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 Spirit Lake, IA metro
- 4.50%APY$1,001 over 26 months on $10,000with conditions
Requirements
Product: Our Pick-A-Term CD allows choosing the maturity date. Earn an additional 0.10% on any new Pick-A-Term or Special Rate CD with a qualifying Northwest Bank checking account. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: With qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open).
Qualified rate · 4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.14%APY$485 over 14 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Opening deposit requirement $500.
Offer: Early withdrawal penalty may apply.
4.08% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.04%APY$612 over 18 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
4.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
3.98% interest rate · Effective Oct 5, 2026
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More details - Citizens Community Credit UnionCertificate of Deposits (CDs)CD · 11 months · $1,000 min
Credit union · 1 branch
4.00%APY$366 over 11 months on $10,000Requirements
Product: Must have Basic Share Account with minimum balance of $25 to open these secondary accounts. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms 13 months or more).
Offer: Special Certificate Rate
Effective Sep 25, 2026
Rate checked
More details - 3.79%APY$379 over 1 year on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
3.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - Bank MidwestCertificates of DepositCD · 60 months · $500 min · 3.65%–3.75% by balance
Bank · 2 branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 60-month Certificate of Deposit
3.60% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.65% $250,000 and up 3.75% Rate checked
More details - 3.60%APY$148 over 5 months on $10,000
Requirements
Product: We reserve the right to decline or limit deposits at our discretion. Early withdrawal penalties may apply.
Offer: Minimum to obtain APY is $0.01.
Effective Nov 3, 2025
Rate checked
More details - 3.53%APY$175 over 6 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
Offer: Interest at maturity. Penalty will or may be imposed for early withdrawal.
3.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.52%APY$263 over 9 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Interest paid at maturity.
Offer: Interest at maturity. Penalty will or may be imposed for early withdrawal.
3.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.02%APY$1,604 over 60 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
3.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - 2.77%APY$707 over 30 months on $10,000
Requirements
Product: Variable rate account; interest rates and annual percentage yields may change after the account is opened. Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Variable rate account. Penalty will or may be imposed for early withdrawal.
2.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - 2.77%APY$854 over 36 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
2.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - 2.52%APY$510 over 24 months on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
2.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - 2.10%APY$424 over 24 months on $10,000
Requirements
Product: Additions of $50 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: Additions of $50 or more are allowed.
2.10% interest rate · Effective Oct 12, 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 Spirit Lake, IA metro
49 CDs at 7 banks and credit unions · checked Oct 16
- Typical
- 3.35%
- Top 10% from
- 4.04%
- Banks, typical
- 3.45%
- Credit unions, typical
- 1.25%
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Find your bank or credit union to see all its rates and how they compare near you.
Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch