Des Moines, Iowa Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Des Moines, Iowa CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of October 23, 2026. Current Des Moines, Iowa CD rates include Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA 50309 2010A+5.0 ★Texas Ratio: 3.05%Real return: +1.10%APY minus CPIRate verified Oct 19, 2026 offering 60-Month Certificate at 4.80% APY, Midwest Heritage BankMidwest Heritage Bank4605 Fleur Dr, Des Moines, IA 50321A5.0 ★Texas Ratio: 9.76%Real return: +0.80%APY minus CPIRate verified Oct 21, 2026 offering Certificate of Deposit 24 Months at 4.50% APY, TruBankTruBank612 Army Post Rd, Des Moines, IA 50315A5.0 ★Texas Ratio: 11.45%Real return: +0.65%APY minus CPIRate verified Oct 22, 2026 offering 6-12 Month CD Special at 4.35% APY, Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 14.44%Real return: +0.55%APY minus CPIRate verified Oct 20, 2026 offering 6-Month CD Special at 4.25% APY, and Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA 50314 3403A+5.0 ★Texas Ratio: 3.72%Real return: +0.53%APY minus CPIRate verified Oct 19, 2026 offering 6 Month Jumbo Certificates at 4.23% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Des Moines has 275 local institutions in our database, with CD rates as high as 4.80% APY from Serve Credit Union at 423 E Court Ave, Des Moines, IA 50309 2010. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Des Moines, Iowa & the Surrounding Area
Des Moines 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month CD - Platinum Loyalty Tier
$0
4.06%
▲ 2.16% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 2.16% above avgNationally 2.13%
Details
Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 4.06% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month CD - Gold Loyalty Tier
$0
3.96%
▲ 2.06% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 2.06% above avgNationally 2.13%
Details
Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 3.96% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month CD - Silver Loyalty Tier
$0
3.85%
▲ 1.95% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.13%
Details
Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 3.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month CD - Bronze Loyalty Tier
$0
3.75%
▲ 1.85% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.13%
Details
Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 3.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
3 Month CD
$0
3.55%
▲ 1.65% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.65% above avgNationally 2.13%
Details
Base rate (Consumer Rate Sheet)
Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
- Sep 27, 20263.55%▲ from 3.29%
- Sep 15, 20263.29%first recorded
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
3 Month Certificate of Deposit
$0
2.93%
▲ 1.03% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.03% above avgNationally 2.13%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.93% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
3 Month Certificate of Deposit
$0
2.83%
▲ 0.93% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.93% above avgNationally 2.13%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.83% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
3 Month Certificate of Deposit
$0
2.73%
▲ 0.83% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.83% above avgNationally 2.13%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.73% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
3 Month Certificate of Deposit
$0
2.63%
▲ 0.73% above Iowa avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.73% above avgNationally 2.13%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.63% APY
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
3 Month Legacy IRA CD
$0
0.85%
▼ 1.05% below Iowa avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average1.90%▼ 1.05% below avgNationally 2.13%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 0.85% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.84% below Iowa avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▼ 1.84% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
3 Month Standard CD
$1,000
0.05%
▼ 1.85% below Iowa avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▼ 1.85% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
South Story B&T
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3-Month CD Special
$1,000
4.00%
▲ 2.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.13%
Details
Minimum balance to obtain APY is $1,000; Non-institutional funds only; Early withdrawal penalties may apply; Rate current as of 9/25/26
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 8 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Youth Certificate
$100
4.00%
▲ 2.10% above Iowa avg
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 2.10% above avgNationally 2.13%
Details
Only available for members under age 18; $100 min, $30,000 max; Member may add to certificate balance at any time; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 3 Month
$0
3.96%
▲ 2.06% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 2.06% above avgNationally 2.13%
Details
Balance: $100,000 and above
Rate History
1 change since Sep 18, 2026 · 3.91% → 3.96% ▲ 0.05 pts · high 3.96% / low 3.91%
- Oct 20, 20263.96%▲ from 3.91%
- Sep 18, 20263.91%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.95% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.95% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 3 Month
$0
3.80%
▲ 1.90% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.90% above avgNationally 2.13%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 20, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposits (CDs) - 3 Month
$0
3.80%
▲ 1.90% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average1.90%▲ 1.90% above avgNationally 2.13%
Details
Interest Paid: At Maturity; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
3 month CD Special
$500
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.13%
Details
Certificate of Deposit Special Rates; $500 minimum deposit to open; Rates effective as of 9/21/2026; CD specials are available only for a limited time
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 1.85% above Iowa avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 1.85% above avgNationally 2.13%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
Marion County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$1,000
3.65%
▲ 1.75% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average1.90%▲ 1.75% above avgNationally 2.13%
Details
Interest Compounded and Credited: At Maturity
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month Certificate
$1,000
3.60%
▲ 1.70% above Iowa avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.70% above avgNationally 2.13%
Details
Compounded at maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 3, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 3 Month CD
$25,000
3.44%
▲ 1.54% above Iowa avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.54% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.44% APY · checked 3 times
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.50% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.50% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 3 Month CD
$10,000
3.19%
▲ 1.29% above Iowa avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▲ 1.29% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.19% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.14%
▲ 1.24% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.24% above avgNationally 2.13%
Details
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
No change since Sep 20, 2026 · 3.14% APY · checked 8 times
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
3 Month Share Certificate
$500
3.10%
▲ 1.20% above Iowa avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 1.20% above avgNationally 2.13%
Details
Current rates effective as of October 13, 2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 4 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.03%
▲ 1.13% above Iowa avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.13% above avgNationally 2.13%
Details
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
No change since Sep 20, 2026 · 3.03% APY · checked 8 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 MONTH CERTIFICATE
$2,500
3.02%
▲ 1.12% above Iowa avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 1.12% above avgNationally 2.13%
Details
Rate History
No change since Sep 30, 2026 · 3.02% APY · checked 6 times
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month CD
$1,000
3.00%
▲ 1.10% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.10% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month CD
$500
2.95%
▲ 1.05% above Iowa avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 1.05% above avgNationally 2.13%
Details
Certificate of Deposit Accounts; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 6 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
3 Month Share Certificate
$500
2.85%
▲ 0.95% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 0.95% above avgNationally 2.13%
Details
Dividends compounded and credited at maturity; rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 4 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Share Certificates and IRAs - 3 Months
$0
2.84%
▲ 0.94% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average1.90%▲ 0.94% above avgNationally 2.13%
Details
Balance: $90,000 +; APY* = Annual Percentage Yield
Rate History
No change since Oct 23, 2026 · 2.84% APY
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.79%
▲ 0.89% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average1.90%▲ 0.89% above avgNationally 2.13%
Details
Balance: $50,000 - $89,999
Rate History
No change since Oct 12, 2026 · 2.79% APY · checked 3 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
3 Month Share Certificates and IRAs
$0
2.74%
▲ 0.84% above Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average1.90%▲ 0.84% above avgNationally 2.13%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 12, 2026 · 2.74% APY · checked 2 times
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Share Certificates and IRAs - 3 Months
$0
2.69%
▲ 0.79% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average1.90%▲ 0.79% above avgNationally 2.13%
Details
Balance: $250 - $9,999
Rate History
No change since Oct 23, 2026 · 2.69% APY
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Month Certificates of Deposits (CD)
$0
2.65%
▲ 0.75% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.75% above avgNationally 2.13%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 3 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Time Certificates - 3 Month
$1,000
2.37%
▲ 0.47% above Iowa avg
▼
Rate2.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average1.90%▲ 0.47% above avgNationally 2.13%
Details
Effective Thru 10/20/2026; Compound Frequency: @Maturity
Rate History
No change since Oct 21, 2026 · 2.37% APY
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 3 month
$0
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.13%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$500
2.27%
▲ 0.37% above Iowa avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.37% above avgNationally 2.13%
Details
Rates as of June 8, 2023; APY compounded quarterly
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
Unite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.08%
3-Month Certificate
$0
2.25%
▲ 0.35% above Iowa avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average1.90%▲ 0.35% above avgNationally 2.13%
Details
Open online
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 3 month
$0
2.17%
▲ 0.27% above Iowa avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.27% above avgNationally 2.13%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.17% APY · checked 2 times
Boone Bank & Trust Co.
Institution Rating:
A-5.0 ★Texas Ratio: 14.78%
3 Month Certificates of Deposits (CD)
$0
2.14%
▲ 0.24% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.24% above avgNationally 2.13%
Details
Balance: $25,000 - $49,999
Rate History
No change since Sep 14, 2026 · 2.14% APY · checked 3 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 3 month
$0
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.13%
Details
Balance: $1,000.00 minimum; 3-60 month term has a minimum opening balance requirement of $1000.00
Rate History
No change since Oct 21, 2026 · 2.07% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 30-90 Day
$0
2.07%
▲ 0.17% above Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.17% above avgNationally 2.13%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.07% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 30-90 Day
$0
2.05%
▲ 0.15% above Iowa avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.15% above avgNationally 2.13%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.05% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
Certificate of Deposit - 30-90 Day
$0
2.03%
▲ 0.13% above Iowa avg
▼
Rate2.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average1.90%▲ 0.13% above avgNationally 2.13%
Details
Balance: $2,500.00 minimum; 30-90 day has a minimum opening balance requirement of $2500.00
Rate History
No change since Oct 21, 2026 · 2.03% APY · checked 2 times
Community Savings Bank Edgewood, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Certificate of Deposit 90 Day
$1,000
2.03%
▲ 0.13% above Iowa avg
▼
Rate2.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average1.90%▲ 0.13% above avgNationally 2.13%
Details
Interest paid at maturity
Rate History
No change since Oct 22, 2026 · 2.03% APY · checked 2 times
Des Moines 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
520 E Grand Ave, Des Moines, IA 50309
6-Month CD Special
$5
4.25%
▲ 1.45% above Iowa avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 1.45% above avgNationally 2.78%
Details
Auto-renews into a 6-month certificate at the current rate at maturity; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 7 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Jumbo Certificates
$0
4.23%
▲ 1.43% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.43% above avgNationally 2.78%
Details
$100,000 Minimum
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 5 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
4605 Fleur Dr, Des Moines, IA 50321
Certificate of Deposit 6 Months
$0
4.19%
▲ 1.39% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.39% above avgNationally 2.78%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.19% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Premier Certificates
$0
4.13%
▲ 1.33% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.33% above avgNationally 2.78%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
4.13%
▲ 1.33% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.33% above avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Youth Certificates
$500
4.02%
▲ 1.22% above Iowa avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.22% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.02% ▲ 0.31 pts · high 4.02% / low 3.71%
- Sep 18, 20264.02%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
4.02%
▲ 1.22% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.22% above avgNationally 2.78%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 6-month
$250
4.01%
▲ 1.21% above Iowa avg
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.21% above avgNationally 2.78%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 2 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 6-month
$5,000
4.01%
▲ 1.21% above Iowa avg
▼
Rate3.95%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.21% above avgNationally 2.78%
Details
Penalty: 3 month
Rate History
No change since Oct 13, 2026 · 4.01% APY · checked 2 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
6-Month Certificate
$1,000
3.92%
▲ 1.12% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.12% above avgNationally 2.78%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40%
- Oct 9, 20263.92%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
6 Month Certificates
$0
3.76%
▲ 0.96% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 0.96% above avgNationally 2.78%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.76% APY · checked 2 times
Lincoln Savings Bank
Institution Rating:
D3.5 ★Texas Ratio: 33.42%
1922 Ingersoll Ave, Des Moines, IA 50309
Certificate of Deposit (CD) - 6 Months
$2,500
3.55%
▲ 0.75% above Iowa avg
▼
Rate3.51%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 0.75% above avgNationally 2.78%
Details
Interest compounded quarterly; Public funds not eligible; Renews automatically for 12 months at new rate
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
6 Month Business Share Certificates
$0
3.14%
▲ 0.34% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 0.34% above avgNationally 2.78%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
6 Month Share Certificates
$1,000
3.14%
▲ 0.34% above Iowa avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 0.34% above avgNationally 2.78%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 5 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
6 Month Certificate of Deposit
$0
2.97%
▲ 0.17% above Iowa avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.17% above avgNationally 2.78%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.97% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
6 Month Certificate of Deposit
$0
2.87%
▲ 0.07% above Iowa avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.07% above avgNationally 2.78%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.87% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
6 Month Certificate of Deposit
$0
2.77%
▼ 0.03% below Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▼ 0.03% below avgNationally 2.78%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.77% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
6 Month Certificate of Deposit
$0
2.67%
▼ 0.13% below Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▼ 0.13% below avgNationally 2.78%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.67% APY
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
6 Month Legacy IRA CD
$0
0.90%
▼ 1.90% below Iowa avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▼ 1.90% below avgNationally 2.78%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 2 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Regular & IRA Certificate - 6 months
$500
0.65%
▼ 2.15% below Iowa avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▼ 2.15% below avgNationally 2.78%
Details
Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.74% below Iowa avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▼ 2.74% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.75% below Iowa avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▼ 2.75% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.75% below Iowa avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▼ 2.75% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
6 Month Standard CD
$1,000
0.05%
▼ 2.75% below Iowa avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▼ 2.75% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6 Month Share Certificate
$500
4.50%
▲ 1.70% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.70% above avgNationally 2.78%
Details
Dividends compounded and credited at maturity; rates as of August 21, 2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.32%
▲ 1.52% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.52% above avgNationally 2.78%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.32% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.32%
▲ 1.52% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 1.52% above avgNationally 2.78%
Details
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 4.22%
- Oct 3, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 20, 20264.22%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 6 Month
$0
4.30%
▲ 1.50% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 1.50% above avgNationally 2.78%
Details
Balance: $100,000 and above
Rate History
2 changes since Sep 18, 2026 · 4.19% → 4.30% ▲ 0.11 pts · high 4.30% / low 4.19%
- Oct 20, 20264.30%▲ from 4.24%
- Sep 27, 20264.24%▲ from 4.19%
- Sep 18, 20264.19%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 6 Month
$2,000
4.30%
▲ 1.50% above Iowa avg
▼
Rate4.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 1.50% above avgNationally 2.78%
Details
Balance: $100,000 and above
Rate History
No change since Oct 20, 2026 · 4.30% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.27%
▲ 1.47% above Iowa avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.47% above avgNationally 2.78%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.27% APY · checked 3 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month Jumbo Certificate
$100,000
4.25%
▲ 1.45% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.45% above avgNationally 2.78%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 6 Month
$0
4.22%
▲ 1.42% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.42% above avgNationally 2.78%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.22% APY · checked 3 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
4.22%
▲ 1.42% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 1.42% above avgNationally 2.78%
Details
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 3, 20264.22%▲ from 4.16%
- Sep 24, 20264.16%▲ from 4.11%
- Sep 20, 20264.11%first recorded
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate - Member Loyalty
$0
4.20%
▲ 1.40% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.40% above avgNationally 2.78%
Details
Balance: $100,000.00 & greater; Period: Quarterly; Member Loyalty APY
Rate History
No change since Oct 19, 2026 · 4.20% APY
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month Share Certificate
$1,000
4.15%
▲ 1.35% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.35% above avgNationally 2.78%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 4 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 6 Month
$0
4.14%
▲ 1.34% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 1.34% above avgNationally 2.78%
Details
Balance: $2,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.04% → 4.14% ▲ 0.10 pts · high 4.14% / low 4.04%
- Oct 20, 20264.14%▲ from 4.09%
- Sep 27, 20264.09%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 6 Month
$2,000
4.14%
▲ 1.34% above Iowa avg
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▲ 1.34% above avgNationally 2.78%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate - Member Loyalty
$0
4.10%
▲ 1.30% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.30% above avgNationally 2.78%
Details
Balance: $1,000.00 - $99,999.99; Period: Quarterly; Member Loyalty APY
Rate History
No change since Oct 19, 2026 · 4.10% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.30% above Iowa avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.30% above avgNationally 2.78%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
4.05%
▲ 1.25% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.25% above avgNationally 2.78%
Details
Balance: $100,000.00 and greater; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$0
4.05%
▲ 1.25% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.25% above avgNationally 2.78%
Details
Balance: $100,000.00 & greater; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)
$0
4.04%
▲ 1.24% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.24% above avgNationally 2.78%
Details
Balance: => $100,000
Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 2 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Month Special CDs
$0
4.04%
▲ 1.24% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.24% above avgNationally 2.78%
Details
Balance: => $100,000; Penalty for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.04% APY · checked 7 times
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
CD Special - 6 Month
$25,000
4.02%
▲ 1.22% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.22% above avgNationally 2.78%
Details
CD Special - You Pick Your Term!; Contact customer service at 641-664-2265 to learn more
Rate History
No change since Oct 20, 2026 · 4.02% APY · checked 2 times
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Certificates of Deposit - 6 Months
$10,000
4.00%
▲ 1.20% above Iowa avg
▼
Rate3.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Minimum balance to open: $10,000
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 Month Share Certificate
$500
4.00%
▲ 1.20% above Iowa avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.20% above avgNationally 2.78%
Details
Current rates effective as of October 13, 2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Certificate Special - 6-month
$0
4.00%
▲ 1.20% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.20% above avgNationally 2.78%
Details
APY shown accurate as of 10/1/26 and available for a limited time; Penalty for early withdrawal; Membership required
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Business Term Share Certificate
$0
3.95%
▲ 1.15% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Balance: $1.00.00-99.999.99 (as printed); Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
6 Month Certificate
$0
3.95%
▲ 1.15% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.80%▲ 1.15% above avgNationally 2.78%
Details
Balance: $1,000.00 - $99,999.99; Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
6 Month Certificate of Deposit - Diamond
$500
3.92%
▲ 1.12% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 1.12% above avgNationally 2.78%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 3.92% APY · checked 3 times
