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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 31–45 results in Des Moines, IA

  1. First Class Community Credit UnionShare CertificateCD · 12 months · $2,000 min

    Credit union · 1 branch

    3.28%APY$328 over 1 year on $10,000
  2. U.S. BankCD SpecialCD · 6 months · $1,000 min

    Bank · 6 branches

    3.25%APY$161 over 6 months on $10,000
  3. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 2 branches

    3.15%APY$315 over 1 year on $10,000
  4. BMOCD SpecialsCD · 59 months · $1,000 min

    Bank · 2 branches

    3.00%APY$1,564 over 59 months on $10,000
  5. West BankCertificate of DepositCD · 24 months · $1,000 min · 2.80%–3.10% by balance

    Bank · 3 branches

    2.80%APY$568 over 24 months on $10,000
  6. First Mid Bank & TrustCertificates of DepositCD · 24 months · $1,000 min

    Bank · 1 branch

    2.75%APY$558 over 24 months on $10,000
  7. Top Carrot, Carrot Score 89
    Financial Plus Credit UnionVariable Regular CertificatesCD · 60 months · $500 min

    Credit union · 3 branches

    2.13%APY$1,111 over 60 months on $10,000
  8. Top Carrot, Carrot Score 89
    Financial Plus Credit UnionVariable Education CertificateCD · 60 months · $500 min

    Credit union · 3 branches

    2.13%APY$1,111 over 60 months on $10,000
  9. Top Carrot, Carrot Score 89
    Financial Plus Credit UnionRegular CertificatesCD · 60 months · $500 min

    Credit union · 3 branches

    2.13%APY$1,111 over 60 months on $10,000
  10. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 4 branches

    1.76%APYwith conditions
  11. BankCSB182-Day CDCD · 6 months · $2,000 min

    Bank · 3 branches

    1.20%APY$60 over 6.066666666666666 months on $10,000
  12. BankCSB1 Year CDCD · 12 months · $2,000 min · 0.70%–1.20% by balance

    Bank · 3 branches

    0.70%APY$70 over 1 year on $10,000
  13. BankCSB2 Year CDCD · 24 months · $2,000 min · 0.70%–1.20% by balance

    Bank · 3 branches

    0.70%APY$140 over 24 months on $10,000
  14. BankCSB91-day CDCD · 3 months · $2,000 min · 0.60%–0.80% by balance

    Bank · 3 branches

    0.60%APY$15 over 3.033333333333333 months on $10,000
  15. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 6 branches

    0.40%APY$202 over 60 months on $10,000

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 Des Moines, IA

363 CDs at 30 banks and credit unions · checked Oct 16–22

Typical
2.00%
Top 10% from
4.08%
Banks, typical
1.68%
Credit unions, typical
3.29%

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Des Moines, IA metro

Top Carrot institutions

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

  1. Collins Community Credit UnionCredit union · 2 branches
  2. Serve Credit UnionCredit union · 2 branches
  3. Advantage Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate