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 West Des Moines, IA
- 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$420 over 1 year on $10,000
Requirements
Product: A fixed-rate investment with terms from 7 months to 3 years. Minimum deposit of $2,000 is required. Dividends are compounded quarterly. Penalty for early withdrawal. Renewals are automatic unless notified within a 10-day Grace Period. $5.00 minimum deposit to open a savings account required.
Offer: Dividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within a 10-day Grace Period. Early withdrawal penalties may be imposed.
4.14% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000intro rate
Requirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees. $500 minimum deposit to open. Compounded quarterly. Consumer accounts only.
Offer: CD Special. Special interest rate and APY offered only on a limited time basis. Compounded quarterly. Substantial penalty for early withdrawal. For consumer accounts only.
Promotional rate · 4.14% interest rate · Compounded quarterly · Effective Oct 5, 2026
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 - 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 - 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 - 4.03%APY$233 over 7 months on $10,000intro rate
Promotional rate · 4.00% interest rate · Effective Sep 30, 2026
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More details - 4.00%APY$99 over 3 months on $10,000
Requirements
Product: Term lengths ranging from 30 days to 4 years. Automatic renewal offered. Early withdrawal penalties may apply. Non-institutional funds only.
Offer: Early withdrawal penalties may apply. Non-institutional funds only.
Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Dividends calculated using Daily Balance method and compound/credit quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account required.
Offer: Dividends calculated using Daily Balance method, credit and compound quarterly. Automatic renewals unless notified within 10-day Grace Period. Early withdrawal penalties may be imposed.
Promotional rate · 3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.95%APY$496 over 15 months on $10,000
Requirements
Product: CDs are FDIC insured. Available terms from 3 months to 5 years. Interest is compounded annually or at maturity and can be deposited into an account monthly or quarterly. Early withdrawal will result in a penalty.
Offer: Special rate CD. $5,000 minimum balance required to open special rate CDs. Early withdrawal penalty may apply.
Compounded annually · Effective Sep 29, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 12 months · $1,000 min · 3.85%–4.00% by balance
Bank · 1 branch
3.85%APY$385 over 1 year on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 12 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.80% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.85% $15,000 and up 4.00% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.74%APY$154 over 5 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. APY accurate as of 08/31/26.
3.70% interest rate · Effective Aug 31, 2026
Rate checked
More details - First National BankSpecial Term CDsCD · 18 months · $10,000 min · 3.65%–3.91% by balance
Bank · 3 branches
3.65%APY$552 over 18 months on $10,000intro ratePromotional rate · 3.60% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Special Term CDs Balance APY $10,000 and upYour amount 3.65% $25,000 and up 3.91% Rate checked
More details - 3.63%APY$1,129 over 36 months on $10,000
3.60% interest rate · Effective Sep 30, 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 West Des Moines, IA
412 CDs at 31 banks and credit unions · checked Oct 16–22
- Typical
- 2.13%
- Top 10% from
- 4.19%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.32%
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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