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 Council Bluffs, IA
- 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 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 - Cobalt Credit UnionCertificateCD · 6 months · $1,000 min · 4.10%–4.20% by balance
Credit union · 1 branch
4.10%APY$203 over 6 months on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.
Qualified rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 4.10% $100,000 and up 4.20% Rate checked
More details - 4.10%APY$550 over 16 months on $10,000
Requirements
Product: Rates are fixed for the term of the account and subject to change daily. Penalty for early withdrawal. Insured by NCUA up to $250,000.
Offer: Rates, terms and accounts are for members only. Dividends are compounded and paid last calendar day of month and on maturity.
4.03% interest rate
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.
Offer: Compounded monthly. Early withdrawal penalty applies.
3.83% interest rate · Compounded monthly
Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 1 branch
3.35%APY$335 over 1 year on $10,000Requirements
Product: Allows additional deposits during the term. 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: Tier 1
Effective Sep 25, 2026
Rate by balance
Rate by balance for Add-On CD Balance APY Up to $49 0.10% Up to $499Tier 2 3.00% $500 and upYour amountTier 3 3.35% 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$188 over 7 months on $10,000
Requirements
Product: Federally insured by NCUA. Minimum opening deposit of $500.00. Early withdrawal penalties and fees may reduce earnings.
3.20% interest rate · Effective Sep 1, 2026
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 - North Western EmployeesShare CertificatesCD · 48 months · $1,000 min · 3.03%–3.14% by balance
Credit union · 1 branch
3.14%APY$1,316 over 48 months on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalty applies. Dividends can accrue back to the certificate, transfer to another account, or be issued by check.
3.00% interest rate · Compounded quarterly · Effective Sep 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.03% $10,000 and upYour amount 3.14% Rate checked
More details - Cobalt Credit UnionBump Up Share CertificateCD · 36 months · $1,000 min · 2.90%–3.00% by balance
Credit union · 1 branch
2.90%APY$895 over 36 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty applies. Minimum opening deposit $1,000.
Offer: Compounded quarterly. Early withdrawal penalty applies.
2.87% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Bump Up Share Certificate Balance APY $1,000 – $100,000Your amount 2.90% $100,000 and up 3.00% Rate checked
More details - U.P Connection Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
2.00%APY$100 over 6 months on $10,000Requirements
Product: Minimum deposit $500.00 – dividends compounded monthly (except 3 month)
Offer: Dividends compounded monthly
1.98% interest rate · Compounded monthly · Effective Jan 15, 2025
Rate checked
More details - U.P Connection Federal Credit UnionStep-Up CertificatesCD · 36 months · $500 min
Credit union · 1 branch
1.39%APY$423 over 36 months on $10,000intro rateRequirements
Product: Minimum deposit $500.00 – dividends compounded monthly. Step-up certificates allow the owner a one time step-up to a higher rate (only available on 36 & 60 month terms).
Offer: Dividends compounded monthly; allows a one time step-up to a higher rate
Promotional rate · 1.38% interest rate · Compounded monthly · Effective Jan 15, 2025
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Unlimited additional deposits allowed anytime.
Offer: 12 month term with add-on feature. Unlimited additional deposits allowed.
1.00% interest rate · Effective Oct 15, 2026
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
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 Council Bluffs, IA
167 CDs at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.50%
- Top 10% from
- 3.27%
- Banks, typical
- 0.04%
- Credit unions, typical
- 2.90%
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Omaha, NE-IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 1 branch
- PenFed Credit UnionCredit union · 3 branches
- Metro Credit UnionCredit union · 5 branches