Johnston, Iowa Best CD Rates October 2026
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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.
Johnston, Iowa CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of October 23, 2026. Current Johnston, Iowa CD rates include Empeople Credit UnionEmpeople Credit Union6400 NW 86th St, Johnston, IA 50131 2945A+5.0 ★Texas Ratio: 5.75%Real return: +0.70%APY minus CPIRate verified Oct 19, 2026 offering IRA/HSA & Share Certificates - 18 Month Certificate at 4.40% APY, Grinnell State BankGrinnell State Bank5601 Merle Hay Rd, Johnston, IA 50131A-5.0 ★Texas Ratio: 14.50%Real return: -0.02%APY minus CPIRate verified Oct 22, 2026 offering 6 Month Certificate at 3.68% APY, Charter Bank IACharter Bank IA5526 Nw 86th St, Johnston, IA 50131A+5.0 ★Texas Ratio: 0.00%Real return: -0.70%APY minus CPIRate verified Oct 21, 2026 offering 12 Month Certificate of Deposit at 3.00% APY, Bank IowaBank Iowa5580 Merle Hay Rd, Johnston, IA 50131A5.0 ★Texas Ratio: 12.73%Real return: -1.87%APY minus CPIRate verified Oct 20, 2026 offering 18 Month CD at 1.83% APY, and Wells FargoWells Fargo5880 Merle Hay Rd, Johnston, IA 50131A+5.0 ★Texas Ratio: 5.36%Real return: -2.19%APY minus CPIRate verified Oct 20, 2026 offering Standard Fixed Rate CD 1 year - Relationship at 1.51% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Johnston has 84 local institutions in our database, with CD rates as high as 4.40% APY from Empeople Credit Union at 6400 NW 86th St, Johnston, IA 50131 2945. 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 Johnston, Iowa & the Surrounding Area
Johnston 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
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
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
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
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
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
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
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%
5601 Merle Hay Rd, Johnston, IA 50131
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%
5601 Merle Hay Rd, Johnston, IA 50131
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%
5601 Merle Hay Rd, Johnston, IA 50131
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
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
3 Month CD
$0
1.01%
▼ 0.89% below Iowa avg
▼
Rate1.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average1.90%▼ 0.89% below avgNationally 2.13%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5880 Merle Hay Rd, Johnston, IA 50131
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%
5880 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
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
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
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
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
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
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
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
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
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
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
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
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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
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
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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
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
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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
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
West Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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
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
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
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
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
Johnston 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
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
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
6 Month Certificate
$1,000
3.68%
▲ 0.88% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.88% above avgNationally 2.78%
Details
Balance: $50,000 and over; Variable
Rate History
No change since Sep 24, 2026 · 3.68% APY · checked 7 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 6 month
$0
3.68%
▲ 0.88% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.88% above avgNationally 2.78%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 3.68% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
6 Month Certificate
$1,000
3.58%
▲ 0.78% above Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.78% above avgNationally 2.78%
Details
Balance: $15,000 and over; Variable
Rate History
No change since Sep 24, 2026 · 3.58% APY · checked 7 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 6 month
$0
3.58%
▲ 0.78% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▲ 0.78% above avgNationally 2.78%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 3.58% APY · checked 2 times
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
6 Month Certificate of Deposit
$10,000
3.00%
▲ 0.20% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▲ 0.20% above avgNationally 2.78%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
6 Month Certificate of Deposit
$1,000
2.75%
▼ 0.05% below Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.80%▼ 0.05% below avgNationally 2.78%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
6 Month Certificate
$1,000
2.06%
▼ 0.74% below Iowa avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▼ 0.74% below avgNationally 2.78%
Details
Balance: $1,000 and over; Variable
Rate History
No change since Sep 24, 2026 · 2.06% APY · checked 7 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 6 month
$0
2.06%
▼ 0.74% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.80%▼ 0.74% below avgNationally 2.78%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.06% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
6 Month CD
$0
1.54%
▼ 1.26% below Iowa avg
▼
Rate1.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.80%▼ 1.26% below avgNationally 2.78%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.54% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5880 Merle Hay Rd, Johnston, IA 50131
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%
5880 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.44%
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
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
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
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
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
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
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
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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%
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
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
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
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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%
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%
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%
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
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
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 6 Months - 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
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 3.92% APY · checked 2 times
R.I.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate - 6 Months
$0
3.92%
▲ 1.12% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.80%▲ 1.12% above avgNationally 2.78%
Details
Dividend Frequency: Monthly
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 10 times
Johnston 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30%
▲ 1.43% above Iowa avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.43% above avgNationally 2.99%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.30% APY
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
12 Month Certificate of Deposit
$10,000
3.00%
▲ 0.13% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 0.13% above avgNationally 2.99%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.00% ▼ 0.65 pts · high 3.65% / low 3.00%
- Oct 20, 20263.00%▼ from 3.65%
- Sep 19, 20263.65%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
12 Month Certificate of Deposit
$1,000
2.75%
▼ 0.12% below Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▼ 0.12% below avgNationally 2.99%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 3.65% → 2.75% ▼ 0.90 pts · high 3.65% / low 2.75%
- Oct 20, 20262.75%▼ from 3.65%
- Sep 19, 20263.65%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 12 month
$0
2.27%
▼ 0.60% below Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▼ 0.60% below avgNationally 2.99%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 12 month
$0
2.17%
▼ 0.70% below Iowa avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▼ 0.70% below avgNationally 2.99%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.17% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 12 month
$0
2.07%
▼ 0.80% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▼ 0.80% below avgNationally 2.99%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.07% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
12 Month CD
$0
1.70%
▼ 1.17% below Iowa avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▼ 1.17% below avgNationally 2.99%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5880 Merle Hay Rd, Johnston, IA 50131
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%
5880 Merle Hay Rd, Johnston, IA 50131
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
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.12% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 2.12% below avgNationally 2.99%
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%
5721 Merle Hay Rd, Johnston, IA 50131
12 Month Standard CD
$1,000
0.75%
▼ 2.12% below Iowa avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▼ 2.12% below avgNationally 2.99%
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
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Jumbo Certificate
$100,000
4.40%
▲ 1.53% above Iowa avg
▼
Rate4.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.53% above avgNationally 2.99%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 9, 20264.40%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 12 Month
$0
4.35%
▲ 1.48% above Iowa avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.48% above avgNationally 2.99%
Details
Balance: $100,000 and above
Rate History
2 changes since Sep 18, 2026 · 4.24% → 4.35% ▲ 0.11 pts · high 4.35% / low 4.24%
- Oct 20, 20264.35%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.24%
- Sep 18, 20264.24%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 12 Month
$2,000
4.35%
▲ 1.48% above Iowa avg
▼
Rate4.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.48% above avgNationally 2.99%
Details
Balance: $100,000 and above
Rate History
No change since Oct 20, 2026 · 4.35% APY
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
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
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit
$1,000
4.30%
▲ 1.43% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.43% above avgNationally 2.99%
Details
Balance: $100,000.00 and Over
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
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
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Certificate of Deposit - 12 Month
$1,000
4.30%
▲ 1.43% above Iowa avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.43% above avgNationally 2.99%
Details
Rates effective as of August 26, 2026. Subject to penalty for early withdrawal.
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Share Certificate
$1,000
4.30%
▲ 1.43% above Iowa avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.43% above avgNationally 2.99%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 9, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
4.27%
▲ 1.40% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.40% above avgNationally 2.99%
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
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
1 Year Share Certificate
$500
4.25%
▲ 1.38% above Iowa avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.38% above avgNationally 2.99%
Details
Current rates effective as of October 13, 2026
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Oct 19, 20264.25%▲ from 4.10%
- Sep 18, 20264.10%first recorded
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
1 Year Star Saver Share Certificate
$100
4.25%
▲ 1.38% above Iowa avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.38% above avgNationally 2.99%
Details
Star Saver; $100.00 minimum; Current rates effective as of October 13, 2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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%
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
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
12 Month Time Deposit
$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
Balance: $100,000 - and above; Interest Compounded: Quarterly
Rate History
No change since Oct 22, 2026 · 4.20% APY
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
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
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12 Month KIDS CD & 2 Add-Ons
$0
4.19%
▲ 1.32% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.32% above avgNationally 2.99%
Details
Kid's CD; individual must be 18 years of age or younger; two additional deposits may be made during the 12 month term, minimum deposit of $100 for each deposit; Balance: $500 and above
Rate History
2 changes since Sep 18, 2026 · 4.04% → 4.19% ▲ 0.15 pts · high 4.19% / low 4.04%
- Oct 20, 20264.19%▲ from 4.14%
- Sep 27, 20264.14%▲ from 4.04%
- Sep 18, 20264.04%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 12 Month
$0
4.19%
▲ 1.32% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.32% above avgNationally 2.99%
Details
Balance: $2,000 to $99,999.99
Rate History
2 changes since Sep 18, 2026 · 4.09% → 4.19% ▲ 0.10 pts · high 4.19% / low 4.09%
- Oct 20, 20264.19%▲ from 4.14%
- Sep 27, 20264.14%▲ from 4.09%
- Sep 18, 20264.09%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Featured CD Specials - 12 Month
$2,000
4.19%
▲ 1.32% above Iowa avg
▼
Rate4.15%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.32% above avgNationally 2.99%
Details
Balance: $2,000 to $99,999.99
Rate History
No change since Oct 20, 2026 · 4.19% APY
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Kid's CD 12 Month & 2 Add-Ons
$500
4.19%
▲ 1.32% above Iowa avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.32% above avgNationally 2.99%
Details
Deposit Amount: $500 and above; To qualify the individual must be 18 years of age or younger; Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit
Rate History
1 change since Oct 14, 2026 · 4.14% → 4.19% ▲ 0.05 pts · high 4.19% / low 4.14%
- Oct 20, 20264.19%▲ from 4.14%
- Oct 14, 20264.14%first recorded
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
4.16%
▲ 1.29% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.29% above avgNationally 2.99%
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
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate and IRA 12 Months - Member Loyalty
$0
4.15%
▲ 1.28% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.28% above avgNationally 2.99%
Details
Balance: $100,000.00 & greater; Member Loyalty APY; Quarterly
Rate History
No change since Oct 19, 2026 · 4.15% APY
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 12-month
$0
4.15%
▲ 1.28% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.28% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal.
Rate History
1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16%
- Oct 5, 20264.15%▲ from 3.16%
- Sep 14, 20263.16%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month Certificate of Deposit
$1,000
4.14%
▲ 1.27% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.27% above avgNationally 2.99%
Details
Balance: $0.00 - $24,999.99
Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 3 times
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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
Fidelity Bank & Trust (IA)
Institution Rating:
A5.0 ★Texas Ratio: 12.05%
12 Month CD
$0
4.10%
▲ 1.23% above Iowa avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.87%▲ 1.23% above avgNationally 2.99%
Details
Balance: $500.00 - $99,999.99
Rate History
2 changes since Sep 18, 2026 · 2.31% → 4.10% ▲ 1.79 pts · high 4.10% / low 2.31%
- Oct 14, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▲ from 2.31%
- Sep 18, 20262.31%first recorded
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
12 Month Time Deposit
$0
4.10%
▲ 1.23% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.23% above avgNationally 2.99%
Details
Balance: $7,500 - $99,999.99; Interest Compounded: Quarterly
Rate History
No change since Oct 22, 2026 · 4.10% APY
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month Certificate
$1,000
4.10%
▲ 1.23% above Iowa avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.87%▲ 1.23% above avgNationally 2.99%
Details
Balance: $25,000 and above; Compounded semi-annually
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 3, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 12-month IRA
$0
4.10%
▲ 1.23% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.87%▲ 1.23% above avgNationally 2.99%
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
Community Savings Bank Edgewood, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Certificate of Deposit 1 Year
$1,000
4.07%
▲ 1.20% above Iowa avg
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.87%▲ 1.20% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
Community Savings Bank Edgewood, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
IRA 1 Year
$1,000
4.07%
▲ 1.20% above Iowa avg
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.87%▲ 1.20% above avgNationally 2.99%
Details
Footnote (3)
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificate of Deposit - 12-month CD
$0
4.06%
▲ 1.19% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.19% above avgNationally 2.99%
Details
APY for $25,000 minimum deposit; early withdrawal penalty will or may be imposed
Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 12 Month
$0
4.06%
▲ 1.19% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.19% above avgNationally 2.99%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 3 times
Sloan State Bank
Institution Rating:
C3.7 ★Texas Ratio: 21.53%
Certificate of Deposit - 12 Months Special
$20,000
4.06%
▲ 1.19% above Iowa avg
▼
Rate4.00%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.87%▲ 1.19% above avgNationally 2.99%
Details
Special 12 month certificate
Rate History
1 change since Sep 11, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 11, 20264.06%▲ from 3.29%
- Sep 11, 20263.29%first recorded
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
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%
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
Johnston 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
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
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
18 Month Certificate of Deposit
$10,000
3.00%
▲ 0.09% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 0.09% above avgNationally 2.88%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
18 Month Certificate of Deposit
$1,000
2.75%
▼ 0.16% below Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▼ 0.16% below avgNationally 2.88%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 18 month
$0
2.27%
▼ 0.64% below Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.64% below avgNationally 2.88%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 18 month
$0
2.17%
▼ 0.74% below Iowa avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.74% below avgNationally 2.88%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.17% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 18 month
$0
2.07%
▼ 0.84% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▼ 0.84% below avgNationally 2.88%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.07% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
18 Month CD
$0
1.83%
▼ 1.08% below Iowa avg
▼
Rate1.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▼ 1.08% below avgNationally 2.88%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.83% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
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
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
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
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
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
Financial Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
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
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
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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%
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
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
First National Bank Ames, Iowa
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
Special Term CDs - 18 Month CD
$25,000
3.91%
▲ 1.00% above Iowa avg
▼
Rate3.85%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.91%▲ 1.00% above avgNationally 2.88%
Details
Rate History
1 change since Oct 14, 2026 · 3.60% → 3.91% ▲ 0.31 pts · high 3.91% / low 3.60%
- Oct 20, 20263.91%▲ from 3.60%
- Oct 14, 20263.60%first recorded
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Time Deposit
$0
3.90%
▲ 0.99% above Iowa avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 0.99% above avgNationally 2.88%
Details
Balance: $100,000 and above; Interest Compounded: Quarterly
Rate History
No change since Oct 22, 2026 · 3.90% APY
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
Certificates of Deposit - 18 Month
$10,000
3.85%
▲ 0.94% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 0.94% above avgNationally 2.88%
Details
Balance tier: $10,000 minimum
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 21, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
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%
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
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Time Deposit
$0
3.80%
▲ 0.89% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 0.89% above avgNationally 2.88%
Details
Balance: $7,500 - $99,999.99; Interest Compounded: Quarterly
Rate History
No change since Oct 22, 2026 · 3.80% APY
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
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%
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
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$1,000
3.76%
▲ 0.85% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.91%▲ 0.85% above avgNationally 2.88%
Details
Balance: $10,000+; $1,000 minimum deposit to open account
Rate History
No change since Sep 24, 2026 · 3.76% APY · checked 7 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
18 Month Certificates of Deposit (CDs)
$500
3.75%
▲ 0.84% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 0.84% above avgNationally 2.88%
Details
Penalty for early withdrawal
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 4 times
Westside State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 18 Months
$500
3.75%
▲ 0.84% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.91%▲ 0.84% above avgNationally 2.88%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 5 times
Johnston 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25%
▲ 1.50% above Iowa avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.50% above avgNationally 2.90%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.25% APY
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
24 Month Certificate of Deposit
$10,000
3.00%
▲ 0.25% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 0.25% above avgNationally 2.90%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
24 Month Certificate of Deposit
$1,000
2.75%
At Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%At the averageNationally 2.90%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 24 month
$0
2.27%
▼ 0.48% below Iowa avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▼ 0.48% below avgNationally 2.90%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 24 month
$0
2.17%
▼ 0.58% below Iowa avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▼ 0.58% below avgNationally 2.90%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.17% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 24 month
$0
2.07%
▼ 0.68% below Iowa avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▼ 0.68% below avgNationally 2.90%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.07% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
24 Month CD
$0
1.61%
▼ 1.14% below Iowa avg
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▼ 1.14% below avgNationally 2.90%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.61% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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%
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%
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%
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
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
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
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
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
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month Time Share Certificate
$0
4.50%
▲ 1.75% above Iowa avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.75% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Oct 9, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 24 Month
$0
4.45%
▲ 1.70% above Iowa avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▲ 1.70% above avgNationally 2.90%
Details
Balance: $100,000 and above
Rate History
2 changes since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
- Oct 20, 20264.45%▲ from 4.40%
- Sep 27, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
24 Month Certificate of Deposit
$5,000
4.40%
▲ 1.65% above Iowa avg
▼
Rate4.33%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.75%▲ 1.65% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Diamond
$500
4.35%
▲ 1.60% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.60% above avgNationally 2.90%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months - Diamond
$500
4.35%
▲ 1.60% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.60% above avgNationally 2.90%
Details
Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24 Month Jumbo Certificate
$100,000
4.35%
▲ 1.60% above Iowa avg
▼
Rate4.28%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.60% above avgNationally 2.90%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 9, 20264.35%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Certificate of Deposit - 24 Month
$0
4.30%
▲ 1.55% above Iowa avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▲ 1.55% above avgNationally 2.90%
Details
Balance: $2,000 to $99,999.99
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
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit - Platinum
$500
4.30%
▲ 1.55% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.55% above avgNationally 2.90%
Details
Relationship Package Qualifications apply; Early withdrawal penalty may be imposed
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months - Platinum
$500
4.30%
▲ 1.55% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.55% above avgNationally 2.90%
Details
Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
CD Specials - 24 Month CD
$5,000
4.30%
▲ 1.55% above Iowa avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.55% above avgNationally 2.90%
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%
2 Year CD
$1,000
4.27%
▲ 1.52% above Iowa avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.52% above avgNationally 2.90%
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 - 24 Months
$0
4.25%
▲ 1.50% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.50% above avgNationally 2.90%
Details
Balance: $225,000.00 and above; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.25% APY
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
2 Year Share Certificate
$500
4.25%
▲ 1.50% above Iowa avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.50% above avgNationally 2.90%
Details
Current rates effective as of October 13, 2026
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
- Oct 19, 20264.25%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24 Month Share Certificate
$1,000
4.25%
▲ 1.50% above Iowa avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.75%▲ 1.50% above avgNationally 2.90%
Details
Limited Time Special; Penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 9, 20264.25%▲ from 4.20%
- Sep 18, 20264.20%first recorded
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Silver Certificate
$25,000
4.24%
▲ 1.49% above Iowa avg
▼
Rate4.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.49% above avgNationally 2.90%
Details
Penalty: 180 days of interest
Rate History
No change since Oct 21, 2026 · 4.24% APY
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.22%
▲ 1.47% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.47% above avgNationally 2.90%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
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%
2 Year CD
$1,000
4.16%
▲ 1.41% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.41% above avgNationally 2.90%
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
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
24 Month Certificate of Deposit
$500
4.15%
▲ 1.40% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.40% above avgNationally 2.90%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.06%
Certificate of Deposits (CDs) 24 Months
$500
4.15%
▲ 1.40% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.40% above avgNationally 2.90%
Details
Base APY; Early withdrawal penalty may be imposed
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month Certificate
$1,000
4.15%
▲ 1.40% above Iowa avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.40% above avgNationally 2.90%
Details
Compounded semi-annually
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 3, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 24 Months
$0
4.15%
▲ 1.40% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.40% above avgNationally 2.90%
Details
Balance: $125,000.00-$224,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.15% APY
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Certificate of Deposit
$1,000
4.14%
▲ 1.39% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.75%▲ 1.39% above avgNationally 2.90%
Details
Balance: $100,000.00 and Over
Rate History
No change since Oct 14, 2026 · 4.14% APY · checked 3 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.11%
▲ 1.36% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.36% above avgNationally 2.90%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 4.11% APY · checked 3 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Certificates of Deposits (CDs) - 2 Year
$0
4.09%
▲ 1.34% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.34% above avgNationally 2.90%
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 · 4.09% APY · checked 2 times
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificate of Deposit - 24-month CD
$0
4.06%
▲ 1.31% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.31% above avgNationally 2.90%
Details
APY for $25,000 minimum deposit; early withdrawal penalty will or may be imposed
Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 24 Month
$0
4.06%
▲ 1.31% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.31% above avgNationally 2.90%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 4.06% APY · checked 3 times
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 month CD Special
$500
4.05%
▲ 1.30% above Iowa avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.30% above avgNationally 2.90%
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
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24-Month CD Special
$500
4.05%
▲ 1.30% above Iowa avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.30% above avgNationally 2.90%
Details
Limited-time CD special; $500 minimum deposit to obtain APY; Rates effective as of September 21, 2026; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 24 Months
$0
4.05%
▲ 1.30% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.75%▲ 1.30% above avgNationally 2.90%
Details
Balance: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.05% APY
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificate of Deposit - 24-month CD
$0
4.04%
▲ 1.29% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.29% above avgNationally 2.90%
Details
APY for $5,000 minimum deposit; early withdrawal penalty will or may be imposed
Rate History
No change since Oct 20, 2026 · 4.04% APY · checked 2 times
St. Ansgar State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Certificate
$5,000
4.04%
▲ 1.29% above Iowa avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.75%▲ 1.29% above avgNationally 2.90%
Details
Penalty: 180 days of interest
Rate History
1 change since Sep 29, 2026 · 3.53% → 4.04% ▲ 0.51 pts · high 4.04% / low 3.53%
- Oct 21, 20264.04%▲ from 3.53%
- Sep 29, 20263.53%first recorded
Johnston 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00%
▲ 1.39% above Iowa avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.00% APY
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
36 Month Certificate of Deposit
$10,000
3.00%
▲ 0.39% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 0.39% above avgNationally 2.81%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
36 Month Certificate of Deposit
$1,000
2.75%
▲ 0.14% above Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 0.14% above avgNationally 2.81%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 36 month
$0
2.32%
▼ 0.29% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.29% below avgNationally 2.81%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.32% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 36 month
$0
2.22%
▼ 0.39% below Iowa avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.39% below avgNationally 2.81%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.22% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 36 month
$0
2.12%
▼ 0.49% below Iowa avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▼ 0.49% below avgNationally 2.81%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.12% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
36 Month CD
$0
1.49%
▼ 1.12% below Iowa avg
▼
Rate1.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 1.12% below avgNationally 2.81%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.49% APY · checked 3 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
36 Month Step Up CD
$0
1.27%
▼ 1.34% below Iowa avg
▼
Rate1.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▼ 1.34% below avgNationally 2.81%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.27% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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%
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%
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
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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
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
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Raise-A-Rate
$5,000
4.21%
▲ 1.60% above Iowa avg
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.60% above avgNationally 2.81%
Details
Raise-A-Rate certificate
Rate History
1 change since Oct 7, 2026 · 4.00% → 4.21% ▲ 0.21 pts · high 4.21% / low 4.00%
- Oct 11, 20264.21%▲ from 4.00%
- Oct 7, 20264.00%first recorded
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
4.16%
▲ 1.55% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.55% 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
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 36 Months
$0
4.15%
▲ 1.54% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.54% above avgNationally 2.81%
Details
Balance: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.15% APY
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 month CD Special One Way
$500
4.10%
▲ 1.49% above Iowa avg
▼
Rate4.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.49% above avgNationally 2.81%
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
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 24, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Certificate of Deposit
$1,000
4.04%
▲ 1.43% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.43% 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
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.43% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.43% above avgNationally 2.81%
Details
A penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate of Deposit - 36 Months
$0
4.04%
▲ 1.43% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.43% above avgNationally 2.81%
Details
Penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$1,000
4.00%
▲ 1.39% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Balance: $1,000+; Early withdrawal penalty may apply
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%
Jumbo Individual Retirement Account Certificates - 36-month
$0
3.91%
▲ 1.30% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.30% 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% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36 Month Certificate
$1,000
3.90%
▲ 1.29% above Iowa avg
▼
Rate3.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.29% above avgNationally 2.81%
Details
Rate may be changed one time during term of certificate; 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
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 36 Months
$1,000
3.89%
▲ 1.28% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.28% above avgNationally 2.81%
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 · 3.89% APY · checked 7 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
Individual Retirement Account Certificates - 36-month IRA
$0
3.85%
▲ 1.24% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.24% 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 · 3.85% APY · checked 2 times
Iowa State Bank Clarksville, IA
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Time Certificates - 36 Month
$3,000
3.81%
▲ 1.20% above Iowa avg
▼
Rate3.77%
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.20% above avgNationally 2.81%
Details
Effective Thru 10/20/2026; Compound Frequency: Semi-Annually
Rate History
No change since Oct 21, 2026 · 3.81% APY
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Step CD - 3 Year Step
$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
Step CD: eligible to step up rate once during the CD term, any time after the initial 12 months; Interest Paid: Quarterly; $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
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 36 Month
$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
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
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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%
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
Marine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.08%
36 Month Jumbo Certificates
$0
3.80%
▲ 1.19% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.61%▲ 1.19% 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% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 13, 20263.80%▲ from 3.30%
- Sep 22, 20263.30%first recorded
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Certificate of Deposit
$1,000
3.79%
▲ 1.18% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.61%▲ 1.18% 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
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
Primebank
Institution Rating:
A-4.9 ★Texas Ratio: 16.11%
Certificates of Deposit - 36 Month
$10,000
3.75%
▲ 1.14% above Iowa avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.61%▲ 1.14% above avgNationally 2.81%
Details
Balance tier: $10,000 minimum
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 21, 20263.75%▲ from 3.50%
- Sep 24, 20263.50%first recorded
City State Bank Norwalk, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month CD
$500
3.75%
▲ 1.14% above Iowa avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.61%▲ 1.14% above avgNationally 2.81%
Details
Certificate of Deposit Accounts; Effective 09/25/2026
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 6 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
Johnston 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75%
▲ 1.07% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.07% above avgNationally 2.81%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.75% APY
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
48 Month Certificate of Deposit
$10,000
3.00%
▲ 0.32% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.32% above avgNationally 2.81%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
48 Month Certificate of Deposit
$1,000
2.75%
▲ 0.07% above Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.07% above avgNationally 2.81%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 48 month
$0
2.42%
▼ 0.26% below Iowa avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.26% below avgNationally 2.81%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.42% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 48 month
$0
2.32%
▼ 0.36% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.36% below avgNationally 2.81%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.32% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 48 month
$0
2.22%
▼ 0.46% below Iowa avg
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▼ 0.46% below avgNationally 2.81%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.22% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
48 Month CD
$0
1.42%
▼ 1.26% below Iowa avg
▼
Rate1.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▼ 1.26% below avgNationally 2.81%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.42% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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%
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%
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%
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%
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
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
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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%
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
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
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 48 Months
$2,500
3.75%
▲ 1.07% above Iowa avg
▼
Rate3.72%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.07% above avgNationally 2.81%
Details
Individual Retirement Account (IRA) certificate
Rate History
No change since Oct 21, 2026 · 3.75% APY
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 48 Months
$500
3.75%
▲ 1.07% above Iowa avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.68%▲ 1.07% above avgNationally 2.81%
Details
Interest paid monthly; Fees may reduce earnings; penalty may be imposed for early withdrawals
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.70%
▲ 1.02% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 1.02% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
Time Certificate of Deposit - 48 months
$1,000
3.70%
▲ 1.02% above Iowa avg
▼
Rate3.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.68%▲ 1.02% above avgNationally 2.81%
Details
Interest rates subject to change; early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.70% ▲ 0.95 pts · high 3.70% / low 2.75%
- Oct 3, 20263.70%▲ from 2.75%
- Sep 14, 20262.75%first recorded
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
4 Year Share Certificate
$500
3.70%
▲ 1.02% above Iowa avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.68%▲ 1.02% above avgNationally 2.81%
Details
Current rates effective as of October 13, 2026
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
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%
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%
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
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 48 Month
$0
3.60%