Des Moines 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
6-12 Month CD Special
$0
4.35%
▲ 1.48% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.48% above avgNationally 2.99%
Details
Pick Your Term CD Specials; Special interest rate and APY, offered only on a limited time basis
Rate History
1 change since Oct 3, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 8, 20264.35%▲ from 4.15%
- Oct 3, 20264.15%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
4605 Fleur Dr, Des Moines, IA 50321
Certificate of Deposit 12 Months
$0
4.30%
▲ 1.43% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.43% above avgNationally 2.99%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12 Month Youth Mini Certificates of Deposit
$0
4.23%
▲ 1.36% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.36% above avgNationally 2.99%
Details
Balance: $250 - $1,000; Members ages 17 and under; Rates effective 10/1/2026
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.23%
▲ 1.36% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.36% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71%
- Oct 9, 20264.23%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 12-Month Certificate
$1,000
4.23%
▲ 1.36% above Iowa avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.36% above avgNationally 2.99%
Details
Balance: $100,000 and over; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.23% APY · checked 3 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
12 Month CD Special
$0
4.20%
▲ 1.33% above Iowa avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.33% above avgNationally 2.99%
Details
CD Specials; Special interest rate and APY, offered only on a limited time basis
Rate History
1 change since Sep 24, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 24, 20264.05%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Jumbo Certificates
$0
4.18%
▲ 1.31% above Iowa avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.31% above avgNationally 2.99%
Details
$100,000 Minimum
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13%
- Sep 18, 20264.18%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.13%
▲ 1.26% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.26% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61%
- Oct 9, 20264.13%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 12-Month Certificate
$1,000
4.13%
▲ 1.26% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.26% above avgNationally 2.99%
Details
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Premier Certificates
$0
4.07%
▲ 1.20% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.20% above avgNationally 2.99%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificate
$0
4.06%
▲ 1.19% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.19% above avgNationally 2.99%
Details
Dividend rate 4.00%; Minimum $10,000 to earn stated APY; Rates as of 2/10/2025
Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Incredible Certificate (CD)
$0
4.06%
▲ 1.19% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.19% above avgNationally 2.99%
Details
Limited time offer
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Youth Certificates
$500
4.02%
▲ 1.15% above Iowa avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
- Sep 18, 20264.02%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
12-Month Certificate
$1,000
4.02%
▲ 1.15% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.15% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51%
- Oct 9, 20264.02%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 12-Month Certificate
$1,000
4.02%
▲ 1.15% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.15% above avgNationally 2.99%
Details
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.02% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
12 Month Certificates of Deposit
$0
4.00%
▲ 1.13% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.13% above avgNationally 2.99%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Add2IRA 12 Months
$0
4.00%
▲ 1.13% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.13% above avgNationally 2.99%
Details
Balance: $100 & Over; Interest Paid: Quarterly; Auto Renew: Yes; IRA certificate (Add2IRA allows multiple deposits)
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 12 Months
$0
4.00%
▲ 1.13% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.13% above avgNationally 2.99%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 1-year
$250
3.91%
▲ 1.04% above Iowa avg
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.04% above avgNationally 2.99%
Details
Penalty: 3 month
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 2 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 1-year
$5,000
3.91%
▲ 1.04% above Iowa avg
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.04% above avgNationally 2.99%
Details
Penalty: 3 month
Rate History
No change since Oct 13, 2026 · 3.91% APY · checked 2 times
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
12 Month CD
$0
3.90%
▲ 1.03% above Iowa avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.03% above avgNationally 2.99%
Details
Balance to obtain APY: $500+; Minimum balance to obtain APY for CD Specials is $500.00; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
12 Month Certificates of Deposit
$0
3.85%
▲ 0.98% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 0.98% above avgNationally 2.99%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
12 Month Certificates
$0
3.76%
▲ 0.89% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.89% above avgNationally 2.99%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.76% APY · checked 2 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
6-12 Month CD Special
$0
3.75%
▲ 0.88% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 0.88% above avgNationally 2.99%
Details
Pick Your Term CD Specials; Special interest rate and APY, offered only on a limited time basis
Rate History
No change since Oct 3, 2026 · 3.75% APY · checked 5 times
Premier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
800 9th St, Des Moines, IA 50309
12 Month Kirby Kids CD
$100
3.70%
▲ 0.83% above Iowa avg
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.83% above avgNationally 2.99%
Details
12-month add-on CD; ongoing deposits allowed during the term; monthly savings updates; fixed-term savings structure
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Lincoln Savings Bank
Institution Rating:
D3.5 ★Texas Ratio: 33.42%
1922 Ingersoll Ave, Des Moines, IA 50309
Certificate of Deposit (CD) - 12 Months
$2,500
3.60%
▲ 0.73% above Iowa avg
▼
Rate3.56%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 0.73% above avgNationally 2.99%
Details
Interest compounded quarterly; Public funds not eligible; Renews automatically for 12 months at new rate
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 12 Month
$100,000
3.54%
▲ 0.67% above Iowa avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 0.67% above avgNationally 2.99%
Details
Opening minimum tier: $100,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 3.54% APY
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 1 Year
$0
3.45%
▲ 0.58% above Iowa avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.58% above avgNationally 2.99%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 12 Month
$2,000
3.28%
▲ 0.41% above Iowa avg
▼
Rate3.24%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 0.41% above avgNationally 2.99%
Details
Opening minimum tier: $2,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 3.28% APY
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
12 Month Business Share Certificates
$0
3.20%
▲ 0.33% above Iowa avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.33% above avgNationally 2.99%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
12 Month Share Certificates
$1,000
3.20%
▲ 0.33% above Iowa avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.33% above avgNationally 2.99%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 1-year (add-on)
$500
3.03%
▲ 0.16% above Iowa avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 0.16% above avgNationally 2.99%
Details
Add-on: additions may be made any time at the original rate; each addition at least $150; total additions cannot exceed $10,000; Penalty: 3 month
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 2 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
3.00%
▲ 0.13% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 0.13% above avgNationally 2.99%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
2.90%
▲ 0.03% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 0.03% above avgNationally 2.99%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
2.80%
▼ 0.07% below Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▼ 0.07% below avgNationally 2.99%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
2.70%
▼ 0.17% below Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▼ 0.17% below avgNationally 2.99%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.70% APY
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 1 Year
$0
2.70%
▼ 0.17% below Iowa avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 0.17% below avgNationally 2.99%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
12 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
1.80%
▼ 1.07% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.07% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 1.80% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates - 12 month
$0
1.76%
▼ 1.11% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 1.11% below avgNationally 2.99%
Details
IRA Certificates: $25,000 minimum; minimum balance required to earn stated APY
Rate History
1 change since Oct 13, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75%
- Oct 19, 20261.76%▲ from 1.75%
- Oct 13, 20261.75%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificate 12 month
$0
1.75%
▼ 1.12% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 1.12% below avgNationally 2.99%
Details
Minimum $25,000; Dividend Rate and APY
Rate History
1 change since Sep 14, 2026 · 1.26% → 1.75% ▲ 0.49 pts · high 1.75% / low 1.26%
- Sep 18, 20261.75%▲ from 1.26%
- Sep 14, 20261.26%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
12 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
1.70%
▼ 1.17% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.17% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
12 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
1.60%
▼ 1.27% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.27% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 1.60% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.36% below Iowa avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.36% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
115 7th Street, Des Moines, IA 50309
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.37% below Iowa avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.37% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
12 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
1.50%
▼ 1.37% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.37% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 1.50% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
12 Month Certificate of Deposit
$0
1.30%
▼ 1.57% below Iowa avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.57% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Base Interest Rate (Consumer Rate Sheet)
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 2 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
12 Month Certificate
$0
1.26%
▼ 1.61% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 1.61% below avgNationally 2.99%
Details
Certificates/IRA Certificates: $1,000 minimum; Dividend rate 1.25%
Rate History
1 change since Sep 14, 2026 · 4.06% → 1.26% ▼ 2.80 pts · high 4.06% / low 1.26%
- Oct 19, 20261.26%▼ from 4.06%
- Sep 14, 20264.06%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates/IRA Certificates - 12 Month
$0
1.26%
▼ 1.61% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 1.61% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
12 Month Legacy IRA CD
$0
1.00%
▼ 1.87% below Iowa avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▼ 1.87% below avgNationally 2.99%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
12 Month Standard IRA CD
$0
1.00%
▼ 1.87% below Iowa avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▼ 1.87% below avgNationally 2.99%
Details
Balance: $0.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
Des Moines 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
4605 Fleur Dr, Des Moines, IA 50321
Certificate of Deposit 18 Months
$0
4.42%
▲ 1.51% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.51% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.42% APY · checked 3 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
18 Month CD Special
$0
4.25%
▲ 1.34% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.34% above avgNationally 2.88%
Details
CD Specials; Special interest rate and APY, offered only on a limited time basis
Rate History
1 change since Sep 24, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 8, 20264.25%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Certificate Specials - 18 Months
$0
4.08%
▲ 1.17% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.17% above avgNationally 2.88%
Details
Balance: Minimum $5,000 balance required; New Money only brought in from other financials; no existing funds are eligible; Current rates as of 10/01/2026
Rate History
No change since Oct 13, 2026 · 4.08% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
18 Month Certificates of Deposit
$0
4.00%
▲ 1.09% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.09% above avgNationally 2.88%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 18 Months
