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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 31–36 results in Waterloo, IA metro

  1. First Security State BankCertificates of DepositCD · 60 months · $1,000 min

    Bank · 2 branches

    1.15%APY$588 over 60 months on $10,000
  2. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 4 branches

    0.40%APY$202 over 60 months on $10,000
  3. U.S. BankStep Up CDCD · 28 months · $1,000 min · 4 steps

    Bank · 4 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  4. U.S. BankU.S. Bank Certificates of DepositCD · 60 months · $500 min

    Bank · 4 branches

    0.25%APY$126 over 60 months on $10,000
  5. Community Choice Credit UnionMini Certificate of DepositCD · 6 months · $1,000 min

    Credit union · 1 branch

    0.15%APY$7 over 6 months on $10,000
  6. First Interstate BankFixed Rate CDCD · 1–2 months · $10,000 min

    Bank · 2 branches

    0.01%APY

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 Waterloo, IA metro

218 CDs at 21 banks and credit unions · checked Oct 16–22

Typical
2.73%
Top 10% from
4.20%
Banks, typical
2.34%
Credit unions, typical
2.85%

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Waterloo, IA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Collins Community Credit UnionCredit union · 1 branch
  2. CFCCUCredit union · 3 branches
  3. Empeople Credit UnionCredit union · 6 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate