdrawal of funds before maturity.
2.72% interest rate · Effective Jul 22, 2024
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - 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 - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Ottumwa, IA metro
91 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 1.51%
- Top 10% from
- 4.10%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
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Ottumwa, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Empeople Credit UnionCredit union · 1 branch
- Iowa State BankBank · 1 branch