$0
4.00%
▲ 1.09% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.09% above avgNationally 2.88%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
18 Month Certificates of Deposit
$0
3.85%
▲ 0.94% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 0.94% above avgNationally 2.88%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 18-month
$250
3.81%
▲ 0.90% above Iowa avg
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.90% above avgNationally 2.88%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 2 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 18-month
$5,000
3.81%
▲ 0.90% above Iowa avg
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.90% above avgNationally 2.88%
Details
Penalty: 6 month
Rate History
No change since Oct 13, 2026 · 3.81% APY · checked 2 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificate
$0
3.80%
▲ 0.89% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.89% above avgNationally 2.88%
Details
Dividend rate 3.75%; Minimum $10,000 to earn stated APY; Rates as of 2/10/2025
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 4 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Incredible Certificate (CD)
$0
3.80%
▲ 0.89% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.89% above avgNationally 2.88%
Details
Limited time offer
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
18 Month Special Certificates
$0
3.76%
▲ 0.85% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.85% above avgNationally 2.88%
Details
$10,000 Minimum
Rate History
No change since Oct 13, 2026 · 3.76% APY · checked 2 times
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
18 Month CD
$0
3.75%
▲ 0.84% above Iowa avg
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 0.84% above avgNationally 2.88%
Details
Balance to obtain APY: $500+; Minimum balance to obtain APY for CD Specials is $500.00; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Lincoln Savings Bank
Institution Rating:
D3.5 ★Texas Ratio: 33.42%
1922 Ingersoll Ave, Des Moines, IA 50309
Certificate of Deposit (CD) - 18 Months
$2,500
3.30%
▲ 0.39% above Iowa avg
▼
Rate3.26%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 0.39% above avgNationally 2.88%
Details
Interest compounded quarterly; Public funds not eligible; Renews automatically for 12 months at new rate
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
18 Month Business Share Certificates
$0
3.25%
▲ 0.34% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.34% above avgNationally 2.88%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
18 Month Share Certificates
$1,000
3.25%
▲ 0.34% above Iowa avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 0.34% above avgNationally 2.88%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
18 Month Certificate of Deposit
$0
3.00%
▲ 0.09% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 0.09% above avgNationally 2.88%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
18 Month Certificate of Deposit
$0
2.90%
▼ 0.01% below Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.01% below avgNationally 2.88%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
18 Month Certificate of Deposit
$0
2.80%
▼ 0.11% below Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.11% below avgNationally 2.88%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
18 Month Certificate of Deposit
$0
2.70%
▼ 0.21% below Iowa avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.21% below avgNationally 2.88%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.70% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificate 18 month
$0
2.02%
▼ 0.89% below Iowa avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 0.89% below avgNationally 2.88%
Details
Minimum $25,000; Dividend Rate and APY
Rate History
1 change since Sep 14, 2026 · 1.26% → 2.02% ▲ 0.76 pts · high 2.02% / low 1.26%
- Sep 18, 20262.02%▲ from 1.26%
- Sep 14, 20261.26%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
18 Month Certificate
$0
1.26%
▼ 1.65% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 1.65% below avgNationally 2.88%
Details
Certificates/IRA Certificates: $1,000 minimum; Dividend rate 1.25%
Rate History
1 change since Sep 14, 2026 · 3.80% → 1.26% ▼ 2.54 pts · high 3.80% / low 1.26%
- Oct 19, 20261.26%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates/IRA Certificates - 18 Month
$0
1.26%
▼ 1.65% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 1.65% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
18 Month Legacy IRA CD
$0
1.21%
▼ 1.70% below Iowa avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▼ 1.70% below avgNationally 2.88%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.21% APY · checked 2 times
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
601 E Court Ave, Des Moines, IA 50309
18 Month CD
$1,000
0.75%
▼ 2.16% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 2.16% below avgNationally 2.88%
Details
Balance: $1,000.00 and above; APY as of 09/18/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.16% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 2.16% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
18 Month Standard CD
$1,000
0.75%
▼ 2.16% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▼ 2.16% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 18 Month
$0
4.45%
▲ 1.54% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.54% above avgNationally 2.88%
Details
Balance: $100,000 and above
Rate History
2 changes since Sep 18, 2026 · 4.24% → 4.45% ▲ 0.21 pts · high 4.45% / low 4.24%
- Oct 20, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD
$0
4.45%
▲ 1.54% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.54% above avgNationally 2.88%
Details
Special
Rate History
No change since Oct 20, 2026 · 4.45% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.49% above Iowa avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 1.49% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 18 Month
$0
4.30%
▲ 1.39% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.39% above avgNationally 2.88%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.30% ▲ 0.06 pts · high 4.30% / low 4.24%
- Oct 20, 20264.30%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
18 Month CD
$0
4.30%
▲ 1.39% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.39% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.36% → 4.30% ▲ 1.94 pts · high 4.30% / low 2.36%
- Oct 14, 20264.30%▲ from 4.10%
- Oct 2, 20264.10%▲ from 2.36%
- Sep 18, 20262.36%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Jumbo Certificate
$100,000
4.30%
▲ 1.39% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 1.39% above avgNationally 2.88%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.34% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.34% above avgNationally 2.88%
Details
Available in Dubuque, Lubbock, Albuquerque, and Boise Only; Bump-up: may increase rate once during the term if Capra's rates increase; Valid for new customers; $10,000 minimum opening deposit in new funds required; Must have or open an active Elevate or Summit checking account
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 9 times
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 Month Share Certificate
$500
4.25%
▲ 1.34% above Iowa avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 1.34% above avgNationally 2.88%
Details
Current rates effective as of October 13, 2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 19, 20264.25%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Ascentra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Certificate - 18 Months
$500
4.25%
▲ 1.34% above Iowa avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 1.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 0.70% → 4.25% ▲ 3.55 pts · high 4.25% / low 0.70%
- Oct 19, 20264.25%▲ from 0.70%
- Sep 14, 20260.70%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18 Month Share Certificate
$1,000
4.20%
▲ 1.29% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.91%▲ 1.29% above avgNationally 2.88%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 4 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18 Month Certificate
$1,000
4.15%
▲ 1.24% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.24% above avgNationally 2.88%
Details
Compounded semi-annually
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 3, 20264.15%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Specials
$25,000
4.15%
▲ 1.24% above Iowa avg
▼
Rate4.09%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.24% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit
$1,000
4.14%
▲ 1.23% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.23% above avgNationally 2.88%
Details
Balance: $100,000.00 and Over
Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 3 times
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 18 Months
$1,000
4.14%
▲ 1.23% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.23% above avgNationally 2.88%
Details
Adjust-A-Rate CD: during the first term, the owner may exchange the rate once per maturity at no cost; rates effective as of August 26, 2026; subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 4.14% APY · checked 7 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
7 - 18 Month Certificate of Deposit
$5,000
4.10%
▲ 1.19% above Iowa avg
▼
Rate4.04%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.91%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Oct 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 23, 20264.10%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
Certificate of Deposit - 7-18 Month
$5,000
4.10%
▲ 1.19% above Iowa avg
▼
Rate4.04%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.91%▲ 1.19% above avgNationally 2.88%
Details
Rates effective as of 10/20/2026
Rate History
1 change since Oct 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 23, 20264.10%▲ from 4.00%
- Oct 12, 20264.00%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$1,000
4.06%
▲ 1.15% above Iowa avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.15% above avgNationally 2.88%
Details
Balance: $100,000+; $1,000 minimum deposit to open account
Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 7 times
First Security State Bank Evansdale, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
18 Month CD Specials
$5,000
4.05%
▲ 1.14% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposits (CDs) - 18 Month
$0
4.04%
▲ 1.13% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.13% above avgNationally 2.88%
Details
Interest Paid: Semi-Annually; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 2 times
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.13% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.13% above avgNationally 2.88%
Details
A penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 4.04% ▲ 0.46 pts · high 4.04% / low 3.58%
- Oct 3, 20264.04%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate of Deposit - 18 Months
$0
4.04%
▲ 1.13% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 1.13% above avgNationally 2.88%
Details
Penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 4.04% ▲ 0.46 pts · high 4.04% / low 3.58%
- Oct 3, 20264.04%▲ from 3.58%
- Sep 14, 20263.58%first recorded
State Bank Spirit Lake, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
18 Month CD
$1,000
4.04%
▲ 1.13% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.91%▲ 1.13% above avgNationally 2.88%
Details
Semi Annual Interest; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.04% APY · checked 2 times
Success Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
CD Special - 18 Month
$25,000
4.02%
▲ 1.11% above Iowa avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 1.11% above avgNationally 2.88%
Details
CD Special - You Pick Your Term!; Contact customer service at 641-664-2265 to learn more
Rate History
No change since Oct 20, 2026 · 4.02% APY · checked 2 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month Certificate of Deposit
$1,000
3.99%
▲ 1.08% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.08% above avgNationally 2.88%
Details
Balance: $0.00 - $24,999.99
Rate History
No change since Oct 14, 2026 · 3.99% APY · checked 3 times
Des Moines 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24 Month Youth Mini Certificates of Deposit
$0
4.65%
▲ 1.90% above Iowa avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.90% above avgNationally 2.90%
Details
Balance: $250 - $1,000; Members ages 17 and under; Rates effective 10/1/2026
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.65%
▲ 1.90% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.90% above avgNationally 2.90%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-Month Certificate
$1,000
4.65%
▲ 1.90% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.90% above avgNationally 2.90%
Details
Balance: $100,000 and over; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.55%
▲ 1.80% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.80% above avgNationally 2.90%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-Month Certificate
$1,000
4.55%
▲ 1.80% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.80% above avgNationally 2.90%
Details
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 3 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
4605 Fleur Dr, Des Moines, IA 50321
Certificate of Deposit 24 Months
$0
4.50%
▲ 1.75% above Iowa avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.75% above avgNationally 2.90%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
24-Month Certificate
$1,000
4.44%
▲ 1.69% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.69% above avgNationally 2.90%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
- Oct 9, 20264.44%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 24-Month Certificate
$1,000
4.44%
▲ 1.69% above Iowa avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.69% above avgNationally 2.90%
Details
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.44% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
24 Month Certificates of Deposit
$0
4.00%
▲ 1.25% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.25% above avgNationally 2.90%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 24 Months
$0
4.00%
▲ 1.25% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.25% above avgNationally 2.90%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Jumbo Certificates
$0
3.97%
▲ 1.22% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.22% above avgNationally 2.90%
Details
$100,000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.97% ▲ 0.10 pts · high 3.97% / low 3.87%
- Sep 18, 20263.97%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Premier Certificates
$0
3.87%
▲ 1.12% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.12% above avgNationally 2.90%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Youth Certificates
$500
3.87%
▲ 1.12% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.12% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Sep 18, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
24 Month Certificates of Deposit
$0
3.85%
▲ 1.10% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.10% above avgNationally 2.90%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 7, 20263.85%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Twin Cedars Bank
Institution Rating:
D3.5 ★Texas Ratio: 32.68%
2222 Grand Avenue, Des Moines, IA 50312
24 Month CD
$0
3.70%
▲ 0.95% above Iowa avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.95% above avgNationally 2.90%
Details
Balance to obtain APY: $500+; Minimum balance to obtain APY for CD Specials is $500.00; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
24 Month Certificates
$0
3.56%
▲ 0.81% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.81% above avgNationally 2.90%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month Certificate
$0
3.55%
▲ 0.80% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.80% above avgNationally 2.90%
Details
Dividend rate 3.50%; Minimum $10,000 to earn stated APY; Rates as of 2/10/2025
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month Incredible Certificate (CD)
$0
3.55%
▲ 0.80% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.80% above avgNationally 2.90%
Details
Limited time offer
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Lincoln Savings Bank
Institution Rating:
D3.5 ★Texas Ratio: 33.42%
1922 Ingersoll Ave, Des Moines, IA 50309
Certificate of Deposit (CD) - 24 Months
$2,500
3.30%
▲ 0.55% above Iowa avg
▼
Rate3.26%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▲ 0.55% above avgNationally 2.90%
Details
Interest compounded quarterly; Public funds not eligible; Renews automatically for 12 months at new rate
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
24 Month Business Share Certificates
$0
3.29%
▲ 0.54% above Iowa avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.54% above avgNationally 2.90%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
24 Month Share Certificates
$1,000
3.29%
▲ 0.54% above Iowa avg
▼
Rate3.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.54% above avgNationally 2.90%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 5 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
3.10%
▲ 0.35% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.35% above avgNationally 2.90%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
2 Year Certificate of Deposit
$0
3.03%
▲ 0.28% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.28% above avgNationally 2.90%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 2 Years
$0
3.03%
▲ 0.28% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.28% above avgNationally 2.90%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 24 Month
$100,000
3.03%
▲ 0.28% above Iowa avg
▼
Rate2.99%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.28% above avgNationally 2.90%
Details
Opening minimum tier: $100,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 3.03% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
3.00%
▲ 0.25% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.25% above avgNationally 2.90%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
2 Year Certificate of Deposit
$0
3.00%
▲ 0.25% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 0.25% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 days interest (terms over 12 months); IRA CDs also available at these terms; Dividends paid quarterly
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.00% ▼ 0.03 pts · high 3.03% / low 3.00%
- Oct 19, 20263.00%▼ from 3.03%
- Sep 18, 20263.03%first recorded
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
2.90%
▲ 0.15% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.15% above avgNationally 2.90%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
2.80%
▲ 0.05% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.05% above avgNationally 2.90%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 24 Month
$2,000
2.77%
▲ 0.02% above Iowa avg
▼
Rate2.74%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 0.02% above avgNationally 2.90%
Details
Opening minimum tier: $2,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.77% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificates - 24 month
$0
2.53%
▼ 0.22% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.22% below avgNationally 2.90%
Details
IRA Certificates: $25,000 minimum; minimum balance required to earn stated APY
Rate History
1 change since Oct 13, 2026 · 2.52% → 2.53% ▲ 0.01 pts · high 2.53% / low 2.52%
- Oct 19, 20262.53%▲ from 2.52%
- Oct 13, 20262.52%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificate 24 month
$0
2.52%
▼ 0.23% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.23% below avgNationally 2.90%
Details
Minimum $25,000; Dividend Rate and APY
Rate History
1 change since Sep 14, 2026 · 1.76% → 2.52% ▲ 0.76 pts · high 2.52% / low 1.76%
- Sep 18, 20262.52%▲ from 1.76%
- Sep 14, 20261.76%first recorded
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
2 Year Certificate of Deposit
$0
2.27%
▼ 0.48% below Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.48% below avgNationally 2.90%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 2 Years
$0
2.27%
▼ 0.48% below Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.48% below avgNationally 2.90%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 2.27% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 24 Month
$500
2.26%
▼ 0.49% below Iowa avg
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▼ 0.49% below avgNationally 2.90%
Details
Opening minimum tier: $500.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.26% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
24 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
1.85%
▼ 0.90% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 0.90% below avgNationally 2.90%
Details
Term: 24 Months (24-35 Months); Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 1.85% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
24 Month Certificate
$0
1.76%
▼ 0.99% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.99% below avgNationally 2.90%
Details
Certificates/IRA Certificates: $1,000 minimum; Dividend rate 1.75%
Rate History
1 change since Sep 14, 2026 · 3.55% → 1.76% ▼ 1.79 pts · high 3.55% / low 1.76%
- Oct 19, 20261.76%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates/IRA Certificates - 24 Month
$0
1.76%
▼ 0.99% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 0.99% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 1.76% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
24 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
1.75%
▼ 1.00% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 1.00% below avgNationally 2.90%
Details
Term: 24 Months (24-35 Months); Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
24 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
1.65%
▼ 1.10% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 1.10% below avgNationally 2.90%
Details
Term: 24 Months (24-35 Months); Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 1.65% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
24 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
1.55%
▼ 1.20% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 1.20% below avgNationally 2.90%
Details
Term: 24 Months (24-35 Months); Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 1.55% APY
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Regular & IRA Certificate - 24 months
$500
1.52%
▼ 1.23% below Iowa avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▼ 1.23% below avgNationally 2.90%
Details
Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 1.52% APY · checked 8 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
24 Month Certificate of Deposit
$0
1.35%
▼ 1.40% below Iowa avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 1.40% below avgNationally 2.90%
Details
Term: 24 Months (24-35 Months); Base Interest Rate (Consumer Rate Sheet)
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
24 Month Legacy IRA CD
$0
1.31%
▼ 1.44% below Iowa avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▼ 1.44% below avgNationally 2.90%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.31% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
24 Month Standard IRA CD
$0
1.21%
▼ 1.54% below Iowa avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▼ 1.54% below avgNationally 2.90%
Details
Balance: $0.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.21% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.00% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 2.00% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
24 Month Standard CD
$1,000
0.75%
▼ 2.00% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 2.00% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Collins Community Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.10%
601 E Court Ave, Des Moines, IA 50309
24 Month CD
$1,000
0.50%
▼ 2.25% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▼ 2.25% below avgNationally 2.90%
Details
Balance: $1,000.00 and above; APY as of 09/18/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 2 times
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
24 Month CD
$0
4.50%
▲ 1.75% above Iowa avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▲ 1.75% above avgNationally 2.90%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Oct 2, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 14, 20264.50%▲ from 4.25%
- Oct 2, 20264.25%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$1,000
4.50%
▲ 1.75% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.75% above avgNationally 2.90%
Details
Balance: $1,000+; $1,000 minimum deposit to open account
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 7 times
Des Moines 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.70%
▲ 2.09% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 2.09% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-Month Certificate
$1,000
4.70%
▲ 2.09% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 2.09% above avgNationally 2.81%
Details
Balance: $100,000 and over; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.60%
▲ 1.99% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.99% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-Month Certificate
$1,000
4.60%
▲ 1.99% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.99% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
36-Month Certificate
$1,000
4.49%
▲ 1.88% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.88% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.49% ▲ 0.67 pts · high 4.49% / low 3.82%
- Oct 9, 20264.49%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 36-Month Certificate
$1,000
4.49%
▲ 1.88% above Iowa avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.88% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.49% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Jumbo Certificates
$0
3.87%
▲ 1.26% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.26% above avgNationally 2.81%
Details
$100,000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
- Sep 18, 20263.87%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
36 Month Certificates of Deposit
$0
3.80%
▲ 1.19% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.19% above avgNationally 2.81%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 10 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 36 Months
$0
3.80%
▲ 1.19% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.19% above avgNationally 2.81%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Premier Certificates
$0
3.76%
▲ 1.15% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.15% above avgNationally 2.81%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.76% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
IRA 36 Month Share Certificate
$1,000
3.75%
▲ 1.14% above Iowa avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.14% above avgNationally 2.81%
Details
IRA Savings: $1000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Sep 18, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
36 Month Certificates of Deposit
$0
3.65%
▲ 1.04% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.04% above avgNationally 2.81%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 9 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
36 Month Certificates
$0
3.45%
▲ 0.84% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 0.84% above avgNationally 2.81%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
36 Month Business Share Certificates
$0
3.31%
▲ 0.70% above Iowa avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 0.70% above avgNationally 2.81%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.31% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
36 Month Share Certificates
$1,000
3.31%
▲ 0.70% above Iowa avg
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 0.70% above avgNationally 2.81%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.31% APY · checked 5 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Certificates
$0
3.25%
▲ 0.64% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 0.64% above avgNationally 2.81%
Details
Dividends are compounded yearly
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 1.75%
- Oct 19, 20263.25%▲ from 1.75%
- Oct 13, 20261.75%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Incredible Certificate (CD)
$0
3.25%
▲ 0.64% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 0.64% above avgNationally 2.81%
Details
Limited time offer
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
36 Month Certificate of Deposit
$0
3.10%
▲ 0.49% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 0.49% above avgNationally 2.81%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
36 Month Certificate of Deposit
$0
3.00%
▲ 0.39% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 0.39% above avgNationally 2.81%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
36 Month Certificate of Deposit
$0
2.90%
▲ 0.29% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 0.29% above avgNationally 2.81%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
36 Month Certificate of Deposit
$0
2.80%
▲ 0.19% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 0.19% above avgNationally 2.81%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
36 Month Standard IRA CD
$0
2.68%
▲ 0.07% above Iowa avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 0.07% above avgNationally 2.81%
Details
Balance: $0.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 2.68% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 36 Month
$100,000
2.51%
▼ 0.10% below Iowa avg
▼
Rate2.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.10% below avgNationally 2.81%
Details
Opening minimum tier: $100,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.51% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
IRA Certificate 36 month
$0
2.50%
▼ 0.11% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.11% below avgNationally 2.81%
Details
Minimum $25,000; Dividend Rate and APY; Dividends are compounded yearly
Rate History
1 change since Sep 14, 2026 · 1.75% → 2.50% ▲ 0.75 pts · high 2.50% / low 1.75%
- Sep 18, 20262.50%▲ from 1.75%
- Sep 14, 20261.75%first recorded
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
3 Year Certificate of Deposit
$0
2.32%
▼ 0.29% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.29% below avgNationally 2.81%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 2.32% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 3 Years
$0
2.32%
▼ 0.29% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.29% below avgNationally 2.81%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 2.32% APY · checked 2 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 36 Month
$2,000
2.26%
▼ 0.35% below Iowa avg
▼
Rate2.24%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.35% below avgNationally 2.81%
Details
Opening minimum tier: $2,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.26% APY
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Regular & IRA Certificate - 36 months
$500
2.02%
▼ 0.59% below Iowa avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.59% below avgNationally 2.81%
Details
Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
36 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
1.90%
▼ 0.71% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 0.71% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
36 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
1.80%
▼ 0.81% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 0.81% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 1.80% APY
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
3 Year Certificate of Deposit
$0
1.76%
▼ 0.85% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.85% below avgNationally 2.81%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 3 Years
$0
1.76%
▼ 0.85% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.85% below avgNationally 2.81%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 1.76% APY · checked 2 times
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
36 Month Certificate
$0
1.75%
▼ 0.86% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.86% below avgNationally 2.81%
Details
Certificates/IRA Certificates: $1,000 minimum; Dividend rate 1.75%; dividends compounded yearly
Rate History
1 change since Sep 29, 2026 · 3.25% → 1.75% ▼ 1.50 pts · high 3.25% / low 1.75%
- Oct 19, 20261.75%▼ from 3.25%
- Sep 29, 20263.25%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
475 NW Hoffman Ln, Des Moines, IA 50313 2261
Certificates/IRA Certificates - 36 Month
$0
1.75%
▼ 0.86% below Iowa avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 0.86% below avgNationally 2.81%
Details
Dividends are compounded yearly
Rate History
No change since Oct 13, 2026 · 1.75% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
36 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
1.70%
▼ 0.91% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 0.91% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
36 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
1.60%
▼ 1.01% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 1.01% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 1.60% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
36 Month Certificate of Deposit
$0
1.40%
▼ 1.21% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 1.21% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Base Interest Rate (Consumer Rate Sheet)
Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
36 Month Legacy IRA CD
$0
1.36%
▼ 1.25% below Iowa avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▼ 1.25% below avgNationally 2.81%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.36% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.86% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 1.86% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
36 Month Standard CD
$1,000
0.75%
▼ 1.86% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▼ 1.86% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$2,000
4.55%
▲ 1.94% above Iowa avg
▼
Rate4.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.94% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
1 change since Oct 14, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
- Oct 20, 20264.55%▲ from 4.50%
- Oct 14, 20264.50%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 36 Month
$2,000
4.55%
▲ 1.94% above Iowa avg
▼
Rate4.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.94% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
No change since Oct 20, 2026 · 4.55% APY
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$1,000
4.50%
▲ 1.89% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.89% above avgNationally 2.81%
Details
Balance: $10,000+; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 7 times
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
36 Month Certificate of Deposit
$5,000
4.50%
▲ 1.89% above Iowa avg
▼
Rate4.43%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.61%▲ 1.89% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.50% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 36 Month
$2,000
4.40%
▲ 1.79% above Iowa avg
▼
Rate4.35%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.79% above avgNationally 2.81%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Oct 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 20, 20264.40%▲ from 4.35%
- Oct 14, 20264.35%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 36 Month
$2,000
4.40%
▲ 1.79% above Iowa avg
▼
Rate4.35%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.79% above avgNationally 2.81%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 20, 2026 · 4.40% APY
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 36 Months
$0
4.35%
▲ 1.74% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.74% above avgNationally 2.81%
Details
Balance: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.35% APY
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
CD Specials - 36 Month CD
$5,000
4.30%
▲ 1.69% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.69% above avgNationally 2.81%
Details
Limited Time Only; Compound Frequency: Semi Annual
Rate History
No change since Oct 21, 2026 · 4.30% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.27%
▲ 1.66% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.66% above avgNationally 2.81%
Details
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 36 Months
$0
4.25%
▲ 1.64% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.64% above avgNationally 2.81%
Details
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.25% APY
Des Moines 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.75%
▲ 2.07% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 2.07% above avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08%
- Oct 9, 20264.75%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-Month Certificate
$1,000
4.75%
▲ 2.07% above Iowa avg
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 2.07% above avgNationally 2.81%
Details
Balance: $100,000 and over; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.75% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.65%
▲ 1.97% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.97% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97%
- Oct 9, 20264.65%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-Month Certificate
$1,000
4.65%
▲ 1.97% above Iowa avg
▼
Rate4.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.97% above avgNationally 2.81%
Details
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.65% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
48-Month Certificate
$1,000
4.55%
▲ 1.87% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.87% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87%
- Oct 9, 20264.55%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 48-Month Certificate
$1,000
4.55%
▲ 1.87% above Iowa avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.87% above avgNationally 2.81%
Details
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.55% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
48 Month Certificates of Deposit
$0
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.81%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 10 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 48 Months
$0
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.81%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Jumbo Certificates
$0
3.76%
▲ 1.08% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.08% above avgNationally 2.81%
Details
$100,000 Minimum
Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
- Sep 18, 20263.76%▲ from 3.71%
- Sep 14, 20263.71%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Premier Certificates
$0
3.66%
▲ 0.98% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 0.98% above avgNationally 2.81%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.66% APY · checked 2 times
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
520 E Grand Ave, Des Moines, IA 50309
48-Month CD
$5
3.65%
▲ 0.97% above Iowa avg
▼
RateN/A
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 0.97% above avgNationally 2.81%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 7 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
48 Month Certificates of Deposit
$0
3.65%
▲ 0.97% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.97% above avgNationally 2.81%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 9 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
48 Month Certificates
$0
3.35%
▲ 0.67% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 0.67% above avgNationally 2.81%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
48 Month Business Share Certificates
$0
3.33%
▲ 0.65% above Iowa avg
▼
Rate3.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 0.65% above avgNationally 2.81%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
48 Month Share Certificates
$1,000
3.33%
▲ 0.65% above Iowa avg
▼
Rate3.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 0.65% above avgNationally 2.81%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.33% APY · checked 5 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
48 Month Certificate of Deposit
$0
3.10%
▲ 0.42% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 0.42% above avgNationally 2.81%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
48 Month Certificate of Deposit
$0
3.00%
▲ 0.32% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 0.32% above avgNationally 2.81%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
48 Month Certificate of Deposit
$0
2.90%
▲ 0.22% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 0.22% above avgNationally 2.81%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
48 Month Certificate of Deposit
$0
2.80%
▲ 0.12% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 0.12% above avgNationally 2.81%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 48 Month
$100,000
2.26%
▼ 0.42% below Iowa avg
▼
Rate2.24%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.42% below avgNationally 2.81%
Details
Opening minimum tier: $100,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.26% APY
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
48 Month Variable Certificate
$0
2.07%
▼ 0.61% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.61% below avgNationally 2.81%
