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 Cedar Falls, IA
- 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 - 4.40%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 - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
Offer: Limited Time Special
Promotional rate · 4.23% interest rate · Compounded quarterly · Effective Oct 1, 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
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More details - 4.21%APY$279 over 8 months on $10,000
Requirements
Product: Available in First Bank service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. Substantial penalty for early withdrawal.
4.16% interest rate · Effective Oct 8, 2026
Rate checked
More details - 4.21%APY$675 over 19 months on $10,000
Requirements
Product: Available in First Bank service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. Substantial penalty for early withdrawal.
4.16% interest rate · Effective Oct 8, 2026
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More details - 4.20%APY$384 over 11 months on $10,000
Requirements
Product: Early withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01.
Offer: Early withdrawal penalty equal to CD term. Interest compounds every 3 months. Minimum balance to earn stated APY is $0.01.
4.13% interest rate
Rate checked
More details - 4.20%APY$564 over 16 months on $10,000
Requirements
Product: Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01.
Offer: Early withdrawal penalty equal to 12 months interest. Interest compounds every 6 months. Minimum balance to earn stated APY is $0.01.
4.15% interest rate
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 - 4.10%APY$1,281 over 36 months on $10,000intro rate
Requirements
Product: Flexible Terms: 3 to 60 months. Interest Payment Options: Compounding or Direct Deposit. One-Way UP Certificate of Deposit: Opportunity to increase interest rates with a one-time option, with additional deposits of $500 or more allowed at time of rate change.
Offer: 36 month CD Special One Way. Opportunity to increase interest rate with a one-time option. Additional deposits of $500 or more allowed at the time of rate change. Maturity date remains unchanged. New rate effective until initial term expires. Penalty for early withdrawal on 12-up-to-36-month CDs is 12 months loss of interest on the principal withdrawn.
Promotional rate · 4.06% interest rate · Effective Sep 21, 2026
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More details - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity and withdrawals reduce earnings.
3.99% interest rate · Effective Sep 16, 2026
Rate checked
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
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More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.
Offer: Public funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies.
3.95% interest rate · Effective Jun 24, 2026
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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
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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 Cedar Falls, IA
161 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 2.90%
- Top 10% from
- 4.21%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.38%
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Find your bank or credit union to see all its rates and how they compare near you.
Waterloo, 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
- CFCCUCredit union · 3 branches
- Empeople Credit UnionCredit union · 6 branches