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 1–11 results in Spencer, IA metro
- 7.30%APY$198 over 3.333333 months on $10,000intro rate
Requirements
Product: Special 100-day certificate created in honor of 100th Anniversary. Balance of $5,000 required; no additional deposits or withdrawals permitted during term. Early withdrawal results in loss of all dividends. Renews to a 3-month certificate at then-current rate. New money required (not currently on deposit, or moved away for at least 21 days). Limit one account per household. Membership eligibility required.
Offer: Fixed rate for 100-day term. Balance of $5,000 required; no additional deposits or withdrawals permitted during term. Early withdrawal results in loss of all dividends. Automatically renews to a 3-month certificate. New money required. Limit one account per household. Membership eligibility required.
Promotional rate · Effective Oct 1, 2026
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More details - 4.50%APY$1,001 over 26 months on $10,000with conditions
Requirements
Product: Our Pick-A-Term CD allows choosing the maturity date. Earn an additional 0.10% on any new Pick-A-Term or Special Rate CD with a qualifying Northwest Bank checking account. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: With qualifying Northwest Bank checking account (Northwest Bank Compass Rewards, Compass Relationship, Compass Digital, Compass Cash, Compass Free, or Private Banking checking account is required for personal CD/ IRAs; $10 minimum to open).
Qualified rate · 4.50% interest rate · Effective Oct 12, 2026
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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 - 4.05%APYintro rate
Requirements
Product: Lock in savings with Certificate of Deposit Special. Pick term 7 - 13 Month with $10,000 minimum balance.
Offer: $10,000 minimum balance. Pick term 7 - 13 Month. Note: Table text displays 405.00% APY due to formatting/misprint, corresponding to 4.05% APY.
Promotional rate · Effective Oct 1, 2026
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More details - Community State BankCertificate of DepositCD · 30 months · $1,000 min · 2.00%–4.04% by balance
Bank · 2 branches
4.04%APY$1,041 over 30 months on $10,000Requirements
Product: Fixed rate for entirety of term. Early withdrawal subject to penalty. Multiple reinvestment and cash-out options when term expires.
Offer: Minimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty.
Effective Jul 31, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and up 2.00% $10,000 and upYour amountMinimum deposit of $10,000 to obtain APY. 4.04% Rate checked
More details - 4.00%APY
3.94% interest rate · Effective Sep 29, 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
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More details - 2.10%APY$424 over 24 months on $10,000
Requirements
Product: Additions of $50 or more are allowed. Early withdrawal penalties may apply. APY assumes interest remains on deposit.
Offer: Additions of $50 or more are allowed.
2.10% interest rate · Effective Oct 12, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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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 Spencer, IA metro
48 CDs at 6 banks and credit unions · checked Oct 6–16
- Typical
- 2.73%
- Top 10% from
- 4.08%
- Banks, typical
- 2.66%
- Credit unions, typical
- 5.68%
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Spencer, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Telco Triad Community Credit UnionCredit union · 1 branch