Charles City, Iowa CD Rates Today - Compare Best APYs for May 2026
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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 Charles City, Iowa CD rates include First Citizens Bank Mason City, IAFirst Citizens Bank Mason City, IA300 N Main St, Charles City, IA 50616A5.0 ★Texas Ratio: 6.56%Real return: +0.75%APY minus CPI (February 2026) offering 36-Month Term IRA Certificates at 3.55% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.61%Real return: +1.35%APY minus CPI (February 2026) offering Share Certificates 12 months at 4.15% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 14.65%Real return: +1.30%APY minus CPI (February 2026) offering 6-Month CD Special at 4.10% APY, Affinity Credit UnionAffinity Credit UnionA+5.0 ★Texas Ratio: 3.95%Real return: +1.26%APY minus CPI (February 2026) offering 12 month Certificate at 4.06% APY, and Ascentra Credit UnionAscentra Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +1.25%APY minus CPI (February 2026) offering 18 Months Certificates at 4.05% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.
Charles City has 64 local institutions in our database, with CD rates as high as 3.55% APY from First Citizens Bank Mason City, IA at 300 N Main St, Charles City, IA 50616. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Iowa area. 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: May 23, 2026
Compare Best CD Rates in Charles City, Iowa & the Surrounding Area
Charles City 3 Month CD Rates
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%
Youth Certificates 3 Month Add-On
$100
4.00%
▼
Rate3.94%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
A Limited Time Offer!
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
3 Month CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
3 Month CD
$25,000
3.29%
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
Share Certificate 3 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
3 Month CD
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3-Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificates of Deposit
$15,000
2.17%
▼
Rate2.15%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
3 MO Share Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month Certificates of Deposit
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificates of Deposit
$50,000
2.07%
▼
Rate2.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificates of Deposit
$15,000
2.05%
▼
Rate2.03%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificates of Deposit
$2,500
2.03%
▼
Rate2.01%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
At Maturity
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3 months Certificate of Deposit (CD)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Standard Certificates of Deposit 3 Month
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months CD
$75,000
1.56%
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
UpdatedMay 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months CD
$500
1.41%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Bank Plus
Institution Rating:
A-4.9 ★Texas Ratio: 16.50%
Certificates of Deposit 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 month term
$1,000
1.00%
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
Jumbo Certificates 3-month
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
3-month Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Fixed Rate CDs 3 Months
$1,000
0.35%
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3 Months Diamond
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Months Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3 Months Platinum
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
CNB Clinton National Bank
Institution Rating:
F2.4 ★Texas Ratio: 45.83%
3 Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Month CERTIFICATE OF DEPOSIT
$500
0.14%
▼
Rate0.14%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3 Months
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Charles City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term CD
$50,000
3.33%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term**
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term
$25,000
3.23%
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term CD
$25,000
3.23%
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term**
$0
3.23%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term
$5,000
3.12%
▼
Rate3.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term CD
$5,000
3.12%
▼
Rate3.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term**
$0
3.12%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
6-Month Term**
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-Month CD Special
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 6 months
$100,000
4.02%
▼
Rate3.95%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6-month IRA Share Certificates
$250
4.01%
▼
Rate3.95%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6-month Share Certificates
$5,000
4.01%
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Share Certificates 6 months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Limited Time Special
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Months Certificate
$100,000
3.95%
▼
Rate3.89%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Months Share Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 6 months
$10,000
3.92%
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6-month CDs
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Months Certificate
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 6 months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.76%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
6 months Certificate of Deposit (CD)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Months
$500
3.74%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Minimum Deposit of $500
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months Diamond
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 Month CD
$1,000
3.68%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.68%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificates of Deposit
$50,000
3.68%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of & IRA
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month Certificates of Deposit
$25,000
3.68%
▼
Rate3.65%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
6 Month CD
$1,000
3.65%
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-months Certificates of Deposit
$10,000
3.65%
▼
Rate3.62%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificates of Deposit
$15,000
3.58%
▼
Rate3.55%
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
DB4 of
Rate—
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$15,000
3.58%
▼
Rate—
Min Deposit$15,000
Min Balance—
UpdatedMay 17, 2026
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6-month Special
$1,000
3.55%
▼
Rate3.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month Certificates of Deposit
$10,000
3.53%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$5,000
3.53%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-MONTH CERTIFICATE
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
6-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
As high as; APY shown accurate as of 4/1/26 and available for a limited time. Other terms and conditions apply. Penalty for early withdrawal.
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
6-month Certificate Special
$5,000
3.50%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 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.
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
Certificate Special 6-month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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.
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 6 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Charles City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
12-Month Term**
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
12-Month Term**
$25,000
3.19%
▼
Rate3.15%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
12-Month Term**
$5,000
3.09%
▼
Rate3.05%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
12-Month Term**
$1,000
2.98%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month Certificate
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Share Certificates 12 months
$1,000
4.15%
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Limited Time Special
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 month Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 month Certificates
$10,000
4.06%
▼
Rate4.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Months* CD Specials
$125,000
4.00%
▼
Rate3.94%
Min Deposit$125,000
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 12 months
$100,000
3.97%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1-year IRA Share Certificates
$250
3.91%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1-year Share Certificates
$5,000
3.91%
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months Certificate and IRA
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
12 Month IRA Certificates
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 12 months
$10,000
3.87%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months Certificate and IRA
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Baby Bundle Certificate 12 Month
$25
3.80%
▼
Rate3.74%
Min Deposit$25
Min Balance—
UpdatedMay 23, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month KIDS CD & 2 Add-Ons
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
$500 and above; To qualify the individual must be 18 years of age or younger.; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month & 2 Add-Ons
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
To qualify the individual must be 18 years of age or younger. Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit.
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 12 months
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Add2IRA 12 Months
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 12 Months
$15,000
3.75%
▼
Rate3.70%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 12 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
12 Months Time Certificates of Deposit (CD)
$5,000
3.75%
▼
Rate3.72%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Months* CD Specials
$75,000
3.75%
▼
Rate3.70%
Min Deposit$75,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
12 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
12 Months Share Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificate 12 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1-year Jumbo Certificate of Deposit (CD)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 1 Year
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year (12 months) CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 12 Months
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Months* CD Specials
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12-MONTH CERTIFICATE
$100,000
3.56%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 12 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Charles City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term IRA Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term***
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 and above
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term CD Rate
$50,000
3.19%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term CD Rate
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term IRA Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term***
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$25,000-$49,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term
$5,000
2.98%
▼
Rate2.95%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term CD Rate
$5,000
2.98%
▼
Rate2.95%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term IRA Certificate
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term***
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$5,000-$24,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term***
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$4,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term IRA Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
18-Month Term CD Rate
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Months Certificates
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Share Certificates 18 months
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Limited Time Special
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
18 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18-month IRA Share Certificates
$250
3.81%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 20, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18-month Share Certificates
$5,000
3.81%
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedMay 20, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 month Certificates
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 month Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 months Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18-month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
IRA Certificates of Deposit 18 months special
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
limited time!
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Additions Permitted
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
18 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 18 Months
$15,000
3.65%
▼
Rate3.60%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 18 Months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 18 Month
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
Share Certificate 18 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 18 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 18 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
18 Month and Build CD
$1,000
3.40%
▼
Rate3.37%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months Certificate and IRA
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
18 Month CD
$25,000
3.34%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificates of Deposit 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$10,000
3.25%
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
18 MO Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months Certificate and IRA
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Charles City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term IRA Certificates
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term
$50,000
3.03%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term
$25,000
2.93%
▼
Rate2.90%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term IRA Certificates
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term
$5,000
2.83%
▼
Rate2.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term IRA Certificates
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
24-Month Term IRA Certificates
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Certificate of Deposit
$100,000
4.00%
▼
Rate3.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month Legacy CD
$20
4.00%
▼
Rate—
Min Deposit$20
Min Balance—
UpdatedMay 21, 2026
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month CD Specials
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
24 Month CD Special
$5,000
4.00%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
LIMITED TIME ONLY!
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Share Certificates 24 months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Limited Time Special
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Certificate of Deposit
$2,000
3.85%
▼
Rate3.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
24 Month IRA Certificates
$100,000
3.84%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 24 Months
$15,000
3.80%
▼
Rate3.75%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 24 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
SPRING SPECIAL: Pick your term! 12, 18, or 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Must contact a personal banker at 515-962-1400 to receive the special.
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
24 Month IRA Certificates
$25,000
3.73%
▼
Rate3.70%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24-Month CD Special
$10,000
3.70%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
$10,000 minimum deposit, penalty for early withdrawal. Rate as of 5/18/2026 and subject to change.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$50,000
3.66%
▼
Rate3.60%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 24 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
24 Months Time Certificates of Deposit (CD)
$5,000
3.60%
▼
Rate3.57%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 2 Year
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Kids1st CDs 24 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
$100 minimum - $1,000 maximum; Only members younger than 18
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.52%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 month Certificates
$10,000
3.55%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 month Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month Certificate of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 24 months
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 24 months
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
24 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
2-year Jumbo Certificate of Deposit (CD)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
24 Months Certificate and IRA
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate 24 months
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Charles City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
36-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$100,000
3.82%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 36 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 36 Months
$15,000
3.80%
▼
Rate3.75%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
36 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$50,000
3.71%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Share Certificates 36 months
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 36 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
36 Month Raise-A-Rate Time Certificates of Deposit (CD)
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
36 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
One Bump - Up per Term
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 36 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
One Bump - Up per Term
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
36 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 36 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 3 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Quarterly
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 month Certificates
$10,000
3.25%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 month Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
36 Month CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
Share Certificate 3 Years
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month Certificate Account
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month Certificate Account
$500
3.10%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificates of Deposit 36 Months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month Certificate Account
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 months Certificates of Deposit (CDs)
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
IRA Certificates of Deposit 36 months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Home State Bank Royal, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year (36 months) CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Charles City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
48-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 48 Months
$15,000
3.80%
▼
Rate3.75%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 48 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
48 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 48 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 48 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
48 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 48 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month Certificate Account
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 4 Year Step
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Quarterly
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
Share Certificate 4 Years
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
IRA Share Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Certificates 48 month certificate
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
48 Month and Access CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month Certificate Account
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTHS
$10,000
3.14%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$50,000
3.12%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
48 Months Time Certificates of Deposit (CD)
$2,500
3.10%
▼
Rate3.08%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Minimum Deposit of $500
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$100,000
3.05%
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificates of Deposit 48 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTHS
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48-month CD
$25,000
3.03%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Farmers State Bank Lake View, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 months Certificates of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Charles City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 and above
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term
$25,000
3.44%
▼
Rate3.40%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$25,000-$49,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term
$5,000
3.34%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term IRA Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$5,000-$24,999.99
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
300 N Main St, Charles City, IA 50616
60-Month Term IRA Certificates
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$4,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,000 and over
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 and above
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 & over
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$50,000
3.82%
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000 to $99,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 60 Months
$15,000
3.80%
▼
Rate3.75%
Min Deposit$15,000
Min Balance—
UpdatedMay 21, 2026
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs 60 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000.00 and Over
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
60 Month IRA Certificates
$100,000
3.79%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000-$99,999
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
$2,000 to $99,999.99
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$1000 to $49,999.99
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Certificates of Deposit 60 Months
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 60 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60-Month Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month Certificate Account
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.99** and Under
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
60 Month IRA Certificates
$25,000
3.53%
▼
Rate3.50%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
$25,000.00 - $99,999.99
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
IRA Share Certificates 60 month certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Green Belt Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Certificates of Deposit (CDs) 60 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month Certificate Account
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month Certificate Account
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month Certificate Account
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
Share Certificate 5 Years
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$25,000
3.29%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Leighton State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Certificates of Deposits (CDs) 5 Year
$0
3.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Semi-Annually
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$5,000
3.28%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
60 Month and Access CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$50,000
3.22%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month Certificate Account
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 17, 2026
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$100,000
3.10%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificate 60 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
60 Months Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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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.
Key Takeaways
What to know about CD rates in Charles City, Iowa at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Charles City depositors is 3.55% APY from First Citizens Bank Mason City, IA. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Charles City, IA CD Rate Trends
Compare local Charles City, IA 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
2.763%
Unchanged vs 7 days ago
Iowa 12-month CD rates currently average 2.763% APY based on data from institutions in our monitoring network.
6-Month CD — IA Avg
2.724%
▲ 0.073 vs 7 days ago
Iowa 6-month CD rates rose 0.073 points over the past 7 days to 2.724% APY.
As of May 24, 2026 • Rate data sourced from 8,500+ monitored institutions
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IA CD Rate Forecast — Next 12 Months
Where are Iowa CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.763%
6-Month Forecast
2.763%
Range: 2.56% – 2.91%
12-Month Forecast
2.513%
Range: 2.31% – 2.66%
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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 | 1.840% | $91.99 | $183.97 | $459.93 | $919.85 |
| 6-Month CD | 2.724% | $136.19 | $272.38 | $680.95 | $1,361.90 |
| 12-Month CD | 2.763% | $138.17 | $276.34 | $690.85 | $1,381.70 |
| 18-Month CD | 2.691% | $134.53 | $269.05 | $672.63 | $1,345.25 |
| 24-Month CD | 2.742% | $137.12 | $274.23 | $685.58 | $1,371.15 |
| 36-Month CD | 2.727% | $136.33 | $272.65 | $681.63 | $1,363.25 |
| 48-Month CD | 2.774% | $138.69 | $277.37 | $693.43 | $1,386.85 |
| 60-Month CD | 2.880% | $143.99 | $287.98 | $719.95 | $1,439.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 23, 2026. | |||||
Sample CD Ladder for Charles City, 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 | 1.840% | $91.99 |
| 2 | 6-Month CD | $5,000 | 2.724% | $136.19 |
| 3 | 12-Month CD | $5,000 | 2.763% | $138.17 |
| 4 | 24-Month CD | $5,000 | 2.742% | $137.12 |
| 5 | 36-Month CD | $5,000 | 2.727% | $136.33 |
| Total ($25,000 invested) | $25,000 | 2.559% blended | $639.80/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.
721
CD Rates
Tracked in Charles City, Iowa
Tracked in Charles City, Iowa
43 Banks
28 Credit Unions
About Our Charles City, Iowa CD Rate Database
MonitorBankRates tracks 721 CD rates from 43 banks and 28 credit unions with locations in Charles City, 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: First Citizens Bank Mason City, IA offers a CD at 3.55% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Charles City, Iowa.
How to Find the Best CD Rates in Charles City, Iowa
What to compare when shopping for a CD in Charles City, Iowa
To find the best APYs in Charles City, Iowa, start with credit unions and online-only banks — Charles City, Iowa has 28 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 Charles City, 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 Charles City, Iowa — 71 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Charles City, Iowa savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Charles City, Iowa money market rates
Iowa Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$122/yr
At IA 12-mo avg 2.763% 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 2.763%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $122 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 Charles City, 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 Charles City, Iowa
Are CD rates in Charles City, Iowa FDIC insured?
Yes, most established banks in Charles City, 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 Charles City, 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 Charles City, 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 Charles City, 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 Charles City, Iowa?
Here are recent top rates found for this area:
- First Citizens Bank Mason City, IA: 3.55% APY (36-Month Term IRA Certificates)
- Cedar Falls Community Credit Union: 4.15% APY (Share Certificates 12 months)
- Vibrant Credit Union: 4.10% APY (6-Month CD Special)
- Affinity Credit Union: 4.06% APY (12 month Certificate)
- TruBank: 4.05% APY (6-12 Month CD Special)
- Ascentra Credit Union: 4.05% APY (18 Months Certificates)
- River Valley Credit Union Ames, IA : 4.02% APY (Share Certificate 6 months)
- Des Moines Metro Credit Union: 4.01% APY (6-month IRA Share Certificates)
- Luana Savings Bank: 4.00% APY (12 Month Certificate of Deposit)
- Washington State Bank Washington, IA: 4.00% APY (12 Months* CD Specials)
Rates reflect recent verified offers available in Charles City, Iowa. Last Updated: May 23, 2026
CD Calculators for Charles City, Iowa
Charles City, Iowa CD Calculator
At today’s IA top rate of 3.55% APY, a $10,000 deposit earns $355 in the first year. Enter your amount to see your exact return.
Charles City, Iowa CD LadderIA CD rates currently range from 1.840% (3-month) to 2.727% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Charles City, Iowa CD at 3.55% 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 2.763% 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 Charles City, 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 Charles City, 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 Charles City, 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: May 23, 2026
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