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 61–75 results in Iowa
- Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance
Credit union · 18 branches
4.20%APY$600 over 17 months on $10,000intro rateRequirements
Product: Dividends compounded and credited semi-annually. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
Offer: Fixed Certificate Special. Minimum amount required to open is $1,000.
Promotional rate · 4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Special Certificates Balance APY $1,000 and upYour amount 4.20% $100,000 and upFixed Jumbo Certificate Special. Minimum amount required to open is $100,000. 4.30% Rate checked
More details - 4.20%APY$820 over 23 months on $10,000
Requirements
Product: Special Share Certificates require a $5,000 minimum deposit. 3-11 month products paid monthly, others paid quarterly.
Offer: Dividends paid quarterly.
4.13% interest rate
Rate checked
More details - 4.20%APY$895 over 25 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
Promotional rate · 4.16% interest rate
Rate checked
More details - Lennox Employees Credit UnionShare CertificatesCD · 18 months · $500 min · 3.80%–4.58% by balance
Credit union · 1 branch
4.16%APY$630 over 18 months on $10,000Requirements
Product: Share certificates have a penalty for early withdrawal.
Offer: SPECIAL RATE
3.75% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $9,999 3.80% $10,000 – $99,999Your amount 4.16% $100,000 and up 4.58% Rate checked
More details - 4.15%APY$275 over 8 months on $10,000
Requirements
Product: Penalty for early withdrawal on Time Certificates. Fees may reduce earnings. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
Offer: Compounding & Crediting Frequency: at maturity.
4.15% interest rate · Effective Oct 13, 2026
Rate checked
More details - Community 1st Credit Union13-Month Certificate Account SpecialCD · 13 months · $1,000 min
Credit union · 23 branches
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Limited-time offer. A penalty may be imposed for early withdrawal. Subject to change and may end at any time without notice.
Offer: Limited-time special celebrating 90 years of C1st. Early withdrawal penalty may apply.
Promotional rate · 4.09% interest rate · Effective Sep 14, 2026
Rate checked
More details - 4.15%APY$593 over 17 months on $10,000intro rate
Requirements
Product: Membership Savings account is required to obtain Corda Credit Union products. Minimum $1,000 to open. Interest compounded quarterly. Penalty for early withdrawal on up-to-36-month certificates of deposit is 180 days loss of interest on the amount withdrawn.
Offer: CD special available only for a limited time. Interest compounded quarterly. Membership Savings account required.
Promotional rate · Compounded quarterly · Effective Oct 1, 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 - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: FDIC insured up to $250,000. Substantial penalties for early withdrawals on all CDs.
Offer: Compounded semi-annually. Substantial penalty for early withdrawal.
4.11% interest rate
Rate checked
More details - 4.15%APY$958 over 27 months on $10,000intro rate
Requirements
Product: Existing CD renewals not subject to the special rates at maturity unless specifically requested at maturity. Interest is compounded and paid quarterly. Penalty for early withdraw may apply including loss of principal.
Offer: Existing CD renewals not subject to special rates at maturity unless specifically requested. Compounded and paid quarterly. Penalty for early withdrawal may apply.
Promotional rate · 4.09% interest rate · Effective Oct 3, 2026
Rate checked
More details - Grinnell State BankCertificates of DepositCD · 33 months · $1,000 min · 4.15%–4.25% by balance
Bank · 4 branches
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 - FreedomBankCertificate of DepositCD · 12 months · $1,000 min · 4.14%–4.30% by balance
Bank · 4 branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
4.10% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 4.14% $25,000 – $100,000 4.14% $100,000 and up 4.30% Rate checked
More details - 4.14%APY$485 over 14 months on $10,000
Requirements
Product: Penalty for early withdrawal. Additions permitted up to original amount.
Offer: Additions permitted up to original amount. Penalty for early withdrawal.
Rate checked
More details - 4.14%APY$485 over 14 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Opening deposit requirement $500.
Offer: Early withdrawal penalty may apply.
4.08% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.14%APY$627 over 18 months on $10,000
Requirements
Product: Option during the first term (18 month term to 60 month term) to exchange interest rate for a new rate offering on any other time deposit of equal term to maturity at no cost; maturity date remains the same; exchange option exercisable once during each maturity. Subject to penalty for early withdrawal on Certificate of Deposits.
Offer: Minimum balance to open and obtain APY is $1,000.
4.10% interest rate · Effective Aug 26, 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 16–22
- 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