Details
Variable rate certificate; Regular & IRA Certificates
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 7 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Regular & IRA Certificate - 48 months
$500
2.07%
▼ 0.61% below Iowa avg
▼
Rate2.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.61% below avgNationally 2.81%
Details
Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 8 times
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
303 Euclid Ave, Des Moines, IA 50313 4349
Share Certificate - 48 Month
$2,000
2.01%
▼ 0.67% below Iowa avg
▼
Rate2.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.67% below avgNationally 2.81%
Details
Opening minimum tier: $2,000.00; APY accurate as of 01/01/2026
Rate History
No change since Oct 22, 2026 · 2.01% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
48 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
1.95%
▼ 0.73% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 0.73% below avgNationally 2.81%
Details
Term: 48 Months (48-59 Months); Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 1.95% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
48 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
1.85%
▼ 0.83% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 0.83% below avgNationally 2.81%
Details
Term: 48 Months (48-59 Months); Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 1.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
48 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
1.75%
▼ 0.93% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 0.93% below avgNationally 2.81%
Details
Term: 48 Months (48-59 Months); Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
48 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
1.65%
▼ 1.03% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 1.03% below avgNationally 2.81%
Details
Term: 48 Months (48-59 Months); Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 1.65% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
48 Month Certificate of Deposit
$0
1.45%
▼ 1.23% below Iowa avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 1.23% below avgNationally 2.81%
Details
Term: 48 Months (48-59 Months); Base Interest Rate (Consumer Rate Sheet)
Rate History
No change since Oct 14, 2026 · 1.45% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
48 Month Legacy IRA CD
$0
1.41%
▼ 1.27% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▼ 1.27% below avgNationally 2.81%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.41% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
48 Month Standard IRA CD
$0
1.41%
▼ 1.27% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▼ 1.27% below avgNationally 2.81%
Details
Balance: $0.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.41% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.93% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▼ 1.93% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
48 Month Standard CD
$1,000
0.75%
▼ 1.93% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▼ 1.93% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$2,000
4.50%
▲ 1.82% above Iowa avg
▼
Rate4.45%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 1.82% above avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
1 change since Oct 14, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 20, 20264.50%▲ from 4.45%
- Oct 14, 20264.45%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$1,000
4.50%
▲ 1.82% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.82% above avgNationally 2.81%
Details
Balance: $10,000+; $1,000 minimum deposit to open account; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 7 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 48 Month
$2,000
4.35%
▲ 1.67% above Iowa avg
▼
Rate4.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 1.67% above avgNationally 2.81%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 20, 20264.35%▲ from 4.30%
- Oct 14, 20264.30%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.27%
▲ 1.59% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.59% above avgNationally 2.81%
Details
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
Exchange State Bank Ames, IA
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Certificates of Deposit - 48 Months
$0
4.25%
▲ 1.57% above Iowa avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.57% above avgNationally 2.81%
Details
Balance: $10,000 and over; Minimum Balance to Open: $10,000
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 6 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year CD
$1,000
4.16%
▲ 1.48% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.48% above avgNationally 2.81%
Details
Balance: $1,000-$99,999; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.11%
- Sep 24, 20264.11%▲ from 4.06%
- Sep 20, 20264.06%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 48-month
$0
4.15%
▲ 1.47% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.47% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
- Oct 5, 20264.15%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 48-month IRA
$0
4.10%
▲ 1.42% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.42% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Jumbo Certificates
$0
4.05%
▲ 1.37% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.37% above avgNationally 2.81%
Details
APY current as of 10/01/2026; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30%
- Oct 13, 20264.05%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$1,000
4.04%
▲ 1.36% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 1.36% above avgNationally 2.81%
Details
Balance: $100,000.00 and Over
Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 3 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$1,000
4.00%
▲ 1.32% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.32% above avgNationally 2.81%
Details
Balance: $1,000+; $1,000 minimum deposit to open account; penalty may be imposed for early withdrawal
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
48 Month Certificates
$0
4.00%
▲ 1.32% above Iowa avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 19, 20264.00%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48 Month Certificate
$1,000
3.90%
▲ 1.22% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.22% above avgNationally 2.81%
Details
Compounded semi-annually
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 3, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month CD
$500
3.85%
▲ 1.17% above Iowa avg
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.17% above avgNationally 2.81%
Details
Certificate of Deposit Accounts; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 3.85% APY · checked 6 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Time Certificates - 48 Month
$5,000
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.76%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.81%
Details
Effective Thru 10/20/2026; Compound Frequency: Semi-Annually
Rate History
No change since Oct 21, 2026 · 3.80% APY
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
4 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 1.12% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 3.80% APY · checked 6 times
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate of Deposit
$1,000
3.79%
▲ 1.11% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 1.11% above avgNationally 2.81%
Details
Balance: $0.00 - $24,999.99
Rate History
No change since Oct 14, 2026 · 3.79% APY · checked 3 times
Des Moines 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.92%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13%
- Oct 9, 20264.80%▲ from 4.13%
- Sep 14, 20264.13%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-Month Certificate
$1,000
4.80%
▲ 2.10% above Iowa avg
▼
Rate4.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 2.10% above avgNationally 2.92%
Details
Balance: $100,000 and over; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.80% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.92%
Details
Balance: $50,000 to $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02%
- Oct 9, 20264.70%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-Month Certificate
$1,000
4.70%
▲ 2.00% above Iowa avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 2.00% above avgNationally 2.92%
Details
Balance: $50,000 to $99,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.70% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
60-Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.92%
Details
Balance: $1000 to $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92%
- Oct 9, 20264.60%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
423 E Court Ave, Des Moines, IA 50309 2010
IRA & ESA Certificate of Deposit 60-Month Certificate
$1,000
4.60%
▲ 1.90% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.90% above avgNationally 2.92%
Details
Balance: $1000 to $49,999.99; Minimum of $1,000 Deposit; Rates as of 10/1/2026
Rate History
No change since Oct 9, 2026 · 4.60% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
60 Month Certificates of Deposit
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.92%
Details
Balance: $15,000.00 and over; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 10 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
Traditional and Roth IRA - 60 Months
$0
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.92%
Details
Balance: $500 & Over; Interest Paid Quarterly; Auto Renew Yes
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Jumbo Certificates
$0
3.71%
▲ 1.01% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.01% above avgNationally 2.92%
Details
$100,000 Minimum
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
3401 Sw 9th St, Des Moines, IA 50315
60 Month Certificates of Deposit
$0
3.65%
▲ 0.95% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 0.95% above avgNationally 2.92%
Details
Balance: $1,000.00 - $14,999.99; Interest Paid: Quarterly; Automatically Renewable: Yes
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 9 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Premier Certificates
$0
3.61%
▲ 0.91% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.91% above avgNationally 2.92%
Details
Balance: $60,000.00 - $99,999.99
Rate History
No change since Oct 13, 2026 · 3.61% APY · checked 2 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
60 Month Business Share Certificates
$0
3.35%
▲ 0.65% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.92%
Details
Interest compounded monthly unless paid directly to you; Withdrawal of earnings could reduce APY; Early withdrawal penalty of 180 days of interest will be imposed; $5,000 minimum balance per table footnote
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
600 E 30th St, Des Moines, IA 50317 2406
60 Month Share Certificates
$1,000
3.35%
▲ 0.65% above Iowa avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.65% above avgNationally 2.92%
Details
Interest compounded monthly unless paid directly to you; early withdrawal penalty of 90 days of interest
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
1400 2nd Ave, Des Moines, IA 50314 3403
60 Month Certificates
$0
3.25%
▲ 0.55% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.55% above avgNationally 2.92%
Details
$2,500 Minimum
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
60 Month Certificate of Deposit
$0
3.10%
▲ 0.40% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 0.40% above avgNationally 2.92%
Details
Balance: $250,000 and over; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
IRA Share Certificates 5-year
$250
3.03%
▲ 0.33% above Iowa avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.33% above avgNationally 2.92%
Details
Penalty: 6 month
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 2 times
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
100 University Ave, Des Moines, IA 50314 3121
Share Certificates - 5-year
$5,000
3.03%
▲ 0.33% above Iowa avg
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.33% above avgNationally 2.92%
Details
Penalty: 6 month
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 2 times
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
60 Month Certificate of Deposit
$0
3.00%
▲ 0.30% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 0.30% above avgNationally 2.92%
Details
Balance: $100,000 - $249,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
60 Month Certificate of Deposit
$0
2.90%
▲ 0.20% above Iowa avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 0.20% above avgNationally 2.92%
Details
Balance: $25,000 - $99,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.90% APY
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
809 6th Ave, Des Moines, IA 50309
60 Month Certificate of Deposit
$0
2.80%
▲ 0.10% above Iowa avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 0.10% above avgNationally 2.92%
Details
Balance: $1,000 - $24,999; Rates effective: 10/1/2026
Rate History
No change since Oct 22, 2026 · 2.80% APY
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
60 Month Standard IRA CD
$0
2.78%
▲ 0.08% above Iowa avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 0.08% above avgNationally 2.92%
Details
Balance: $0.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 2.78% APY · checked 2 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
5 Year Certificate of Deposit
$0
2.37%
▼ 0.33% below Iowa avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 0.33% below avgNationally 2.92%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 2.37% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 5 Years
$0
2.37%
▼ 0.33% below Iowa avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 0.33% below avgNationally 2.92%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 2.37% APY · checked 2 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
