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 181–195 results in Iowa
- 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$661 over 24 months on $10,000intro rate
Requirements
Product: $1,000 Minimum Deposit. Interest compounded and credited semi-annually. Rate may be bumped once during term; bump must occur after first 6 months. Not available on public funds.
Offer: Interest compounded and credited semi-annually. Rate may be bumped once during term after first 6 months.
Promotional rate · 3.22% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.25%APY$1,365 over 48 months on $10,000
Requirements
Product: $1,000 Minimum Deposit. Interest compounded and credited semi-annually. Withdrawal without penalty allowed once per calendar year up to 10% of the current balance. Not available on public funds, IRA, or HSA Accounts.
Offer: Interest compounded and credited semi-annually. Penalty-free withdrawal allowed once per calendar year up to 10% of balance.
3.22% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Offer: A significant fee may be imposed for early withdrawal. Fees will reduce earnings.
3.25% interest rate · Effective Apr 22, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Union State BankCertificate of DepositCD · 60 months · $500 min · 1.61%–3.63% by balance
Bank · 3 branches
3.22%APY$1,717 over 60 months on $10,000Requirements
Product: $500 minimum deposit to open all other certificate of deposit.
1.60% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 1.61% $2,500 and upGO Club members 3.22% $10,000 and upYour amount 3.22% $25,000 and up 3.32% $50,000 and up 3.63% Rate checked
More details - 3.18%APY$238 over 9 months on $10,000
3.17% interest rate · Balance cap $25,000 · Effective Mar 1, 2023
Rate checked
More details - 3.15%APY$183 over 7 months on $10,000with conditions
Requirements
Product: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Institutional/business funds not eligible.
Offer: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 3.15% APY. Institutional/business funds not eligible.
Qualified rate · 3.12% interest rate · Effective Feb 12, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - 3.03%APY$303 over 1 year on $10,000intro rate
Requirements
Product: All deposits are FDIC insured. There may be a penalty imposed for an early withdrawal, which may reduce the principal balance.
Promotional rate · 3.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.03%APY$303 over 1 year on $10,000
Requirements
Product: Account automatically renews upon maturity with a 10 business day grace period. No deposits permitted after account is opened. Penalty for early withdrawal may apply (including loss of principal). Interest compounded and credited quarterly.
Offer: Early withdrawal penalty: 3 months interest.
3.00% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.02%APY$1,604 over 60 months 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.
3.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - Gas & Electric Employees Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.00%APY$300 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit for regular term shares; $25,000 minimum deposit for special rate term shares. 3–11 month products paid monthly, others paid quarterly. Rates subject to change.
Offer: $1,000 minimum deposit; quarterly payment schedule.
2.96% interest rate
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Early withdrawal may result in penalties and may affect APY.
Offer: Requires $1,000 minimum. Early withdrawal may result in penalties and may affect APY.
3.00% interest rate · Effective Jan 20, 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 Iowa
1,492 CDs at 165 banks and credit unions · checked Oct 16–23
- Typical
- 2.94%
- Top 10% from
- 4.14%
- Banks, typical
- 2.78%
- Credit unions, typical
- 3.00%
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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