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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 Waterloo, 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. Top Carrot, Carrot Score 89
    Empeople Credit UnionShare CertificateCD · 18 months · $500 min

    Credit union · 6 branches

    4.40%APY$667 over 18 months on $10,000
  3. Top Carrot, Carrot Score 92
    CFCCUShare CertificatesCD · 12 months · $1,000 min

    Credit union · 3 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  4. Community Choice Credit UnionCertificate of DepositCD · 8 months · $5,000 min

    Credit union · 1 branch

    4.25%APY$281 over 8 months on $10,000intro rate
  5. Veridian Credit UnionStandard CDCD · 9 months · $1,000 min

    Credit union · 9 branches

    4.25%APY$317 over 9 months on $10,000
  6. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 2 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  7. First BankCD SpecialCD · 8 months · $5,000 min

    Bank · 4 branches

    4.21%APY$279 over 8 months on $10,000
  8. First BankRaise-A-Rate CDCD · 19 months · $5,000 min

    Bank · 4 branches

    4.21%APY$675 over 19 months on $10,000
  9. Farmers State Bank11 Month CDCD · 11 months · $0 min

    Bank · 6 branches

    4.20%APY$384 over 11 months on $10,000
  10. Farmers State Bank16 Month CDCD · 16 months · $0 min

    Bank · 6 branches

    4.20%APY$564 over 16 months on $10,000
  11. Dupaco Community Credit UnionSpecial CertificatesCD · 17 months · $1,000 min · 4.20%–4.30% by balance

    Credit union · 3 branches

    4.20%APY$600 over 17 months on $10,000intro rate
  12. Green Belt Bank & TrustCD SpecialsCD · 14 months · $1,000 min

    Bank · 1 branch

    4.14%APY$485 over 14 months on $10,000
  13. Heartland Bank and Trust CompanyCertificates of DepositCD · 23 months · $5,000 min

    Bank · 1 branch

    4.10%APY$801 over 23 months on $10,000intro rate
  14. Fidelity Bank & TrustCertificate of DepositCD · 27 months · $500 min

    Bank · 3 branches

    4.10%APY$946 over 27 months on $10,000
  15. BankIowaCertificates of DepositCD · 36 months · $500 min

    Bank · 3 branches

    4.10%APY$1,281 over 36 months on $10,000intro rate

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 Waterloo, IA metro

218 CDs at 21 banks and credit unions · checked Oct 16–22

Typical
2.73%
Top 10% from
4.20%
Banks, typical
2.34%
Credit unions, typical
2.85%

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Waterloo, IA metro

Top Carrot institutions

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

  1. Collins Community Credit UnionCredit union · 1 branch
  2. CFCCUCredit union · 3 branches
  3. Empeople Credit UnionCredit union · 6 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate