Skip to content

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.

Term
Location

Top CD rates

Showing 1–15 results in Des Moines, IA metro

  1. Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min

    Bank · 3 branches

    4.75%APY$2,612 over 60 months on $10,000
  2. Union State Bank27 Month CD SpecialCD · 27 months · $10,000 min

    Bank · 3 branches

    4.61%APY$1,067 over 27 months on $10,000with conditions
  3. Top Carrot, Carrot Score 95
    Serve Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 4.60%–4.80% by balance

    Credit union · 2 branches

    4.60%APY$2,522 over 60 months on $10,000
  4. Top Carrot, Carrot Score 88
    State Savings BankCertificate of DepositCD · 55 months · $2,000 min · 4.37%–4.58% by balance

    Bank · 2 branches

    4.58%APY$2,278 over 55 months on $10,000
  5. Fidelity BankCD Special OffersCD · 20 months · $5,000 min

    Bank · 1 branch

    4.50%APY$761 over 20 months on $10,000intro rate
  6. Midwest HeritageCertificates of DepositCD · 24 months · $1,000 min

    Bank · 6 branches

    4.50%APY$920 over 24 months on $10,000intro rate
  7. Farmers & Merchants State Bank24 Month CDCD · 24 months · $1,000 min

    Bank · 3 branches

    4.50%APY$920 over 24 months on $10,000
  8. Charter BankCertificate of DepositCD · 25 months · $1,000 min · 4.25%–4.50% by balance

    Bank · 4 branches

    4.50%APY$960 over 25 months on $10,000
  9. Northwest BankCertificate of Deposit (CD)CD · 26 months · $5,000 min

    Bank · 3 branches

    4.50%APY$1,001 over 26 months on $10,000with conditions
  10. Top Carrot, Carrot Score 92
    Luana Savings BankCertificate of Deposit (CD)CD · 26 months · $2,000 min

    Bank · 3 branches

    4.50%APY$1,001 over 26 months on $10,000
  11. Top Carrot, Carrot Score 89
    Financial Plus Credit UnionCertificate SpecialsCD · 27 months · $10,000 min

    Credit union · 4 branches

    4.50%APY$1,041 over 27 months on $10,000intro rate
  12. Farmers & Merchants State Bank36 Month CDCD · 36 months · $1,000 min · 4.00%–4.50% by balance

    Bank · 3 branches

    4.50%APY$1,412 over 36 months on $10,000
  13. Farmers & Merchants State Bank48 Month CDCD · 48 months · $1,000 min · 4.00%–4.50% by balance

    Bank · 3 branches

    4.50%APY$1,925 over 48 months on $10,000
  14. Top Carrot, Carrot Score 91
    Marine Credit UnionCertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    4.50%APY$2,462 over 60 months on $10,000
  15. Farmers & Merchants State Bank60 Month CDCD · 60 months · $1,000 min · 4.00%–4.50% by balance

    Bank · 3 branches

    4.50%APY$2,462 over 60 months on $10,000

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 Des Moines, IA metro

636 CDs at 59 banks and credit unions · checked Oct 16–22

Typical
2.75%
Top 10% from
4.20%
Banks, typical
2.29%
Credit unions, typical
3.25%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Des Moines, IA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Collins Community Credit UnionCredit union · 2 branches
  2. Serve Credit UnionCredit union · 2 branches
  3. Advantage Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate