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 16–30 results in Ames, IA
- 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
3.30% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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 - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - First National BankStandard Term CDsCD · 49–60 months · $1,000 min · 2.52%–2.73% by balance
Bank · 3 branches
2.63%APY2.50% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Standard Term CDs Balance APY $1,000 and up 2.52% $10,000 and upYour amount 2.63% $25,000 and up 2.73% Rate checked
More details - 2.32%APY$469 over 24 months on $10,000
1.95% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Add it Up CD Balance APY $100 and up 1.96% $1,000 and up 2.22% $10,000 and upYour amount 2.32% 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 - 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 · 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 - Community Choice Credit UnionMini Certificate of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
0.15%APY$7 over 6 months on $10,000Requirements
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 - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 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 Ames, IA
284 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 1.98%
- Top 10% from
- 4.09%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.09%
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Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch