CD Rates Iowa (IA) for April 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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: 3.75%Real return: +1.45%APY minus CPI (February 2026) offering JUMBO Certificates 12 months at 4.25% APY, Vibrant Credit UnionVibrant Credit Union3230 Ridge Pt, Bettendorf, IA 52722A-5.0 ★Texas Ratio: 15.61%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, Des Moines Metro Credit UnionDes Moines Metro Credit Union100 University Ave, Des Moines, IA 50314 3121A+5.0 ★Texas Ratio: 2.01%Real return: +1.21%APY minus CPI (February 2026) offering 6-month IRA Share Certificates at 4.01% APY, Luana Savings BankLuana Savings Bank100 Harvest Dr, Luana, IA 52156A+5.0 ★Texas Ratio: 0.11%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.00% APY, and Green Belt Bank & TrustGreen Belt Bank & Trust120 E Main St, Belmond, IA 50421A+5.0 ★Texas Ratio: 0.70%Real return: +1.20%APY minus CPI (February 2026) offering 24 Month Legacy CD at 4.00% APY. CD rates as of April 21, 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 4.25% APY from Cedar Falls Community Credit Union at 123 W 4th St, Cedar Falls, IA 50613 2831. Rates are continually updated — 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: April 21, 2026
Compare Best CD Rates in Iowa
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: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
Youth Certificates 3 Month Add-On
$100
4.00%
▼
Rate3.94%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
3 month CD Special
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
Special Term CDs* 3 Month CD
$25,000
3.29%
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Month CD
$100,000
3.14%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
3 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 S Cherry St, Mount Pleasant, IA 52641
3 MO Share Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 3 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
At Maturity
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
3 Months CD Term
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
3 month term
$1,000
1.00%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 3-month
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 3 Months
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
3 Months Certificate of Deposits (CDs) Diamond
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
3 MONTH/91 DAYS Certificate of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
3 Months Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
3 Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
3 Month Certificate of Deposit
$500
0.14%
▼
Rate0.14%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
600 Chestnut St, Atlantic, IA 50022
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
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: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 6 months
$100,000
4.10%
▼
Rate4.04%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time Special
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA 50314 3121
6-month IRA Share Certificates
$250
4.01%
▼
Rate3.95%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
6 Months Certificate
$100,000
3.95%
▼
Rate3.89%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
6 Month CD
$100,000
3.91%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA 52761
6-month CDs
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
6 Months Certificate of Deposits (CDs) Diamond
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
6 Month CD
$1,000
3.68%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
6 Month Certificates of Deposit
$25,000
3.68%
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
6 Month Certificate
$50,000
3.68%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
(1)(Variable)
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
6-month CD
$5,000
3.53%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
6-MONTH CERTIFICATE
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
6 Months Certificates of Deposit (CDs)
$1,000
3.50%
▼
Rate3.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Certificate Special 6-month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
APY shown accurate as of 4/1/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees.
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 6 month
$90,000
3.35%
▼
Rate3.30%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
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
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
6 Months CD Options
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 6 Month
$0
2.85%
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
6 Month CD
$50,000
2.82%
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
6 mo. Term Share
$100,000
2.80%
▼
Rate2.76%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 S Cherry St, Mount Pleasant, IA 52641
6 MO Share Certificate
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 6 Month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Semi-Annually
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 6 Months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
6 Month Standard Certificates of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 6 Months
$0
2.04%
▼
Rate2.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 6 month certificate
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
6 Months CD Term
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 6 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
6 month term
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
Regular & IRA Certificates 6 months
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $2,000 balance required
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
6 Month CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
6 Months Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
6 Month Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
6 MONTH/182 DAYS Certificate of Deposit
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA 50322 3772
6-month Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
6 Month Certificate of Deposit
$500
0.19%
▼
Rate0.19%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
600 Chestnut St, Atlantic, IA 50022
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
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: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 12 months
$100,000
4.25%
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time Special
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
12 Months* CD Specials
$125,000
4.00%
▼
Rate3.94%
Min Deposit$125,000
Min Balance—
UpdatedApr 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
12 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA 50314 3121
1-year IRA Share Certificates
$250
3.91%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
12 Months Certificate and IRA Account
$100,000
3.90%
▼
Rate3.84%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 12 Month
$0
3.89%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
108 S Barnes St, What Cheer, IA 50268
6-12 Month CD Special
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
1 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 1 Year
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Semi-Annually
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
202 3rd Ave, Royal, IA 51357
1 Year (12 months) CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
12-MONTH CERTIFICATE
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA 51105
12 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
125 W 4th St, Spencer, IA 51301
12 Month CD
$5,000
3.52%
▼
Rate3.47%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
12 Months Certificates of Deposit (CDs)
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Additions Permitted
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA 50265
12 Months CD Options
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Traditional & Roth IRA CD 12 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
12 Month CD
$100,000
3.50%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA 50401 1522
12 Month Time Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
12 Months Certificate of Deposits (CDs) Diamond
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
12 Month Certificates of Deposit
$25,000
3.43%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
12-month Certificate of Deposit
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
Kids1st CDs 12 months
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
$100 minimum - $1,000 maximum; Only members younger than 18
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
12-Month Term IRA Certificate
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
12 months Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 S Cherry St, Mount Pleasant, IA 52641
12 MO Share Certificate
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 12 month
$90,000
3.10%
▼
Rate3.05%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
12 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Farmers Trust & Savings Bank Earling, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
122 Main St, Earling, IA 51530
12 Month CD
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 12 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 12 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
12 Month CD
$5,000
2.92%
▼
Rate2.90%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
12 mo. Term Share
$100,000
2.79%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 12 month certificate
$500
2.60%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
12-month CD
$5,000
2.52%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
12 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 12 Months
$0
2.03%
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates: minimum 12 month
$25,000
1.76%
▼
Rate1.75%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
$25,000
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
12 Month Certificate of Deposit (CD)
$150,000
1.75%
▼
Rate1.74%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
600 Chestnut St, Atlantic, IA 50022
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
12 month term
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 12-month
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 12 Month
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
Regular & IRA Certificates 12 months
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 balance required
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1831 2nd St, Coralville, IA 52241
12 Months IRA Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
12 Month CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
12 Months Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
12 MONTH Certificate of Deposit
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
636 Avenue G, Fort Madison, IA 52627
12 Month Fixed IRA
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 18 months
$100,000
4.05%
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time Special
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 18 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA 50314 3121
18-month IRA Share Certificates
$250
3.81%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
18 Month CD
$1,000
3.75%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Blackhawk Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.98%
3889 Elmore Ave, Davenport, IA 52807
18-Month Silver Hawk Club CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
18-month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 18 Month
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Semi-Annually
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
18 Month and Build CD
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
18 Months Certificate and IRA Account
$100,000
3.35%
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA 50010
Special Term CDs* 18 Month CD
$25,000
3.34%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 S Cherry St, Mount Pleasant, IA 52641
18 MO Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
18 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
18 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.05%
▼
Rate3.00%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
18 Month CD
$50,000
2.82%
▼
Rate2.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
18 Month CD
$100,000
2.76%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
18 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates 18 month
$25,000
2.02%
▼
Rate2.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
18 Months Certificate of Deposits (CDs) Diamond
$0
1.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
18 Month Certificate of Deposit (CD)
$150,000
1.85%
▼
Rate1.84%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
18 Months CD Term
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 18 Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 18-month
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1831 2nd St, Coralville, IA 52241
18 Months IRA Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
18 Month CD
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
18 Months Certificates
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
18 MONTH Certificate of Deposit
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
636 Avenue G, Fort Madison, IA 52627
18 Month Variable IRA
$0
0.60%
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
18 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA 50322 3772
18-month Share Certificates
$0
0.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
18 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
24 Month Legacy CD
$20
4.00%
▼
Rate—
Min Deposit$20
Min Balance—
UpdatedApr 21, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 24 months
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time Special
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
100 N Main St, Clarksville, IA 50619
CD Specials 24 months
$5,000
4.00%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
LIMITED TIME ONLY!
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
24 Month Certificate of Deposit
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 24 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
24-Month CD Special
$10,000
3.80%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
penalty for early withdrawal. Rate as of 4/10/2026 and subject to change.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
24-MONTH CERTIFICATE
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
2 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
802 W Jasper St, Pleasantville, IA 50225
SPRING SPECIAL: Pick your term! 12, 18, or 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Must contact a personal banker at 515-962-1400 to receive the special.
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 2 Year
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Semi-Annually
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
Kids1st CDs 24 months
$100
3.56%
▼
Rate3.50%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
$100 minimum - $1,000 maximum; Only members younger than 18
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
24 month CD Special
$0
3.55%
▼
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA 51105
24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1800 Royal Ave, Spirit Lake, IA 51360
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
24 Months Certificate and IRA Account
$100,000
3.30%
▼
Rate3.26%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
24 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
24 Month, Bump CD and Build CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Traditional & Roth IRA CD 24 Months
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
24 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
24-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
24-Month Term
$50,000
3.03%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
24 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
202 3rd Ave, Royal, IA 51357
2 Year (24 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 24 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
24 Month CD
$100,000
2.95%
▼
Rate2.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
24 Month CD
$50,000
2.92%
▼
Rate2.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
24 Months Share Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 24 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 24 Month
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 24 month certificate
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
24 mo. Term Share
$100,000
2.64%
▼
Rate2.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates: minimum 24 month
$25,000
2.53%
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
$25,000
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
24 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
24 Months Certificate of Deposits (CDs) Diamond
$0
2.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
24 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
Regular & IRA Certificates 24 months
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 balance required
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 24-month
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
24 Months CD Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
24 month term
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 24 Month
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 24 Months
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
24 Month IRA CD
$30,000
0.95%
▼
Rate0.95%
Min Deposit$30,000
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
24 Months Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
24 MONTH Certificate of Deposit
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
24 Month Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA 50322 3772
24-month Share Certificates
$0
0.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
636 Avenue G, Fort Madison, IA 52627
24 Month Fixed IRA
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
24 Month Certificate of Deposit
$500
0.28%
▼
Rate0.28%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
36 Month Certificate of Deposit
$0
3.94%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
36-MONTH CERTIFICATE
$100,000
3.82%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 36 months
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 36 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
3 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA 51105
36 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
One Bump - Up per Term
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
36 Months Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
114 Ely St, Rowley, IA 52329
36 month CD Special One Way
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
36 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 3 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
36 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
215 N Division St, Stuart, IA 50250
Traditional & Roth IRA CD 36 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
IRA Certificates of Deposit 36 months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
36-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
36 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
202 3rd Ave, Royal, IA 51357
3 Year (36 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
36 Month CD
$50,000
3.02%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
36 Months Certificate and IRA Account
$100,000
3.00%
▼
Rate2.97%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 36 month certificate
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
36 Month CD
$100,000
3.00%
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
36 Months Share Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 36 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 36 Month
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
36 mo. Term Share
$100,000
2.54%
▼
Rate2.51%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates 36 month
$25,000
2.50%
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
36 month Certificates of Deposit
$50,000
2.32%
▼
Rate2.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 36-month
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
36 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
Regular & IRA Certificates 36 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 balance required
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
36 month term
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
36 Months CD Term
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 36 Month
$0
1.66%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
36 Months Certificate of Deposits (CDs) Diamond
$0
1.32%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 36 Months
$0
1.31%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
36 Month IRA CD
$30,000
1.05%
▼
Rate1.05%
Min Deposit$30,000
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
36 Months Certificates
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
36 MONTH Certificate of Deposit
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 36 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
36 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA 50322 3772
36-month Share Certificates
$0
0.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
36 Month Certificate of Deposit
$500
0.37%
▼
Rate0.37%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 48 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
3230 Ridge Pt, Bettendorf, IA 52722
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA 51105
48 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
48-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
48 Months Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
48 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 4 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Quarterly
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
48 Month and Access CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
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
$50,000
3.12%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
48 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
48 Month CD
$100,000
3.05%
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
48-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Main St, Lake View, IA 51450
48 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
202 3rd Ave, Royal, IA 51357
4 Year (48 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
48 Months Certificate and IRA Account
$100,000
3.00%
▼
Rate2.97%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
IRA Certificates of Deposit 48 months
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 48 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
48 month Certificates of Deposit
$50,000
2.42%
▼
Rate2.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
48 month term
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
121 S Marion Ave, Washington, IA 52353
48 Months CD Term
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 48-month
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
48 Month Variable Regular & IRA Certiicates
$500
2.07%
▼
Rate2.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 balance required
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
48 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 48 Month
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
48 Months Certificates
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
48 Months Certificate of Deposits (CDs) Diamond
$0
1.18%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
48 Month IRA CD
$30,000
1.10%
▼
Rate1.10%
Min Deposit$30,000
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
48 MONTH Certificate of Deposit
$500
1.05%
▼
Rate1.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
210 Edmunds St, Ledyard, IA 50556
Certificates of Deposit 48 Months
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 48 Months
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
48 Month Certificate
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
48 Month Certificate of Deposit
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA 50309 2010
60-MONTH CERTIFICATE
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
5 Year CD
$100,000
3.85%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 & over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 60 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA 51105
60 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA 52501
60 Month Certificate Account
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
2601 4th St Sw, Mason City, IA 50401
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
120 E Main St, Belmond, IA 50421
60 Months Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3098 Floyd Blvd, Sioux City, IA 51108
Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
131 E Main St, Ute, IA 51060
60-month CD
$25,000
3.29%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
900 Washington St, Pella, IA 50219
Certificates of Deposits (CDs) 5 Year
$0
3.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Semi-Annually
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
222 E Robinson St, Knoxville, IA 50138
60 Month and Access CD
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
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
$50,000
3.22%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
60 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
101 W Jefferson St, Winterset, IA 50273
60 Month CD
$100,000
3.10%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA 50314 3121
5-year IRA Share Certificates
$250
3.03%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA 52722
60 Months Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA 51503 1513
60 Months Certificate and IRA Account
$100,000
3.00%
▼
Rate2.97%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Bank N.A.
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
4530 Singing Hills Blvd, Sioux City, IA 51106
Triple Option CD 60 Month
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA 51501
Jumbo Certificates - minimum opening deposit of 60 month
$90,000
2.85%
▼
Rate2.81%
Min Deposit$90,000
Min Balance—
UpdatedApr 21, 2026
Details
$90,000.00
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA 50613 2831
JUMBO Certificates 60 months
$100,000
2.85%
▼
Rate2.82%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA 50158
IRA Certificates of Deposit 60 months
$500
2.84%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
60 month Certificates of Deposit
$50,000
2.52%
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
DB4 of; & IRA
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
203 Crestwood Ave, Bremer, IA 50677
60 Month Standard Certificates of Deposit
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA 52002
60 month term
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA 52101 2412
Jumbo Certificates 60-month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA 50266 1416
60 Month Variable Education Regular & IRA Certiicates
$500
2.13%
▼
Rate2.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 balance required
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
414 N Adams St, Wellsburg, IA 50680
60 Month Certificate of Deposit (CD)
$150,000
2.05%
▼
Rate2.04%
Min Deposit$150,000
Min Balance—
UpdatedApr 21, 2026
Details
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA 52639
IRA Certificates 60 Month
$0
1.87%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA 52722
60 Months Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA 52807
60 Months Certificate of Deposits (CDs) Diamond
$0
1.42%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Connection Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
636 Avenue G, Fort Madison, IA 52627
60 Month Fixed IRA
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA 52404
60 Month CD
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Federation Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
300 S Iowa Ave, Washington, IA 52353
60 MONTH Certificate of Deposit
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA 52302
Fixed Rate CDs 60 Months
$0
1.05%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
60 Month Certificate of Deposit
$500
0.77%
▼
Rate0.77%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum to Open CD
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
1 W White St, Preston, IA 52069
60 Month Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Powered by
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.
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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
2.634%
▲ 0.059 vs 7 days ago
Iowa 12-month CD rates rose 0.059 points over the past 7 days to 2.634% APY.
6-Month CD — IA Avg
2.417%
▼ 0.093 vs 7 days ago
Iowa 6-month CD rates fell 0.093 points over the past 7 days to 2.417% APY.
As of Apr 21, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.634%
6-Month Forecast
2.634%
Range: 2.43% – 2.78%
12-Month Forecast
2.384%
Range: 2.18% – 2.53%
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 | 1.417% | $70.85 | $141.70 | $354.25 | $708.50 |
| 6-Month CD | 2.417% | $120.84 | $241.67 | $604.18 | $1,208.35 |
| 12-Month CD | 2.634% | $131.70 | $263.39 | $658.48 | $1,316.95 |
| 18-Month CD | 2.518% | $125.89 | $251.78 | $629.45 | $1,258.90 |
| 24-Month CD | 2.505% | $125.24 | $250.47 | $626.18 | $1,252.35 |
| 36-Month CD | 2.584% | $129.19 | $258.37 | $645.93 | $1,291.85 |
| 48-Month CD | 2.560% | $127.98 | $255.95 | $639.88 | $1,279.75 |
| 60-Month CD | 2.699% | $134.95 | $269.89 | $674.73 | $1,349.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 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 | 1.417% | $70.85 |
| 2 | 6-Month CD | $5,000 | 2.417% | $120.84 |
| 3 | 12-Month CD | $5,000 | 2.634% | $131.70 |
| 4 | 24-Month CD | $5,000 | 2.505% | $125.24 |
| 5 | 36-Month CD | $5,000 | 2.584% | $129.19 |
| Total ($25,000 invested) | $25,000 | 2.311% blended | $577.82/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.
62
Institutions
in Iowa
in Iowa
40 Banks
22 Credit Unions
About Our Iowa CD Rate Database
MonitorBankRates tracks CD rates from 40 banks and 22 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 4.25% 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 22 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 — 62 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Iowa savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$116/yr
At IA 12-mo avg 2.634% 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 2.634%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $116 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 |
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: 4.25% APY (JUMBO Certificates 12 months)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
- Luana Savings Bank: 4.00% APY (12 Month Certificate of Deposit)
- Green Belt Bank & Trust: 4.00% APY (24 Month Legacy CD)
- Iowa State Bank Clarksville, IA: 4.00% APY (CD Specials 24 months)
- Washington State Bank Washington, IA: 4.00% APY (12 Months* CD Specials)
- Cobalt Federal Credit Union: 3.95% APY (6 Months Certificate)
- R.I.A. Federal Credit Union: 3.92% APY (6 Months Share Certificate)
- Serve Credit Union: 3.92% APY (60-MONTH CERTIFICATE)
Rates reflect recent verified offers available in Iowa. Last Updated: April 21, 2026
CD Calculators for Iowa
Iowa CD Calculator
At today’s IA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Iowa CD LadderIA CD rates currently range from 1.417% (3-month) to 2.584% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Iowa CD at 4.25% 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 2.634% 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
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 pulling data straight 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: April 21, 2026
Cities in Iowa
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