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 121–135 results in Iowa
- 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Public funds are not eligible. Minimum deposit of $2,500 to open. Daily balance method applies. If term is greater than 6 months, interest compounds and credits quarterly; for 6 months or less, interest compounds and credits at maturity. Early withdrawal penalty applies (equal to 365 days of interest). Renews automatically for a term of 12 months at a new rate.
Offer: Public funds are not eligible. Interest is compounded and credited quarterly and at maturity. Renews automatically for a 12-month term at a new rate. Early withdrawal penalty applies.
3.95% interest rate · Effective Jun 24, 2026
Rate checked
More details - Peoples BankCertificates of Deposit (CDs)CD · 15 months · $1,000 min · 4.00%–4.10% by balance
Bank · 8 branches
4.00%APY$502 over 15 months on $10,0003.95% interest rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 4.00% $100,000 and up 4.10% 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 - 3.94%APY$428 over 13 months on $10,000
Requirements
Product: Maturities available from 91 days to 5 years. Automatic renewal options available. Opening deposit requirements vary. Early withdrawals may be subject to penalty.
Offer: Not eligible for Broker or Institutional Funds. Automatically renews to a 1-year certificate at maturity at the renewal interest rate then offered on a 1-year certificate. Interest compounded and credited every 6 months. Minimum opening deposit $1,000 (for account holders aged 18 or younger, minimum opening deposit is $100.00). Early withdrawal penalty applies.
3.90% interest rate · Effective Sep 1, 2026
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More details - 3.92%APY$194 over 6 months on $10,000
Requirements
Product: $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
Offer: Dividend frequency: Monthly.
3.85% interest rate · Effective Mar 23, 2026
Rate checked
More details - Members Community Credit UnionCertificate of Deposit / Share CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Minimum deposit is $1,000; for minor primary owners it's $250. Automatic renewal. Early withdrawal fee applies.
Offer: Automatic renewal; not applicable to IRAs; minimum deposit is $250 for minor primary owners.
3.84% interest rate
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.
Offer: Compounded monthly. Early withdrawal penalty applies.
3.83% interest rate · Compounded monthly
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More details - 3.87%APY$420 over 13 months on $10,000
3.80% interest rate · Effective Sep 14, 2026
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More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Offer: Compounded quarterly
3.80% interest rate · Compounded quarterly · Effective Sep 16, 2026
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More details - 3.85%APY$352 over 11 months on $10,000intro rate
Requirements
Product: Minimum opening deposit to obtain APY is $5,000. CD will roll into a 6 month CD at maturity. Early withdrawal penalty may apply. Offer available for a limited time.
Offer: Minimum opening deposit to obtain APY is $5,000. CD will roll into a 6 month CD at maturity. Early withdrawal penalty may apply. Offer available for a limited time.
Promotional rate · Effective Aug 26, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 12 months · $1,000 min · 3.85%–4.00% by balance
Bank · 9 branches
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 - Vision Bank of Iowa.VisionBank Certificate of Deposit (CD) SpecialCD · 9 months · $5,000 min
Bank · 13 branches
3.80%APY$284 over 9 months on $10,000intro rateRequirements
Product: Special rate limited to $250,000 per individual. Interest rates are not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Offer: APY calculation based on interest compounding annually or at maturity. Special rate limited to $250,000 per individual. Not applicable to Public Funds, Institutional, or Out of State depositors without a primary checking relationship.
Promotional rate · 3.78% interest rate · Balance cap $250,000 · Effective Sep 17, 2026
Rate checked
More details - 3.80%APY$1,609 over 48 months on $10,000
Requirements
Product: NCUA insured. Rates and APYs subject to change monthly as determined by the Credit Union Board of Directors. Early withdrawal penalties apply.
3.75% interest rate
Rate checked
More details - 3.79%APY$188 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. No setup or maintenance fees.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Sep 18, 2026
Rate checked
More details - Farmers & Merchants State Bank6 Month CDCD · 6 months · $1,000 min · 3.68%–3.89% by balance
Bank · 5 branches
3.79%APY$188 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 6 Month CD Balance APY $1,000 and up 3.68% $10,000 and upYour amount 3.79% $100,000 and up 3.89% 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%
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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