60 Month Variable Certificate
$0
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.92%
Details
Variable rate certificate; Regular & IRA Certificates
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 7 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
60 Month Variable Education Certificate
$0
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.92%
Details
Variable rate education certificate; Regular & IRA Certificates
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 7 times
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
4303 Fleur Dr, Des Moines, IA 50321 2327
Regular & IRA Certificate - 60 months
$500
2.13%
▼ 0.57% below Iowa avg
▼
Rate2.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.57% below avgNationally 2.92%
Details
Minimum $500 balance required
Rate History
No change since Sep 14, 2026 · 2.13% APY · checked 8 times
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
612 Army Post Rd, Des Moines, IA 50315
Certificate of Deposit 60 Month
$0
2.10%
▼ 0.60% below Iowa avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.60% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 3 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
60 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
2.00%
▼ 0.70% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 0.70% below avgNationally 2.92%
Details
Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 20, 2026 · 2.00% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
60 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
1.90%
▼ 0.80% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 0.80% below avgNationally 2.92%
Details
Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 20, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
60 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
1.80%
▼ 0.90% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 0.90% below avgNationally 2.92%
Details
Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 20, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
60 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
1.70%
▼ 1.00% below Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 1.00% below avgNationally 2.92%
Details
Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 20, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
453 7th St, Des Moines, IA 50309
60 Month Certificate of Deposit
$0
1.50%
▼ 1.20% below Iowa avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 1.20% below avgNationally 2.92%
Details
Base Interest Rate (Consumer Rate Sheet)
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
Principal Bank
Institution Rating:
C+3.0 ★Texas Ratio: 2.65%
750 Park Street, Des Moines, IA 50309
60 Month Legacy IRA CD
$0
1.41%
▼ 1.29% below Iowa avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▼ 1.29% below avgNationally 2.92%
Details
Balance: $1,000.00 through $249,999.99
Rate History
No change since Oct 20, 2026 · 1.41% APY · checked 2 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
5 Year Certificate of Deposit
$0
1.26%
▼ 1.44% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 1.44% below avgNationally 2.92%
Details
IRA CDs also available at these current terms
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 6 times
Capitol View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
623 E 12th St, Des Moines, IA 50309
Certificate of Deposit - 5 Years
$0
1.26%
▼ 1.44% below Iowa avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 1.44% below avgNationally 2.92%
Details
IRA CDs also available at these current terms
Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.95% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2596 Hubbell Ave, Des Moines, IA 50317
60 Month Standard CD
$1,000
0.75%
▼ 1.95% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▼ 1.95% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 60-month
$0
4.66%
▲ 1.96% above Iowa avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.96% above avgNationally 2.92%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65%
- Oct 5, 20264.66%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 60-month IRA
$0
4.61%
▲ 1.91% above Iowa avg
▼
Rate4.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.91% above avgNationally 2.92%
Details
Traditional, Roth, and Coverdell IRA account; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.61% APY · checked 2 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Jumbo Certificates
$0
4.55%
▲ 1.85% above Iowa avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.85% above avgNationally 2.92%
Details
APY current as of 10/01/2026; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55%
- Oct 13, 20264.55%▲ from 3.55%
- Sep 22, 20263.55%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$2,000
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.45%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.92%
Details
Balance: $100,000 and above
Rate History
1 change since Oct 14, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 20, 20264.50%▲ from 4.45%
- Oct 14, 20264.45%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$1,000
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.92%
Details
Balance: $10,000+; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 7 times
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
60 Month Certificates
$0
4.50%
▲ 1.80% above Iowa avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.80% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 13, 20264.50%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 60 Months
$0
4.45%
▲ 1.75% above Iowa avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.75% above avgNationally 2.92%
Details
Balance: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.45% APY
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Relationship CD
$500
4.40%
▲ 1.70% above Iowa avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.70% above avgNationally 2.92%
Details
Must have a loan, deposit, or trust and investment account with City State Bank; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 4.40% APY · checked 6 times
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 5 Year
$2,000
4.35%
▲ 1.65% above Iowa avg
▼
Rate4.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▲ 1.65% above avgNationally 2.92%
Details
Balance: $2,000 to $99,999.99
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 20, 20264.35%▲ from 4.30%
- Oct 14, 20264.30%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 60 Months
$0
4.35%
▲ 1.65% above Iowa avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.65% above avgNationally 2.92%
Details
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.35% APY
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month CD
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.92%
Details
Certificate of Deposit Accounts; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 6 times
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month IRA
$500
4.30%
▲ 1.60% above Iowa avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.60% above avgNationally 2.92%
Details
IRA Accounts; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 4.30% APY · checked 6 times
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.27%
▲ 1.57% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.57% above avgNationally 2.92%
Details
Balance: $100,000 & over; Minimum $1,000 to open; APY based on quarterly compounding; Penalty for early withdrawal applies
Rate History
2 changes since Sep 20, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 4.16%
- Oct 3, 20264.27%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 20, 20264.16%first recorded
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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.
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Des Moines, IA CD Rate Trends
Compare local Des Moines, 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
2.866%
▼ 0.006 vs 7 days ago
Iowa 12-month CD rates fell 0.006 points over the past 7 days to 2.866% APY.
6-Month CD IA Avg
2.798%
▲ 0.046 vs 7 days ago
Iowa 6-month CD rates rose 0.046 points over the past 7 days to 2.798% APY.
As of Oct 25, 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 October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.866%
6-Month Forecast
2.866%
Range: 2.67%, 3.02%
12-Month Forecast
3.116%
Range: 2.92%, 3.27%
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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 | 1.899% | $94.97 | $189.93 | $474.83 | $949.65 |
| 6-Month CD | 2.798% | $139.88 | $279.76 | $699.40 | $1,398.80 |
| 12-Month CD | 2.866% | $143.31 | $286.62 | $716.55 | $1,433.10 |
| 18-Month CD | 2.912% | $145.62 | $291.23 | $728.08 | $1,456.15 |
| 24-Month CD | 2.749% | $137.47 | $274.94 | $687.35 | $1,374.70 |
| 36-Month CD | 2.614% | $130.70 | $261.40 | $653.50 | $1,307.00 |
| 48-Month CD | 2.683% | $134.14 | $268.27 | $670.68 | $1,341.35 |
| 60-Month CD | 2.701% | $135.06 | $270.12 | $675.30 | $1,350.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Des Moines, 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 | 1.899% | $94.97 |
| 2 | 6-Month CD | $5,000 | 2.798% | $139.88 |
| 3 | 12-Month CD | $5,000 | 2.866% | $143.31 |
| 4 | 24-Month CD | $5,000 | 2.749% | $137.47 |
| 5 | 36-Month CD | $5,000 | 2.614% | $130.70 |
| Total ($25,000 invested) | $25,000 | 2.585% blended | $646.33/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.
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1,441
CD Rates
Tracked in Des Moines, Iowa
Tracked in Des Moines, Iowa
73 Banks
36 Credit Unions
About Our Des Moines, Iowa CD Rate Database
MonitorBankRates tracks 1,441 CD rates from 73 banks and 36 credit unions with locations in Des Moines, 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 to 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: Serve Credit Union offers a CD at 4.80% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Des Moines, Iowa.
How to Find the Best CD Rates in Des Moines, Iowa
What to compare when shopping for a CD in Des Moines, Iowa
To find the best APYs in Des Moines, Iowa, start with credit unions and online-only banks: Des Moines, Iowa has 36 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 Des Moines, 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 Des Moines, Iowa: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Des Moines, Iowa savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Des Moines, Iowa money market rates
Des Moines, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.7%
National avg: 17.3%
Median Individual Earnings
$41,192
National avg: $47,340
Poverty Rate
15.0%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At IA 12-mo avg 2.866% APY
12.7% of residents are 65 or older, below the national average of 17.3%. At today’s IA 12-month CD average of 2.866%, saving 10% of the local median salary ($4,119/year) and putting it in a CD would earn an additional $118 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 Des Moines, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Des Moines, Iowa
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Des Moines, Iowa typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Des Moines, Iowa as everywhere in the U.S.
Choosing a CD Term in Des Moines, Iowa
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Des Moines, Iowa savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-Month CD Special at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Serve Credit Union is offering its 60-Month Certificate at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Des Moines, Iowa Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Des Moines, Iowa saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Des Moines, Iowa
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Des Moines, Iowa CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Des Moines, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Des Moines, Iowa depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Des Moines, Iowa
Are CD rates in Des Moines, Iowa FDIC insured?
Yes, most established banks in Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa?
Here are recent top rates found for this area:
- Serve Credit Union: 4.80% APY (60-Month Certificate)
- Midwest Heritage Bank: 4.50% APY (Certificate of Deposit 24 Months)
- TruBank: 4.35% APY (6-12 Month CD Special)
- Vibrant Credit Union: 4.25% APY (6-Month CD Special)
- Journey Credit Union: 4.23% APY (6 Month Jumbo Certificates)
- Financial Plus Credit Union: 4.08% APY (Certificate Specials - 18 Months)
- Bankers Trust Company: 4.06% APY (3 Month CD - Platinum Loyalty Tier)
- Affinity Credit Union: 4.06% APY (12 Month Certificate)
- Des Moines Metro Credit Union: 4.01% APY (IRA Share Certificates 6-month)
- Earlham Savings Bank: 4.00% APY (12 Month Certificates of Deposit)
Rates reflect recent verified offers available in Des Moines, Iowa. Last Updated: October 23, 2026
Des Moines, Iowa CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Des Moines, Iowa rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Des Moines, Iowa
Des Moines, Iowa CD Calculator
At today’s IA top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.
Des Moines, Iowa CD LadderIA CD rates currently range from 1.899% (3-month) to 2.614% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Des Moines, Iowa CD at 4.80% APY, know your exit cost. Most institutions charge 90 to 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 2.866% 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 Des Moines, 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 Des Moines, 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 Des Moines, 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: October 23, 2026
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