Iowa Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Iowa CD rates include Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA 50613 2831A+5.0 ★Texas Ratio: 3.61%Real return: +1.50%APY minus CPI (February 2026) offering JUMBO Certificates 18 months at 4.30% APY, Vibrant Credit UnionVibrant Credit Union3230 Ridge Pt, Bettendorf, IA 52722A5.0 ★Texas Ratio: 13.71%Real return: +1.45%APY minus CPI (February 2026) offering 6-month cd at 4.25% APY, Exchange State Bank Ames, IAExchange State Bank Ames, IA823 Wheeler St, Ames, IA 50010A5.0 ★Texas Ratio: 7.82%Real return: +1.45%APY minus CPI (February 2026) offering 48 Months at 4.25% APY, Capra BankCapra Bank955 Washington St, Dubuque, IA 52001A+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month Bump-Up CD at 4.25% APY, and SSB West Des Moines, IASSB West Des Moines, IA4800 George Mills Civic Pkwy, West Des Moines, IA 50265A5.0 ★Texas Ratio: 9.50%Real return: +1.42%APY minus CPI (February 2026) offering 24 Month CD at 4.22% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Iowa side-by-side. Iowa CD rates currently reach as high as 4.30% APY from Cedar Falls Community Credit Union at 123 W 4th St, Cedar Falls, IA 50613 2831. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026
Compare Best CD Rates in Iowa
Iowa 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
Youth Certificates 3 Month Add-On
$100
4.00%
▲ 2.01% above national avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 2.01% above avg
Details
Only available for members under age 18. Member may add to certificate balance at any time.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
3 Month
$100,000
3.80%
▲ 1.81% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.81% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month CD - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.81% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
3 Month Certificate
$0
3.80%
▲ 1.81% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.81% above avg
Details
Interest Paid: At Maturity
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
3 month CD Special
$0
3.75%
▲ 1.76% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.76% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month CD - Loyalty Program Gold Tier
$0
3.70%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.71% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
3 Month
$2,000
3.65%
▲ 1.66% above national avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.66% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
3 Month CD
$1,000
3.65%
▲ 1.66% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 1.66% above avg
Details
Interest Compounded and Credited: At Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month CD - Loyalty Program Silver Tier
$0
3.60%
▲ 1.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.61% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
3 Month Certificate
$1,000
3.55%
▲ 1.56% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.56% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month CD - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
501 Linn St, Slater, IA 50244
3-Month CD
$1,000
3.40%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.41% above avg
Details
APY = Annual Percentage Yield; Early withdrawal penalties may apply. Non-institutional funds only. Rate current as of 12/11/25.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
453 7th St, Des Moines, IA 50309
3 Month CD
$0
3.29%
▲ 1.30% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.30% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
3 Month CD
$25,000
3.29%
▲ 1.30% above national avg
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 1.30% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$100,000
3.14%
▲ 1.15% above national avg
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.15% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
3 Month Certificate
$500
3.10%
▲ 1.11% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.11% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$1,000
3.03%
▲ 1.04% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.04% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
3 Month CD
$10,000
3.03%
▲ 1.04% above national avg
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 1.04% above avg
Details
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
322 Main Ave, Clear Lake, IA 50428
3 Month Certificate
$1,000
3.00%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.01% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
2.65%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.66% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
3 Month Certificate
$1,000
2.37%
▲ 0.38% above national avg
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.38% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month CD
$50,000
2.27%
▲ 0.28% above national avg
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.28% above avg
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
3 Months
$500
2.27%
▲ 0.28% above national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.28% above avg
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA 50613 5022
3-Month Certificate
$0
2.25%
▲ 0.26% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.26% above avg
Details
Open online
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month CD
$15,000
2.17%
▲ 0.18% above national avg
▼
Rate2.15%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.18% above avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
2.14%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.15% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
3 Month CD
$1,000
2.07%
▲ 0.08% above national avg
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.08% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day CD
$50,000
2.07%
▲ 0.08% above national avg
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.08% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day CD
$15,000
2.05%
▲ 0.06% above national avg
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.06% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
30-90 Day CD
$2,500
2.03%
▲ 0.04% above national avg
▼
Rate2.01%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.04% above avg
Details
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
3-Months
$0
2.00%
▲ 0.01% above national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.01% above avg
Details
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
219 Main St, Sanborn, IA 51248
90 Day CD
$0
1.81%
▼ 0.18% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.18% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
1.64%
▼ 0.35% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.35% below avg
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
3 Month Certificate
$0
1.56%
▼ 0.43% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.43% below avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
3 Month Certificate
$10,000
1.50%
▼ 0.49% below national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 0.49% below avg
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
121 S Marion Ave, Washington, IA 52353
3 Month Certificate
$0
1.41%
▼ 0.58% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.58% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
1.38%
▼ 0.61% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.61% below avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
3 Month Certificate
$1,000
1.25%
▼ 0.74% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 0.74% below avg
Details
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
716 8th St, Boone, IA 50036
Certificates of Deposits (CD) - 3 Months
$0
1.13%
▼ 0.86% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.86% below avg
Details
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
701 W Sheridan Ave, Shenandoah, IA 51601
3 Month Certificate
$500
1.01%
▼ 0.98% below national avg
▼
Rate1.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 0.98% below avg
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2625 Nw Arterial, Dubuque, IA 52002
3 month term
$1,000
1.00%
▼ 0.99% below national avg
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.99% below avg
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
201 Washington St, Victor, IA 52347
3 Month Certificate
$0
0.85%
▼ 1.14% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.14% below avg
Details
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
Legacy IRA CDs - 3 months
$0
0.85%
▼ 1.14% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.14% below avg
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
201 Washington St, Victor, IA 52347
3 Month Certificate
$0
0.75%
▼ 1.24% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.24% below avg
Details
South Ottumwa SB
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
320 Church St, Ottumwa, IA 52501
3 MONTH CD
$500
0.75%
▼ 1.24% below national avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.24% below avg
Details
Peoples Credit Union Webster City, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
310 1st ST, Webster City, IA 50595 2337
3 Month Certificate
$0
0.60%
▼ 1.39% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.39% below avg
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1240 8th Ave, Marion, IA 52302
3 Month Certificate
$1,000
0.35%
▼ 1.64% below national avg
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.64% below avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
3 Month Certificate
$500
0.25%
▼ 1.74% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.74% below avg
Details
VISIT OUR BRANCH TO OPEN
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
3-month CD
$500
0.25%
▼ 1.74% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.74% below avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
3 Months - Diamond
$0
0.25%
▼ 1.74% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.74% below avg
Details
Diamond APY 1,4
Iowa 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3230 Ridge Pt, Bettendorf, IA 52722
6-month cd
$5
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures.
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3230 Ridge Pt, Bettendorf, IA 52722
6-Month CD Special
$0
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 6 months
$100,000
4.25%
▲ 1.58% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.58% above avg
Details
Limited Time Special
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
6 Month Certificate
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.48% above avg
Details
Limited Time Special
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$100,000
4.11%
▲ 1.44% above national avg
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.44% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month
$100,000
4.09%
▲ 1.42% above national avg
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.42% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 6 months
$0
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.40% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Months
$100,000
4.05%
▲ 1.38% above national avg
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
Member Loyalty APY: 4.20%
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
6 Month Certificate Special
$1,500
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.37% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
6 Month Certificate
$5,000
4.01%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.34% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 6-month
$250
4.01%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.34% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$1,000
4.01%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.34% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
6 Month Certificate
$10,000
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.33% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Months
$1,000
3.95%
▲ 1.28% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Member Loyalty APY: 4.10%
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
6 Month
$2,000
3.94%
▲ 1.27% above national avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.27% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
6 Month IRA Certificate
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.23% above avg
Details
Not applicable to IRAs
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
6 Month Certificate
$0
3.89%
▲ 1.22% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.22% above avg
Details
Interest Paid: Semi-Annually
Peoples Credit Union Webster City, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
310 1st ST, Webster City, IA 50595 2337
6 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month CD
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.13% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.08% above avg
Details
Balance: $10,000 to $49,999.99
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1602 S MONROE AVE, MASON CITY, IA 50401
6 Months
$500
3.74%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.07% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
6 Month CD
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.03% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Months - Diamond
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.03% above avg
Details
Diamond APY 1,4
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
6 Month CD
$0
3.68%
▲ 1.01% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.01% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 month CD
$50,000
3.68%
▲ 1.01% above national avg
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.01% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$50,000
3.68%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.01% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Certificate
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.99% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
6 Month Certificate
$1,000
3.66%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.99% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
6 Month CD
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.98% above avg
Details
Interest Compounded and Credited: At Maturity
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Months - Platinum
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.98% above avg
Details
Platinum APY 1,4
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.94% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
6 Month Certificate
$10,000
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.93% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 month CD
$15,000
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.91% above avg
Details
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$15,000
3.58%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$15,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.91% above avg
Details
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
402 N Main St, Allison, IA 50602
6 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.88% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.84% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
6 Months
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.83% above avg
Details
Hills Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
240 3rd Ave Se, Cedar Rapids, IA 52401
6 month special - Relationship Pricing
$0
3.49%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.82% above avg
Details
Hills Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
240 3rd Ave Se, Cedar Rapids, IA 52401
Business 6 month special - Relationship Pricing
$0
3.49%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.82% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
6 Month Certificate
$1,500
3.48%
▲ 0.81% above national avg
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.81% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
6-Month Term
$0
3.33%
▲ 0.66% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.66% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
6-month CD
$5,000
3.28%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.61% above avg
Details
Hills Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
240 3rd Ave Se, Cedar Rapids, IA 52401
6 month special
$0
3.24%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Hills Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
240 3rd Ave Se, Cedar Rapids, IA 52401
Business 6 month special
$0
3.24%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
322 Main Ave, Clear Lake, IA 50428
6 Month Certificate
$1,000
3.23%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.56% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
6-Month Term
$0
3.23%
▲ 0.56% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.56% above avg
Details
Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
122 Main St, Earling, IA 51530
6 Month CD
$1,000
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.53% above avg
Details
Penalty for Early Withdrawal: 3 Months; Frequency of Interest Paid: Quarterly
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
501 Linn St, Slater, IA 50244
6-Month CD
$1,000
3.20%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.53% above avg
Details
APY = Annual Percentage Yield; Early withdrawal penalties may apply. Non-institutional funds only. Rate current as of 12/11/25.
Iowa 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 12 months
$100,000
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.41% above avg
Details
Limited Time Special
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months - Member Loyalty
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.31% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
12 Month Certificate
$1,000
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.31% above avg
Details
Limited Time Special
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.31% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month
$100,000
4.14%
▲ 1.30% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.30% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
1 Year Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
1 Year Star Saver
$100
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.22% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$100,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.22% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month CD
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.22% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months - Member Loyalty
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.21% above avg
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
12 Month CD Special
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.21% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
1 Year Certificate
$0
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.20% above avg
Details
Interest Paid: Semi-Annually
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 12 months
$0
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.18% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month CD
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.17% above avg
Details
Balance: $10,000 to $49,999.99
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.16% above avg
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
12 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
10-month special, with rollover into 12-month at time of maturity
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.16% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month
$2,000
3.99%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.15% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month & 2 Add-Ons CD
$500
3.99%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.15% above avg
Details
Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit. Age: 18 or younger.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
12 Month KIDS CD & 2 Add-Ons
$500
3.99%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.15% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$1,000
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.12% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
12 Month CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.12% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
1 Year Certificate
$5,000
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.07% above avg
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 1-year
$250
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.07% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
12 Month Certificate
$1,000
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.07% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.06% above avg
Details
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
12 Month Certificate
$10,000
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.06% above avg
Details
Certificate of Deposit ($10,000-250,000) and IRAs ($1,000-250,000)
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
12 Month CD
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.06% above avg
Details
CD Specials
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
12 Month
$0
3.89%
▲ 1.05% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.05% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate3.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.01% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.96% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$25,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.96% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
12 Months
$100
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.96% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 12 Months
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$5,000
3.79%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.95% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
12 Month IRA Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
2495 208th St, Montrose, IA 52639
12-month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Limited time promotion. Maximum deposit of $50,000 per member. Rates may change or be withdrawn without notice. Substantial penalty for early withdrawal; fees could reduce earnings and principal. Some exclusions or limitations may apply.
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.91% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
12 Month Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.91% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
12 Month Certificate
$5,000
3.75%
▲ 0.91% above national avg
▼
Rate3.72%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.91% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
12-month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.91% above avg
Details
Heritage Bank N.A.
Institution Rating:
C-3.6 ★Texas Ratio: 31.27%
4530 Singing Hills Blvd, Sioux City, IA 51106
12 Month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
12 Month Certificate
$1,000
3.74%
▲ 0.90% above national avg
▼
Rate3.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.90% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
12 Month
$0
3.73%
▲ 0.89% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.89% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.87% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 12-MONTH CERTIFICATE
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.87% above avg
Details
IRA & ESA Certificate of Deposit
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
12 Month CD
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.86% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
12 Month Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.86% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
12 Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.81% above avg
Details
Iowa 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 18 months
$100,000
4.30%
▲ 1.63% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.63% above avg
Details
Limited Time Special
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
955 Washington St, Dubuque, IA 52001
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.58% above avg
Details
Available for a limited time only! Available in Dubuque, Lubbock, Albuquerque, and Boise. Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply. Increase your rate once during the term of your CD if Capra's rates increase.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
18 Month Certificate
$1,000
4.20%
▲ 1.53% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.53% above avg
Details
Limited Time Special
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
108 S Barnes St, What Cheer, IA 50268
18 Month CD Special
$0
4.20%
▲ 1.53% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.53% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month
$100,000
4.14%
▲ 1.47% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.47% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
18 Month Certificate
$0
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.37% above avg
Details
Interest Paid: Semi-Annually
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
125 W 4th St, Spencer, IA 51301
7-18 Month CD
$5,000
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
18 Month Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.33% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
18 Month
$2,000
3.99%
▲ 1.32% above national avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.32% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
18 Month
$0
3.84%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.17% above avg
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
18 Month Certificate
$5,000
3.81%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.14% above avg
Details
Penalty: 6 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 18-month
$250
3.81%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.14% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
18 Month Certificate
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.13% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
18 Month Certificate
$10,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.13% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 18 Months
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.13% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.09% above avg
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18 Month Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18 Month IRA Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18-month CD Special
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.08% above avg
Details
Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Some restrictions may apply.
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
18 Month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
CD Specials
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
18 Month
$0
3.73%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.06% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
18 Month Certificate
$1,000
3.71%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.04% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
18 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
18 Month IRA Certificate
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
18 Month Certificate
$1,000
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.91% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.56%
▲ 0.89% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.89% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
18 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.88% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
18 Month Certificate
$1,000
3.54%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.87% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months - Member Loyalty
$100,000
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
18 Month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
18 Month CD
$25,000
3.49%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.82% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
18 Month Certificate
$1,500
3.43%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.76% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months - Member Loyalty
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
18 Month and Build CD
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.73% above avg
Details
Term: 18 Month and Build CD; Interest Compounded and Credited: Semi-Annually
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months
$100,000
3.35%
▲ 0.68% above national avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$0
3.31%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.64% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
$90,000.00
Lincoln Savings Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.43%
402 N Main St, Allison, IA 50602
18 Month Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.63% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
Traditional IRA and Roth IRA 18 Month
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
18 Months
$10,000
3.25%
▲ 0.58% above national avg
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.58% above avg
Details
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
405 5th St, Ames, IA 50010
18 Month CD
$10,000
3.24%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.57% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
18 Month Certificate
$500
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.53% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$0
3.19%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.52% above avg
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1602 S MONROE AVE, MASON CITY, IA 50401
18 MONTHS
$500
3.15%
▲ 0.48% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
18 Month Certificate
$500
3.10%
▲ 0.43% above national avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.43% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$0
3.09%
▲ 0.42% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.42% above avg
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
18 Month Certificate
$0
3.04%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.37% above avg
Details
Bridge Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
302 Highway 1 S, Mount Vernon, IA 52314
18 Month Certificate
$500
3.02%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.35% above avg
Details
Iowa 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 24 months
$100,000
4.30%
▲ 1.59% above national avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.59% above avg
Details
Limited Time Special
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month CD
$0
4.22%
▲ 1.51% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.51% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
24 Month Certificate
$1,000
4.20%
▲ 1.49% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.49% above avg
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month
$100,000
4.19%
▲ 1.48% above national avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.48% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month CD
$0
4.11%
▲ 1.40% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.40% above avg
Details
Balance: $10,000 to $49,999.99
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA 50401 1522
24 Month Time Share Certificate
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.39% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
2 Year Certificate
$0
4.09%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.38% above avg
Details
Interest Paid: Semi-Annually
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$100,000
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.35% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
24 Month CD
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.35% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
24 Month CD
$5,000
4.05%
▲ 1.34% above national avg
▼
Rate4.01%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.34% above avg
Details
Limited Time Only; Semi Annual
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
24 Month
$2,000
4.04%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.33% above avg
Details
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
2 Year CD
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.30% above avg
Details
Treasury Rates**: 4.19%
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
414 N Adams St, Wellsburg, IA 50680
24 Month Certificate
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.29% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.29% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.26% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.97%
▲ 1.26% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.26% above avg
Details
IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$1,000
3.96%
▲ 1.25% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.25% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Months - Diamond
$0
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.24% above avg
Details
Diamond APY 1,4
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Months - Platinum
$0
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.19% above avg
Details
Platinum APY 1,4
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.16% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.16% above avg
Details
IRA & ESA Certificate of Deposit
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
24 month CD Special
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.14% above avg
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
24-Month CD Special
$500
3.85%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.14% above avg
Details
This is a limited-time offer. Rates effective as of May 26, 2026. Rates may change without notice. Any fees incurred could reduce earnings. A penalty may be imposed for early withdrawal of funds.
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
24 Month
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.13% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 24 months
$0
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.11% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 24 Months
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.09% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.05% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 24-MONTH CERTIFICATE
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.05% above avg
Details
IRA & ESA Certificate of Deposit
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
24 Month Certificate
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.04% above avg
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
4301 E 53rd St, Davenport, IA 52807
24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.04% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
24 Month
$0
3.73%
▲ 1.02% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.02% above avg
Details
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
402 Merrill St, Bussey, IA 50044
24 Month CD
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
CD Specials
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
24 Month Certificate
$0
3.65%
▲ 0.94% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.94% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
24 Month Certificate
$1,000
3.63%
▲ 0.92% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.92% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
2 Year Certificate
$500
3.60%
▲ 0.89% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
24 Month Certificate
$5,000
3.60%
▲ 0.89% above national avg
▼
Rate3.57%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.89% above avg
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA 50158
Kids1st CDs 24 months
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.85% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month Certificate
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.84% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
24 Month Certificate
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.84% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
24 Month Certificate
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.84% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
24 Month IRA Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
24 Month Certificate
$10,000
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.79% above avg
Details
Fidelity Bank Savanna, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
177 S Jordan Creek Pkwy, West Des Moines, IA 50266
20-month special, with rollover into 24-month at time of maturity
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.79% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months - Member Loyalty
$100,000
3.45%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
1800 Royal Ave, Spirit Lake, IA 51360
24-Month CD
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.74% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months - Member Loyalty
$1,000
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.64% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
24 Month Certificate
$1,500
3.33%
▲ 0.62% above national avg
▼
Rate3.30%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.62% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months
$100,000
3.30%
▲ 0.59% above national avg
▼
Rate3.26%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
24 Month Certificate
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details
Iowa 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month
$100,000
4.14%
▲ 1.50% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.50% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$100,000
4.06%
▲ 1.42% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.42% above avg
Details
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1831 2nd St, Coralville, IA 52241
3 Year CD
$0
4.03%
▲ 1.39% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.39% above avg
Details
Treasury Rates**: 4.29%
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
4.02%
▲ 1.38% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.38% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
4.02%
▲ 1.38% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.38% above avg
Details
IRA & ESA Certificate of Deposit
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
36 Month
$2,000
3.99%
▲ 1.35% above national avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.35% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$1,000
3.96%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.32% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.92%
▲ 1.28% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.28% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.92%
▲ 1.28% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.28% above avg
Details
IRA & ESA Certificate of Deposit
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.85%
▲ 1.21% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.21% above avg
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
114 Ely St, Rowley, IA 52329
36 month CD Special One Way
$0
3.85%
▲ 1.21% above national avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.21% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$0
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.18% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 36-MONTH CERTIFICATE
$0
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.18% above avg
Details
IRA & ESA Certificate of Deposit
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month CD
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.16% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 36 Months
$500
3.80%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.16% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
36 Month
$0
3.79%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 1.15% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 36 months
$100,000
3.75%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month CD
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.06% above avg
Details
Balance: $10,000 to $49,999.99
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 36 months
$0
3.66%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.02% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
3 Year Certificate
$500
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.01% above avg
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA 50613 2831
36 Month Certificate
$1,000
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.01% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
36 Month Certificate
$1,000
3.65%
▲ 1.01% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.01% above avg
Details
**
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.01% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
36 Month Certificate
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.01% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
36 Month Certificate
$3,000
3.65%
▲ 1.01% above national avg
▼
Rate3.62%
Min Deposit$3,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.01% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
36 Month Certificate
$1,000
3.63%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.99% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
36 Month CD
$0
3.60%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.96% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA 36 Month Share Certificate
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.91% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
36 Month Certificate
$1,000
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details
One Bump - Up per Term
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
36 Month Certificate
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.91% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
36 Month Trade A Rate (Renewable)
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.91% above avg
Details
Renewable
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.91% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
36 Month
$0
3.53%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▲ 0.89% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
36 Month IRA Certificate
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
36 Month Certificate
$10,000
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.86% above avg
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
2801 Hollenbeck Rd, Palo, IA 52324
36 Month Trade A Rate (Renewable)
$0
3.44%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.80% above avg
Details
Renewable
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.44%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.80% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate
$500
3.40%
▲ 0.76% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.76% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.76% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.34%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.70% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
Traditional IRA and Roth IRA 36 Month
$1,000
3.31%
▲ 0.67% above national avg
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.67% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate
$500
3.30%
▲ 0.66% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.66% above avg
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Certificate
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Certificate
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
36 Month CD
$1,000
3.25%
▲ 0.61% above national avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.61% above avg
Details
Interest Compounded and Credited: Semi-Annually
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
36-Months
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.61% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$0
3.24%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.60% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
36 Month Certificate
$1,500
3.23%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.59% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
36 Months - Member Loyalty
$100,000
3.15%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate
$500
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.51% above avg
Details
Iowa 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
823 Wheeler St, Ames, IA 50010
48 Months
$10,000
4.25%
▲ 1.60% above national avg
▼
Rate4.21%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.60% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month
$100,000
4.14%
▲ 1.49% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.49% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
4.08%
▲ 1.43% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.43% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
4.08%
▲ 1.43% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.43% above avg
Details
IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$100,000
4.06%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.41% above avg
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
48 Month
$2,000
3.99%
▲ 1.34% above national avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.34% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.32% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.97%
▲ 1.32% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.32% above avg
Details
IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$1,000
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.31% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.22% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 48-MONTH CERTIFICATE
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.22% above avg
Details
IRA & ESA Certificate of Deposit
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month CD
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.15% above avg
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 48 Months
$500
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.15% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
48 Month
$0
3.79%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 1.14% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
4 Year Certificate
$500
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.05% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month CD
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.05% above avg
Details
Balance: $10,000 to $49,999.99
Vibrant Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3230 Ridge Pt, Bettendorf, IA 52722
48-Month CD
$0
3.65%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.00% above avg
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
101 Church St, Spillville, IA 52168
48 Month Certificate
$1,000
3.65%
▲ 1.00% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.00% above avg
Details
Iowa State Bank Clarksville, IA
Institution Rating:
A-4.9 ★Texas Ratio: 16.79%
100 N Main St, Clarksville, IA 50619
48 Month Certificate
$5,000
3.64%
▲ 0.99% above national avg
▼
Rate3.61%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.99% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 48 months
$0
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.96% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
48 Month CD
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.95% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
48 Month Certificate
$1,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.90% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.90% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
48 Month
$0
3.53%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▲ 0.88% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.85% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
48 Month 1 Step Up
$10,000
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.85% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.45%
▲ 0.80% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.80% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.80% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.79% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.35%
▲ 0.70% above national avg
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.70% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.70% above avg
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
316 E Bremer Ave, Waverly, IA 50677
48 Month Certificate
$2,500
3.35%
▲ 0.70% above national avg
▼
Rate3.32%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.70% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.34%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.69% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
Traditional IRA and Roth IRA 48 Month
$1,000
3.33%
▲ 0.68% above national avg
▼
Rate3.28%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.68% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.65% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
48 Month Certificate
$1,000
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.65% above avg
Details
Bridge Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
302 Highway 1 S, Mount Vernon, IA 52314
48 Month Certificate
$500
3.28%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.63% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
48 Month IRA Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.60% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
48 Month and Access CD
$1,000
3.25%
▲ 0.60% above national avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.60% above avg
Details
Term: 48 Month and Access CD; Interest Compounded and Credited: Semi-Annually
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
48-Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.60% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$0
3.24%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.59% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Certificate
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.55% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.20%
▲ 0.55% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.55% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
48 Months - Member Loyalty
$100,000
3.15%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.50% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate
$500
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.50% above avg
Details
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA 51501 3922
48 MONTHS
$0
3.14%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.49% above avg
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
48 Month CD
$0
3.12%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.47% above avg
Details
Central State Bank State Center, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
109 Main St W, State Center, IA 50247
48 Month Certificate
$1,500
3.12%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.47% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 48 month
$90,000
3.10%
▲ 0.45% above national avg
▼
Rate3.05%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.45% above avg
Details
$90,000.00
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1602 S MONROE AVE, MASON CITY, IA 50401
4 YEARS
$500
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.45% above avg
Details
Iowa 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year
$100,000
4.14%
▲ 1.39% above national avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.39% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.38% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.38% above avg
Details
IRA & ESA Certificate of Deposit
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$100,000
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.31% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
4.02%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.27% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
4.02%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.27% above avg
Details
IRA & ESA Certificate of Deposit
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
100 Harvest Dr, Luana, IA 52156
5 Year
$2,000
3.99%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.24% above avg
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$1,000
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.21% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.17% above avg
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA 50309 2010
ESA 60-MONTH CERTIFICATE
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.17% above avg
Details
IRA & ESA Certificate of Deposit
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month CD
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.16% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month CD
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.05% above avg
Details
Balance: $10,000 to $49,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
7300 Lake Dr, West Des Moines, IA 50266
Traditional and Roth IRAs - 60 Months
$500
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.05% above avg
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
60 Month
$0
3.79%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 1.04% above avg
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
1207 North 2nd Street, Cherokee, IA 51012
5 Year Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
4800 George Mills Civic Pkwy, West Des Moines, IA 50265
60 Month CD
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.95% above avg
Details
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
55 S 4th St, Fairfield, IA 52556
60 Month Certificate
$1,000
3.63%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.88% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
Premier Certificates 60 months
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.86% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.80% above avg
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
2920 Gordon Dr, Sioux City, IA 51105
60 Month Certificate
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.80% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.80% above avg
Details
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
900 Washington St, Pella, IA 50219
5 Year Certificate
$0
3.53%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.78% above avg
Details
Interest Paid: Semi-Annually
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
116 Main St, Williams, IA 50271
60-month
$0
3.53%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.78% above avg
Details
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
135 W Tilden St, Postville, IA 52162
60 Month
$0
3.53%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.78% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.75% above avg
Details
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
37 1st Ave Nw, Le Mars, IA 51031
60 Month 2 Step Ups
$10,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.75% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.45%
▲ 0.70% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.70% above avg
Details
Solon State Bank
Institution Rating:
F2.3 ★Texas Ratio: 46.95%
126 S Market St, Solon, IA 52333
60 Month Certificate
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.70% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.69% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.65% above avg
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA 50010
Traditional IRA and Roth IRA 60 Month
$1,000
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.60% above avg
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.60% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.59% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.55% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
60-month CD
$25,000
3.29%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.54% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
60-month CD
$5,000
3.28%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.53% above avg
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA 52761
60 Month IRA Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.50% above avg
Details
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
222 E Robinson St, Knoxville, IA 50138
60 Month and Access CD
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.50% above avg
Details
Term: 60 Month and Access CD; Interest Compounded and Credited: Semi-Annually
PSB Indianola, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
802 W Jasper St, Pleasantville, IA 50225
60-Months
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.50% above avg
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
131 E Main St, Ute, IA 51060
60-month CD
$500
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.50% above avg
Details
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$0
3.24%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.49% above avg
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
60 Month CD
$0
3.22%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.47% above avg
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Certificate
$0
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.45% above avg
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.4 ★Texas Ratio: 22.66%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate
$500
3.20%
▲ 0.45% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.45% above avg
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
60 Months - Member Loyalty
$100,000
3.15%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 Main St, Yale, IA 50277
60 Months
$500
3.14%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.39% above avg
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
201 Washington St, Victor, IA 52347
60 Month Certificate
$0
3.12%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.37% above avg
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 60 month
$90,000
3.10%
▲ 0.35% above national avg
▼
Rate3.05%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.35% above avg
Details
$90,000.00
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA 51503 1513
60 Months - Member Loyalty
$1,000
3.05%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.30% above avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Iowa CD Rate Trends
Compare local Iowa CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD IA Avg
2.840%
▲ 0.451 vs 7 days ago
Iowa 12-month CD rates rose 0.451 points over the past 7 days to 2.840% APY.
6-Month CD IA Avg
2.669%
▲ 0.600 vs 7 days ago
Iowa 6-month CD rates rose 0.600 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IA CD Rate Forecast, Next 12 Months
Where are Iowa CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
Powered by
MonitorBankRates
What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Iowa Savers
$25,000 split equally across 5 terms using today’s Iowa average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | IA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/yr | |
Ladder example uses equal $5,000 rungs and Iowa average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
783
CD Rates
Tracked in Iowa
Tracked in Iowa
64 Banks
27 Credit Unions
About Our Iowa CD Rate Database
MonitorBankRates tracks 783 CD rates from 64 banks and 27 credit unions with locations in Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cedar Falls Community Credit Union offers a CD at 4.30% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Iowa.
How to Find the Best CD Rates in Iowa
What to compare when shopping for a CD in Iowa
To find the best APYs in Iowa, start with credit unions and online-only banks: Iowa has 27 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Iowa
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Iowa: 91 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Iowa savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Iowa money market rates
Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.1%
National avg: 17.3%
Median Individual Earnings
$44,180
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At IA 12-mo avg 2.840% APY
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s IA 12-month CD average of 2.840%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $125 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Iowa
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Iowa typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Iowa as everywhere in the U.S.
Choosing a CD Term in Iowa
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Iowa savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-month cd at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Luana Savings Bank is offering its 5 Year at 4.14% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Iowa Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Iowa saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Iowa
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Iowa CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Iowa depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Iowa
Are CD rates in Iowa FDIC insured?
Yes, most established banks in Iowa are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Iowa?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Iowa.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Iowa may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Iowa?
Here are recent top rates found for this area:
- Cedar Falls Community Credit Union: 4.30% APY (JUMBO Certificates 18 months)
- Vibrant Credit Union: 4.25% APY (6-month cd)
- Exchange State Bank Ames, IA: 4.25% APY (48 Months)
- Capra Bank: 4.25% APY (18-Month Bump-Up CD)
- SSB West Des Moines, IA: 4.22% APY (24 Month CD)
- TruBank: 4.20% APY (18 Month CD Special)
- Luana Savings Bank: 4.19% APY (24 Month)
- Cobalt Federal Credit Union: 4.15% APY (12 Months - Member Loyalty)
- Serve Credit Union: 4.13% APY (60-MONTH CERTIFICATE)
- New Albin Savings Bank: 4.11% APY (6 Month CD)
Rates reflect recent verified offers available in Iowa. Last Updated: September 9, 2026
Iowa CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Iowa
Iowa CD Calculator
At today’s IA top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Iowa CD LadderIA CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Iowa CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.840% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Iowa directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Iowa. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026
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