▲ 0.92% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.92% above avgNationally 2.81%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $2,000 to $9,999.99
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Bank Plus
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$1,000
3.56%
▲ 0.88% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.68%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 3 times
Leighton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
Step CD - 4 Year Step
$0
3.55%
▲ 0.87% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.87% above avgNationally 2.81%
Details
Step CD: eligible to step up rate once during the CD term, any time after the initial 12 months; Interest Paid: Quarterly; $500 minimum balance for CDs; APY rates effective 8/24/2026 and subject to change
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
First Citizens Bank Mason City, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-Month Term CD
$1,000
3.55%
▲ 0.87% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.68%▲ 0.87% above avgNationally 2.81%
Details
Balance: $50,000.00 and above; Interest compounds and is paid quarterly; One time bump option available
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Months Certificate
$1,000
3.55%
▲ 0.87% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.68%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA 48 Months Certificate
$1,000
3.55%
▲ 0.87% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.68%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Johnston 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6400 NW 86th St, Johnston, IA 50131 2945
IRA/HSA & Share Certificates - 60 Month Certificate
$500
3.50%
▲ 0.80% above Iowa avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 0.80% above avgNationally 2.92%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 3.50% APY
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
60 Month Certificate of Deposit
$10,000
3.00%
▲ 0.30% above Iowa avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 0.30% above avgNationally 2.92%
Details
Balance tier: $10,000-250,000; IRA available ($1,000-250,000)
Rate History
1 change since Sep 19, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5526 Nw 86th St, Johnston, IA 50131
60 Month Certificate of Deposit
$1,000
2.75%
▲ 0.05% above Iowa avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 0.05% above avgNationally 2.92%
Details
Balance tier: $1,000-9,999
Rate History
1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 20, 20262.75%▲ from 2.50%
- Sep 19, 20262.50%first recorded
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 60 month
$0
2.52%
▼ 0.18% below Iowa avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.18% below avgNationally 2.92%
Details
Balance: $50,000.00 & IRA
Rate History
No change since Oct 21, 2026 · 2.52% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 60 month
$0
2.42%
▼ 0.28% below Iowa avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.28% below avgNationally 2.92%
Details
Balance: $15,000.00 - $49,999.99
Rate History
No change since Oct 21, 2026 · 2.42% APY · checked 2 times
Grinnell State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.50%
5601 Merle Hay Rd, Johnston, IA 50131
Certificate of Deposit - 60 month
$0
2.32%
▼ 0.38% below Iowa avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▼ 0.38% below avgNationally 2.92%
Details
Balance: $1,000.00 minimum
Rate History
No change since Oct 21, 2026 · 2.32% APY · checked 2 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
60 Month CD
$0
1.34%
▼ 1.36% below Iowa avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 1.36% below avgNationally 2.92%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.34% APY · checked 3 times
Bank Iowa
Institution Rating:
A5.0 ★Texas Ratio: 12.73%
5580 Merle Hay Rd, Johnston, IA 50131
60 Month Step Up CD
$0
1.19%
▼ 1.51% below Iowa avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▼ 1.51% below avgNationally 2.92%
Details
Balance: $0 - $9,999.99; Min balance to obtain APY: $500
Rate History
No change since Sep 18, 2026 · 1.19% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5721 Merle Hay Rd, Johnston, IA 50131
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%
5721 Merle Hay Rd, Johnston, IA 50131
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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%
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%
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
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
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
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%
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
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
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
CD Specials - 60 Months
$0
4.25%
▲ 1.55% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.55% above avgNationally 2.92%
Details
Balance: $500.00-$124,999.99; Compounding: Quarterly
Rate History
No change since Oct 22, 2026 · 4.25% APY
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$1,000
4.16%
▲ 1.46% above Iowa avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.46% above avgNationally 2.92%
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
FreedomBank Elkader, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Certificate of Deposit
$1,000
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.92%
Details
Balance: $100,000.00 and Over
Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 3 times
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
60 Month Certificate of Deposit (CD)
$0
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.92%
Details
A penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
Iowa State B&T Co. of Fairfield, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate of Deposit - 60 Months
$0
4.04%
▲ 1.34% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.34% above avgNationally 2.92%
Details
Penalty may be charged for funds withdrawn prior to maturity
Rate History
1 change since Sep 14, 2026 · 3.63% → 4.04% ▲ 0.41 pts · high 4.04% / low 3.63%
- Oct 3, 20264.04%▲ from 3.63%
- Sep 14, 20263.63%first recorded
Community Savings Bank Edgewood, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Certificate of Deposit 5 Year
$1,000
4.01%
▲ 1.31% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.70%▲ 1.31% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
Community Savings Bank Edgewood, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
IRA 5 Year
$1,000
4.01%
▲ 1.31% above Iowa avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.70%▲ 1.31% above avgNationally 2.92%
Details
Footnote (7)
Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 2 times
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$1,000
4.00%
▲ 1.30% above Iowa avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.30% above avgNationally 2.92%
Details
Balance: $1,000+; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 60 Month
$0
3.91%
▲ 1.21% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 1.21% above avgNationally 2.92%
Details
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $50,000 to $245,000
Rate History
No change since Oct 14, 2026 · 3.91% APY · checked 3 times
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
Certificate of Deposit 60 Month
$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
Iowa residents in Polk, Jasper, and surrounding counties; Balance: $10,000 to $49,999.99
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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%
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
Fairfax State Savings Bank
Institution Rating:
B+4.6 ★Texas Ratio: 12.90%
Time Certificate of Deposit - 60 months
$1,000
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.92%
Details
Interest rates subject to change; early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 2.75% → 3.80% ▲ 1.05 pts · high 3.80% / low 2.75%
- Oct 3, 20263.80%▲ from 2.75%
- Sep 14, 20262.75%first recorded
First State Bank Stuart, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 60 Months
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.92%
Details
Interest paid monthly; Fees may reduce earnings; penalty may be imposed for early withdrawals
Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
5 YEAR SHARE CERTIFICATE
$500
3.80%
▲ 1.10% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.10% above avgNationally 2.92%
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%
60 Month Certificate of Deposit
$1,000
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.92%
Details
Balance: $0.00 - $24,999.99
Rate History
No change since Oct 14, 2026 · 3.79% APY · checked 3 times
Atkins Savings B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Adjust-A-Rate CD - 60 Months
$1,000
3.79%
▲ 1.09% above Iowa avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Iowa Average2.70%▲ 1.09% above avgNationally 2.92%
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 · 3.79% APY · checked 7 times
North Star Community Credit Union Cherokee, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
5 Year Share Certificate
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.92%
Details
Current rates effective as of October 13, 2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month CD's
$0
3.75%
▲ 1.05% above Iowa avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.92%
Details
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Certificate
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.92%
Details
Dividend rate may be bumped up two times during the remaining term if the rate increases during the initial term
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month IRA Share Certificate
$500
3.75%
▲ 1.05% above Iowa avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Iowa Average2.70%▲ 1.05% above avgNationally 2.92%
Details
Dividend rate may be bumped up two times during the remaining term if the rate increases during the initial term
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 29, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%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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Johnston, IA CD Rate Trends
Compare local Johnston, 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 Johnston, 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 Johnston, Iowa
Tracked in Johnston, Iowa
77 Banks
33 Credit Unions
About Our Johnston, Iowa CD Rate Database
MonitorBankRates tracks 1,441 CD rates from 77 banks and 33 credit unions with locations in Johnston, 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: Empeople Credit Union offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Johnston, Iowa.
How to Find the Best CD Rates in Johnston, Iowa
What to compare when shopping for a CD in Johnston, Iowa
To find the best APYs in Johnston, Iowa, start with credit unions and online-only banks: Johnston, Iowa has 33 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 Johnston, 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 Johnston, Iowa: 110 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Johnston, 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 Johnston, Iowa money market rates
Johnston, Iowa Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.3%
National avg: 17.3%
Median Individual Earnings
$61,597
National avg: $47,340
Poverty Rate
10.2%
National avg: 11.1%
Unemployment Rate
2.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$177/yr
At IA 12-mo avg 2.866% APY
15.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy. At today’s IA 12-month CD average of 2.866%, saving 10% of the local median salary ($6,159/year) and putting it in a CD would earn an additional $177 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 Johnston, 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 Johnston, 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 Johnston, 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 Johnston, Iowa as everywhere in the U.S.
Choosing a CD Term in Johnston, 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 Johnston, Iowa savers easier access to their funds. For example, Empeople Credit Union is offering its IRA/HSA & Share Certificates - 6 Month Certificate at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Empeople Credit Union is offering its IRA/HSA & Share Certificates - 60 Month Certificate at 3.50% 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 Johnston, 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 Johnston, 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 Johnston, 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 Johnston, 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 Johnston, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Johnston, 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 Johnston, Iowa
Are CD rates in Johnston, Iowa FDIC insured?
Yes, most established banks in Johnston, 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 Johnston, 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 Johnston, 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 Johnston, 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 Johnston, Iowa?
Here are recent top rates found for this area:
- Empeople Credit Union: 4.40% APY (IRA/HSA & Share Certificates - 18 Month Certificate)
- Grinnell State Bank: 3.68% APY (6 Month Certificate)
- Charter Bank IA: 3.00% APY (12 Month Certificate of Deposit)
- Bank Iowa: 1.83% APY (18 Month CD)
- Wells Fargo: 1.51% APY (Standard Fixed Rate CD 1 year - Relationship)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
- Serve Credit Union: 4.80% APY (60-Month Certificate)
- Marine Credit Union: 4.66% APY (Jumbo Individual Retirement Account Certificates - 60-month)
- Luana Savings Bank: 4.55% APY (Certificate of Deposit - 36 Month)
- Fidelity Bank & Trust (IA): 4.50% APY (24 Month CD)
Rates reflect recent verified offers available in Johnston, Iowa. Last Updated: October 23, 2026
Johnston, 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 Johnston, 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 Johnston, Iowa
Johnston, Iowa CD Calculator
At today’s IA top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Johnston, 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 Johnston, Iowa CD at 4.40% 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 Johnston, 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 Johnston, 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 Johnston, 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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