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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 West Des Moines, IA

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

    Bank · 2 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 · 1 branch

    4.61%APY$1,067 over 27 months on $10,000with conditions
  3. Top Carrot, Carrot Score 88
    State Savings BankCertificate of DepositCD · 55 months · $2,000 min · 4.37%–4.58% by balance

    Bank · 1 branch

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

    Bank · 1 branch

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

    Bank · 2 branches

    4.50%APY$920 over 24 months on $10,000intro rate
  6. Northwest BankCertificate of Deposit (CD)CD · 26 months · $5,000 min

    Bank · 1 branch

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

    Credit union · 1 branch

    4.50%APY$1,041 over 27 months on $10,000intro rate
  8. 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
  9. Premier Credit Union7 Month CD SpecialCD · 7 months · $2,000 min

    Credit union · 1 branch

    4.45%APY$257 over 7 months on $10,000intro rate
  10. Top Carrot, Carrot Score 87
    Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 13 months · $1,000 min

    Bank · 1 branch

    4.40%APY$478 over 13 months on $10,000
  11. Greater Iowa Credit UnionSpecial Share CertificatesCD · 15 months · $1,000 min

    Credit union · 1 branch

    4.30%APY$540 over 15 months on $10,000
  12. Veridian Credit UnionStandard CDCD · 9 months · $1,000 min

    Credit union · 2 branches

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

    Bank · 1 branch

    4.25%APY$389 over 11 months on $10,000with conditions
  14. Top Carrot, Carrot Score 91
    Marine Credit UnionCertificate SpecialCD · 13 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate
  15. Top Carrot, Carrot Score 87
    Central State BankCertificates of DepositCD · 15 months · $1,500 min

    Bank · 1 branch

    4.25%APY$534 over 15 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 West Des Moines, IA

412 CDs at 31 banks and credit unions · checked Oct 16–22

Typical
2.13%
Top 10% from
4.19%
Banks, typical
2.00%
Credit unions, typical
3.32%

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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