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 Johnston, IA
- Charter BankCertificate of DepositCD · 25 months · $1,000 min · 4.25%–4.50% by balance
Bank · 1 branch
4.50%APY$960 over 25 months on $10,000Requirements
Product: Penalties may be imposed for early withdrawal. Interest compounds quarterly. Call for quote on CDs larger than $250,000.
4.18% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $9,999 4.25% $10,000 – $250,000Your amount 4.50% 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 - Community Choice Credit UnionCertificate of DepositCD · 8 months · $5,000 min
Credit union · 1 branch
4.25%APY$281 over 8 months on $10,000intro rateRequirements
Product: Penalties may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Must deposit $5K from a different institution or have direct deposit with Community Choice.
Promotional rate · 4.18% interest rate · Effective Sep 24, 2024
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
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000
Requirements
Product: Terms range from 3 to 60 months with minimum opening deposit of $500. Early withdrawal may result in penalties and reduce earnings.
Offer: 17-Month CD Special. Minimum balance to open is $5,000.00 and above. Interest rate and APY will not change for the term of the account.
4.11% interest rate · Effective Oct 5, 2026
Rate checked
More details - Grinnell State BankCertificates of DepositCD · 33 months · $1,000 min · 4.15%–4.25% by balance
Bank · 1 branch
4.15%APY$1,183 over 33 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed. Fees could reduce earnings. Funds accepted for deposit are required to be in-state or funds held within the State of Iowa. Maximum of $250,000 for non-personal (entity) depositor.
Offer: 33 month with One Time Bump. Variable interest rate and APY may change after account opening if customer exercises bump option to match standard 36-month CD rate (limit one adjustment during term; requires branch visit).
4.09% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 4.15% $15,000 and up 4.25% $50,000 and up 4.25% Rate checked
More details - 4.02%APY$334 over 10 months on $10,000intro rate
Requirements
Product: CD Special not eligible for bump-up rates; add-on is a minimum of $1,000 or more. Early withdrawal penalties may apply.
Promotional rate
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 - 3.00%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 - 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 - 1.20%APY$60 over 6.066666666666666 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Offer: Early withdrawal penalties may apply.
Effective Jan 13, 2025
Rate checked
More details - 0.70%APY$70 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 1 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.70%APY$140 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply.
Rate by balance
Rate by balance for 2 Year CD Balance APY $2,000 – $24,999Your amount 0.70% $25,000 – $99,999 0.80% $100,000 and up 1.20% Rate checked
More details - 0.60%APY$15 over 3.033333333333333 months on $10,000
Requirements
Product: Bump-up bonus rate for qualified accounts. Consumers will auto-renew at a regular 91-day CD; businesses are single maturity. Early termination penalties apply (3 months interest). No Financial Institutions.
Rate by balance
Rate by balance for 91-day CD Balance APY $2,000 – $24,999Your amount 0.60% $25,000 – $99,999 0.70% $100,000 and up 0.80% 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 Johnston, IA
107 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 2.12%
- Top 10% from
- 4.15%
- Banks, typical
- 2.07%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Des Moines, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch