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 136–150 results in Iowa
- 3.79%APY$379 over 1 year on $10,000
Requirements
Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.
Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.
3.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.78%APY$187 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty may reduce principal: 3 months interest penalty for terms 91 days to 12 months, 6 months interest penalty for terms 18 months to 36 months, and 12 months interest penalty for 60 months.
Offer: 182 Day term. Early withdrawal penalty: 3 months interest penalty.
3.75% interest rate · Effective Nov 7, 2025
Rate by balance
Rate by balance for Time Certificate Balance APY $1,000 – $20,000Your amount 3.78% $20,000 – $100,000 3.78% $100,000 and up 3.89% Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
3.70% interest rate · Effective Sep 14, 2026
Rate checked
More details - Farmers & Merchants State Bank18 Month CDCD · 18 months · $1,000 min · 3.56%–4.06% by balance
Bank · 5 branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.55% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 18 Month CD Balance APY $1,000 and up 3.56% $10,000 and upYour amount 3.76% $100,000 and up 4.06% 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 - 3.75%APY$248 over 8 months on $10,000
Requirements
Product: $500 minimum deposit; rates subject to change at renewal; compounded daily unless otherwise indicated and paid monthly, quarterly, semi-annually or annually; automatic renewal after 10-day grace period unless otherwise noted; early withdrawal penalty applies.
Offer: Simple interest; interest paid at maturity; auto-renews into 9 Month Certificate.
3.73% interest rate · Compounded daily · Effective Jul 17, 2024
Rate checked
More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: FDIC insured fixed-rate deposit account. No maintenance fees. Early withdrawal penalties apply. Automatic renewal at maturity with a 10-calendar-day grace period to redeem.
Offer: Must maintain a balance equal to the original opening deposit of $10,000 to earn disclosed interest rate and APY. Monthly compounding and crediting. Penalty may be imposed for early withdrawal. Auto-renews for 9 months at the 6-month CD rate at time of renewal.
3.69% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: $1,000 Minimum Deposit. Interest compounded and credited semi-annually. Allows adding money (one deposit allowed per calendar year, minimum deposit $1,000). Not available on public funds, IRA, or HSA Accounts.
Offer: Interest compounded and credited semi-annually. One deposit allowed per calendar year (minimum deposit $1,000).
3.72% interest rate · Effective Sep 29, 2026
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 - 3.74%APY$185 over 6 months on $10,000
Requirements
Product: Dividends are paid Quarterly on all CDs. Minimum deposit of $500.
Offer: Dividends paid quarterly.
3.69% interest rate · Effective Sep 5, 2025
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Penalty on early withdrawal may apply on CD's. Financial Institution reserves the right to limit deposits. Fees may reduce earnings. APY is accurate as of 10/5/2026. Rates are subject to change without notice.
Offer: Interest paid quarterly. Early withdrawal penalty: 6 months.
3.65% interest rate · Effective Oct 5, 2026
Rate checked
More details - Reliance State BankCertificates of DepositCD · 12 months · $2,500 min · 3.58%–3.84% by balance
Bank · 2 branches
3.68%APY$368 over 1 year on $10,0003.55% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and up 3.58% $10,000 and upYour amount 3.68% $25,000 and up 3.84% Rate checked
More details - 3.67%APY$182 over 6 months on $10,000
Requirements
Product: Available to individuals, businesses, organizations, and corporations. Early withdrawal penalties may apply. Rates may change without notice and at any time.
Offer: Compounding frequency: At Maturity. Term: 182 Days.
3.64% interest rate · Effective Sep 23, 2026
Rate checked
More details - Farmers & Merchants State Bank12 Month CDCD · 12 months · $1,000 min · 3.50%–3.95% by balance
Bank · 5 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.50% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 12 Month CD Balance APY $1,000 and up 3.50% $10,000 and upYour amount 3.65% $100,000 and up 3.95% Rate checked
More details - First National BankSpecial Term CDsCD · 18 months · $10,000 min · 3.65%–3.91% by balance
Bank · 9 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
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 Iowa
1,492 CDs at 165 banks and credit unions · checked Oct 16–22
- Typical
- 2.94%
- Top 10% from
- 4.14%
- Banks, typical
- 2.78%
- 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.
Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch