Plainfield, Iowa Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Plainfield, Iowa CD rates include First Bank Waverly, IAFirst Bank Waverly, IA620 1st St, Plainfield, IA 50666A+5.0 ★Texas Ratio: 2.66%Real return: +0.95%APY minus CPI (February 2026) offering 12 Months at 3.75% APY, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.61%Real return: +1.50%APY minus CPI (February 2026) offering JUMBO Certificates 18 months at 4.30% APY, Vibrant Credit UnionVibrant Credit UnionA-5.0 ★Texas Ratio: 14.65%Real return: +1.45%APY minus CPI (February 2026) offering 6-month cd at 4.25% APY, Exchange State Bank Ames, IAExchange State Bank Ames, IAA+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 48 Months at 4.25% APY, and Washington State Bank Washington, IAWashington State Bank Washington, IAA+5.0 ★Texas Ratio: 3.74%Real return: +1.45%APY minus CPI (February 2026) offering 24 Months at 4.25% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Plainfield has 3 local institutions in our database, with CD rates as high as 3.75% APY from First Bank Waverly, IA at 620 1st St, Plainfield, IA 50666. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Iowa area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Plainfield, Iowa & the Surrounding Area
Plainfield 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Youth Certificates 3 Month Add-On
$100
4.00%
▲ 2.51% above Iowa avg
▼
Rate3.94%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.51% above avgNationally 1.96%
Details
Only available for members under age 18. Member may add to certificate balance at any time.
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.36% above Iowa avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.36% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
3 Month
$100,000
3.80%
▲ 2.31% above Iowa avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.31% above avgNationally 1.96%
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Platinum Tier
$0
3.80%
▲ 2.31% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.31% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.50%
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 month CD Special
$0
3.75%
▲ 2.26% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.26% above avgNationally 1.96%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate
$5,000
3.75%
▲ 2.26% above Iowa avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.26% above avgNationally 1.96%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Gold Tier
$0
3.70%
▲ 2.21% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.21% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.40%
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
3 Month
$2,000
3.65%
▲ 2.16% above Iowa avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.16% above avgNationally 1.96%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
3 Month
$1,000
3.65%
▲ 2.16% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.16% above avgNationally 1.96%
Details
Interest Compounded and Credited: At Maturity
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
3 Month CD
$0
3.65%
▲ 2.16% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.16% above avgNationally 1.96%
Details
Interest Compounded and Credited At Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Silver Tier
$0
3.60%
▲ 2.11% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.11% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.30%
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
3 Month Certificate
$1,000
3.55%
▲ 2.06% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.06% above avgNationally 1.96%
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Bronze Tier
$0
3.50%
▲ 2.01% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 2.01% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.20%
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
▲ 1.91% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.91% above avgNationally 1.96%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
South Story B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month CD
$0
3.40%
▲ 1.91% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.91% above avgNationally 1.96%
Details
Rate current as of 12/11/25.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD
$0
3.29%
▲ 1.80% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.80% above avgNationally 1.96%
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
3 Month CD
$25,000
3.29%
▲ 1.80% above Iowa avg
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.80% above avgNationally 1.96%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Month
$0
3.14%
▲ 1.65% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.65% above avgNationally 1.96%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
3 Months
$500
3.10%
▲ 1.61% above Iowa avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.61% above avgNationally 1.96%
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
3 Month CD
$10,000
3.03%
▲ 1.54% above Iowa avg
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.54% above avgNationally 1.96%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Month
$0
3.03%
▲ 1.54% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.54% above avgNationally 1.96%
Details
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$1,000
3.00%
▲ 1.51% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.51% above avgNationally 1.96%
Details
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Months
$50,000
2.65%
▲ 1.16% above Iowa avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 1.16% above avgNationally 1.96%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
2.27%
▲ 0.78% above Iowa avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.78% above avgNationally 1.96%
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$500
2.27%
▲ 0.78% above Iowa avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.78% above avgNationally 1.96%
Details
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3-Month Certificate
$0
2.25%
▲ 0.76% above Iowa avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.76% above avgNationally 1.96%
Details
Open online
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
2.17%
▲ 0.68% above Iowa avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.68% above avgNationally 1.96%
Details
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Months
$25,000
2.14%
▲ 0.65% above Iowa avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.65% above avgNationally 1.96%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
2.07%
▲ 0.58% above Iowa avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.58% above avgNationally 1.96%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificate
$0
2.07%
▲ 0.58% above Iowa avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.58% above avgNationally 1.96%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificate
$0
2.05%
▲ 0.56% above Iowa avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.56% above avgNationally 1.96%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
30-90 Day Certificate
$0
2.03%
▲ 0.54% above Iowa avg
▼
Rate2.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.54% above avgNationally 1.96%
Details
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Months
$0
2.00%
▲ 0.51% above Iowa avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.51% above avgNationally 1.96%
Details
Sanborn Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
90 Day CD
$0
1.81%
▲ 0.32% above Iowa avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.32% above avgNationally 1.96%
Details
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Months
$10,000
1.64%
▲ 0.15% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.15% above avgNationally 1.96%
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months
$75,000
1.56%
▲ 0.07% above Iowa avg
▼
Rate1.55%
Min Deposit$75,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.07% above avgNationally 1.96%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
3 Month
$10,000
1.50%
▲ 0.01% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▲ 0.01% above avgNationally 1.96%
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months
$500
1.41%
▼ 0.08% below Iowa avg
▼
Rate1.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.08% below avgNationally 1.96%
Details
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Months
$5,000
1.38%
▼ 0.11% below Iowa avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.11% below avgNationally 1.96%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
3 Month
$1,000
1.25%
▼ 0.24% below Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.24% below avgNationally 1.96%
Details
Boone Bank & Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit (CD) 3 Months
$1,000
1.13%
▼ 0.36% below Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.36% below avgNationally 1.96%
Details
Bank Iowa
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month
$0
1.01%
▼ 0.48% below Iowa avg
▼
Rate1.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.48% below avgNationally 1.96%
Details
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 month term
$1,000
1.00%
▼ 0.49% below Iowa avg
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.49% below avgNationally 1.96%
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Month CD
$0
0.85%
▼ 0.64% below Iowa avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.64% below avgNationally 1.96%
Details
South Ottumwa SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
3 MONTH CD
$500
0.75%
▼ 0.74% below Iowa avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.74% below avgNationally 1.96%
Details
Chelsea Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Month
$0
0.75%
▼ 0.74% below Iowa avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.74% below avgNationally 1.96%
Details
Peoples Credit Union Webster City, IA
Institution Rating:
B+4.8 ★Texas Ratio: 15.37%
3 Month
$0
0.60%
▼ 0.89% below Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 0.89% below avgNationally 1.96%
Details
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$1,000
0.35%
▼ 1.14% below Iowa avg
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 1.14% below avgNationally 1.96%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3 Months - Diamond
$0
0.25%
▼ 1.24% below Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 1.24% below avgNationally 1.96%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3-month CD
$500
0.25%
▼ 1.24% below Iowa avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average1.49%▼ 1.24% below avgNationally 1.96%
Details
Plainfield 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-month cd
$5
4.25%
▲ 2.18% above Iowa avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.18% above avgNationally 2.67%
Details
6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
6-Month CD Special
$0
4.25%
▲ 2.18% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.18% above avgNationally 2.67%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
JUMBO Certificates 6 months
$100,000
4.25%
▲ 2.18% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.18% above avgNationally 2.67%
Details
Limited Time Special
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 months
$1,000
4.15%
▲ 2.08% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.08% above avgNationally 2.67%
Details
Limited Time Special
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month
$0
4.11%
▲ 2.04% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.04% above avgNationally 2.67%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month
$100,000
4.09%
▲ 2.02% above Iowa avg
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 2.02% above avgNationally 2.67%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Months
$100,000
4.05%
▲ 1.98% above Iowa avg
▼
Rate3.99%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.98% above avgNationally 2.67%
Details
Member Loyalty APY: 4.20%
Central State Bank State Center, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Months Special
$1,500
4.04%
▲ 1.97% above Iowa avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.97% above avgNationally 2.67%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 Month
$0
4.01%
▲ 1.94% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.94% above avgNationally 2.67%
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
6-month
$5,000
4.01%
▲ 1.94% above Iowa avg
▼
Rate3.95%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.94% above avgNationally 2.67%
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
IRA Share Certificates - 6-month
$250
4.01%
▲ 1.94% above Iowa avg
▼
Rate3.95%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.94% above avgNationally 2.67%
Details
Penalty: 3 month
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Months
$0
4.00%
▲ 1.93% above Iowa avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.93% above avgNationally 2.67%
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
6 Month
$1,000
4.00%
▲ 1.93% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.93% above avgNationally 2.67%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
6 Months
$500
4.00%
▲ 1.93% above Iowa avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.93% above avgNationally 2.67%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Certificate
$500
4.00%
▲ 1.93% above Iowa avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.93% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Months
$1,000
3.95%
▲ 1.88% above Iowa avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.88% above avgNationally 2.67%
Details
Member Loyalty APY: 4.10%
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month
$2,000
3.94%
▲ 1.87% above Iowa avg
▼
Rate3.90%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.87% above avgNationally 2.67%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6 Month CD
$0
3.90%
▲ 1.83% above Iowa avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.83% above avgNationally 2.67%
Details
Not applicable to IRAs
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
6 Month CD
$0
3.80%
▲ 1.73% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.73% above avgNationally 2.67%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
6 Month CD
$0
3.75%
▲ 1.68% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.68% above avgNationally 2.67%
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Months
$500
3.74%
▲ 1.67% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.67% above avgNationally 2.67%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Youth Certificates 6 months
$0
3.71%
▲ 1.64% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.64% above avgNationally 2.67%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
6 Month CD
$0
3.70%
▲ 1.63% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.63% above avgNationally 2.67%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months - Diamond
$0
3.70%
▲ 1.63% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.63% above avgNationally 2.67%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month
$0
3.68%
▲ 1.61% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.61% above avgNationally 2.67%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.68%
▲ 1.61% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.61% above avgNationally 2.67%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month
$0
3.68%
▲ 1.61% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.61% above avgNationally 2.67%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 Month CD
$0
3.68%
▲ 1.61% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.61% above avgNationally 2.67%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 months
$0
3.66%
▲ 1.59% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.59% above avgNationally 2.67%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months - Platinum
$0
3.65%
▲ 1.58% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.58% above avgNationally 2.67%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
6 Month
$1,000
3.65%
▲ 1.58% above Iowa avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.58% above avgNationally 2.67%
Details
Interest Compounded and Credited: At Maturity
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
6 Month CD
$0
3.65%
▲ 1.58% above Iowa avg
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.58% above avgNationally 2.67%
Details
Interest Compounded and Credited At Maturity
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-MONTH CERTIFICATE
$0
3.61%
▲ 1.54% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.54% above avgNationally 2.67%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
6 Month
$10,000
3.60%
▲ 1.53% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.53% above avgNationally 2.67%
Details
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.58%
▲ 1.51% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.51% above avgNationally 2.67%
Details
Lincoln Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
6 Months
$0
3.55%
▲ 1.48% above Iowa avg
▼
Rate3.51%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.48% above avgNationally 2.67%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month
$0
3.53%
▲ 1.46% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.46% above avgNationally 2.67%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-MONTH CERTIFICATE
$0
3.51%
▲ 1.44% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.44% above avgNationally 2.67%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
6 Months
$0
3.50%
▲ 1.43% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.43% above avgNationally 2.67%
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
Certificate Special 6-month
$0
3.50%
▲ 1.43% above Iowa avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.43% above avgNationally 2.67%
Details
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
6 month special - Relationship Pricing
$0
3.49%
▲ 1.42% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.42% above avgNationally 2.67%
Details
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Business 6 month special - Relationship Pricing
$0
3.49%
▲ 1.42% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.42% above avgNationally 2.67%
Details
Central State Bank State Center, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month
$1,500
3.48%
▲ 1.41% above Iowa avg
▼
Rate3.45%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.41% above avgNationally 2.67%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
6 Month
$0
3.43%
▲ 1.36% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.36% above avgNationally 2.67%
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
▲ 1.33% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.33% above avgNationally 2.67%
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month
$0
3.40%
▲ 1.33% above Iowa avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.33% above avgNationally 2.67%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-MONTH CERTIFICATE
$0
3.40%
▲ 1.33% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.33% above avgNationally 2.67%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
6-Month Term
$0
3.33%
▲ 1.26% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.26% above avgNationally 2.67%
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 Months
$0
3.28%
▲ 1.21% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.21% above avgNationally 2.67%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6-month CD
$5,000
3.28%
▲ 1.21% above Iowa avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.07%▲ 1.21% above avgNationally 2.67%
Details
Plainfield 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
620 1st St, Plainfield, IA 50666
12 Months
$5,000
3.75%
▲ 1.36% above Iowa avg
▼
Rate3.72%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.83%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
JUMBO Certificates 12 months
$100,000
4.25%
▲ 1.86% above Iowa avg
▼
Rate4.18%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.86% above avgNationally 2.83%
Details
Limited Time Special
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
6-12 Month CD Special
$0
4.15%
▲ 1.76% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.76% above avgNationally 2.83%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months - Member Loyalty
$100,000
4.15%
▲ 1.76% above Iowa avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.76% above avgNationally 2.83%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 months
$1,000
4.15%
▲ 1.76% above Iowa avg
▼
Rate4.09%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.76% above avgNationally 2.83%
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month
$100,000
4.14%
▲ 1.75% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.75% above avgNationally 2.83%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1 Year
$500
4.10%
▲ 1.71% above Iowa avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.71% above avgNationally 2.83%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1 Year Star Saver
$0
4.10%
▲ 1.71% above Iowa avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.71% above avgNationally 2.83%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 Month Certificate
$500
4.10%
▲ 1.71% above Iowa avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.71% above avgNationally 2.83%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
12 Month CD
$0
4.06%
▲ 1.67% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.67% above avgNationally 2.83%
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 month
$0
4.06%
▲ 1.67% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.67% above avgNationally 2.83%
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
12 Month CD Special
$0
4.05%
▲ 1.66% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.66% above avgNationally 2.83%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months - Member Loyalty
$1,000
4.05%
▲ 1.66% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.66% above avgNationally 2.83%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
12 Month CD
$0
4.01%
▲ 1.62% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.62% above avgNationally 2.83%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
10-month special, with rollover into 12-month at time of maturity
$5,000
4.00%
▲ 1.61% above Iowa avg
▼
Rate3.99%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.61% above avgNationally 2.83%
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
12 Month
$1,000
4.00%
▲ 1.61% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.61% above avgNationally 2.83%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months
$100,000
4.00%
▲ 1.61% above Iowa avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.61% above avgNationally 2.83%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month
$2,000
3.99%
▲ 1.60% above Iowa avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.60% above avgNationally 2.83%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month & 2 Add-Ons CD
$500
3.99%
▲ 1.60% above Iowa avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.60% above avgNationally 2.83%
Details
Two additional deposits may be made during the 12 month term; minimum deposit of $100 required for each deposit. Age: 18 or younger.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month KIDS CD & 2 Add-Ons
$500
3.99%
▲ 1.60% above Iowa avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.60% above avgNationally 2.83%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
12 Month CD
$0
3.96%
▲ 1.57% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.57% above avgNationally 2.83%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Year
$0
3.96%
▲ 1.57% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.57% above avgNationally 2.83%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
12 Months
$1,000
3.91%
▲ 1.52% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.52% above avgNationally 2.83%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 12 Months
$1,000
3.91%
▲ 1.52% above Iowa avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.52% above avgNationally 2.83%
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
1-year
$5,000
3.91%
▲ 1.52% above Iowa avg
▼
Rate3.85%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.52% above avgNationally 2.83%
Details
Penalty: 3 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
IRA Share Certificates - 1-year
$250
3.91%
▲ 1.52% above Iowa avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.52% above avgNationally 2.83%
Details
Penalty: 3 month
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$10,000
3.90%
▲ 1.51% above Iowa avg
▼
Rate3.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.51% above avgNationally 2.83%
Details
Certificate of Deposit ($10,000-250,000) and IRAs ($1,000-250,000)
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Months
$1,000
3.90%
▲ 1.51% above Iowa avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.51% above avgNationally 2.83%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
12 Month
$0
3.89%
▲ 1.50% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.50% above avgNationally 2.83%
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Month Certificate
$1,000
3.85%
▲ 1.46% above Iowa avg
▼
Rate3.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.46% above avgNationally 2.83%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1 Year
$0
3.85%
▲ 1.46% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.46% above avgNationally 2.83%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
12 Month
$0
3.84%
▲ 1.45% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.45% above avgNationally 2.83%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12-month CD
$25,000
3.80%
▲ 1.41% above Iowa avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.83%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12 Months
$0
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.83%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 12 Months
$0
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.83%
Details
Interest Paid: Quarterly; Auto Renew: Yes
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Month Certificate
$1,000
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.83%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12-month CD
$5,000
3.79%
▲ 1.40% above Iowa avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.40% above avgNationally 2.83%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12-month CD
$500
3.75%
▲ 1.36% above Iowa avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.83%
Details
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
6-12 Month CD Special
$0
3.75%
▲ 1.36% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.83%
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
12 Month Certificate
$1,000
3.75%
▲ 1.36% above Iowa avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.83%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
12 Month CD
$0
3.75%
▲ 1.36% above Iowa avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.83%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
12 Month
$0
3.73%
▲ 1.34% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.34% above avgNationally 2.83%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
12 Month
$10,000
3.70%
▲ 1.31% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.31% above avgNationally 2.83%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 Month CD
$0
3.70%
▲ 1.31% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.31% above avgNationally 2.83%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
12 Month
$0
3.68%
▲ 1.29% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.29% above avgNationally 2.83%
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
12 Month Share Certificate
$0
3.67%
▲ 1.28% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.28% above avgNationally 2.83%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12-MONTH CERTIFICATE
$0
3.66%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.27% above avgNationally 2.83%
Details
Charter Bank IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$1,000
3.65%
▲ 1.26% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.83%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12 Months
$0
3.65%
▲ 1.26% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.83%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special - 12 Month
$250,000
3.65%
▲ 1.26% above Iowa avg
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Plainfield 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
JUMBO Certificates 18 months
$100,000
4.30%
▲ 1.80% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.80% above avgNationally 2.67%
Details
Limited Time Special
TruBank
Institution Rating:
A5.0 ★Texas Ratio: 10.56%
18 Month CD Special
$0
4.20%
▲ 1.71% above Iowa avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.71% above avgNationally 2.67%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
18 months
$1,000
4.20%
▲ 1.71% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.71% above avgNationally 2.67%
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month
$100,000
4.14%
▲ 1.64% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.64% above avgNationally 2.67%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate
$500
4.05%
▲ 1.55% above Iowa avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.55% above avgNationally 2.67%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Farmers Trust and Savings Bank Spencer, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
7-18 Month CD
$5,000
4.00%
▲ 1.51% above Iowa avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.51% above avgNationally 2.67%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month
$2,000
3.99%
▲ 1.50% above Iowa avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.50% above avgNationally 2.67%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
18 Month
$0
3.84%
▲ 1.34% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.34% above avgNationally 2.67%
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18-month
$5,000
3.81%
▲ 1.32% above Iowa avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.32% above avgNationally 2.67%
Details
Penalty: 6 month
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
IRA Share Certificates - 18-month
$250
3.81%
▲ 1.32% above Iowa avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.32% above avgNationally 2.67%
Details
Penalty: 6 month
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18 Months
$0
3.80%
▲ 1.30% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.30% above avgNationally 2.67%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 18 Months
$0
3.80%
▲ 1.30% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.30% above avgNationally 2.67%
Details
Interest Paid: Quarterly; Auto Renew: Yes
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
18 Month
$10,000
3.80%
▲ 1.30% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.30% above avgNationally 2.67%
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
18 Month Certificate
$1,000
3.80%
▲ 1.30% above Iowa avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.30% above avgNationally 2.67%
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 month
$0
3.80%
▲ 1.30% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.30% above avgNationally 2.67%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$0
3.76%
▲ 1.26% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.26% above avgNationally 2.67%
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 months special
$0
3.75%
▲ 1.26% above Iowa avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.26% above avgNationally 2.67%
Details
limited time!
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18-month CD Special
$500
3.75%
▲ 1.26% above Iowa avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.26% above avgNationally 2.67%
Details
Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Some restrictions may apply.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
18 Month
$0
3.73%
▲ 1.23% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.23% above avgNationally 2.67%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18 Months
$0
3.65%
▲ 1.15% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.15% above avgNationally 2.67%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month
$0
3.65%
▲ 1.15% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.15% above avgNationally 2.67%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
18 Month CD
$0
3.60%
▲ 1.11% above Iowa avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.11% above avgNationally 2.67%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$0
3.56%
▲ 1.07% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.07% above avgNationally 2.67%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
18 Month
$0
3.55%
▲ 1.05% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.05% above avgNationally 2.67%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
18 Month
$0
3.53%
▲ 1.03% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.03% above avgNationally 2.67%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months - Member Loyalty
$100,000
3.50%
▲ 1.01% above Iowa avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.01% above avgNationally 2.67%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
18 Months
$500
3.50%
▲ 1.01% above Iowa avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.01% above avgNationally 2.67%
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
18 Month CD
$25,000
3.49%
▲ 1.00% above Iowa avg
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 1.00% above avgNationally 2.67%
Details
Central State Bank State Center, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Months
$1,500
3.43%
▲ 0.94% above Iowa avg
▼
Rate3.40%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.94% above avgNationally 2.67%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
18 Month and Build CD
$0
3.40%
▲ 0.90% above Iowa avg
▼
Rate3.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.90% above avgNationally 2.67%
Details
Interest Compounded and Credited Semi-Annually
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months - Member Loyalty
$1,000
3.40%
▲ 0.90% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.90% above avgNationally 2.67%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
18 Month
$0
3.38%
▲ 0.88% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.88% above avgNationally 2.67%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months
$100,000
3.35%
▲ 0.86% above Iowa avg
▼
Rate3.31%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.86% above avgNationally 2.67%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$0
3.31%
▲ 0.82% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.82% above avgNationally 2.67%
Details
Lincoln Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.31%
18 Months
$0
3.30%
▲ 0.80% above Iowa avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.80% above avgNationally 2.67%
Details
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Jumbo Certificates - minimum opening deposit of 18 month
$90,000
3.30%
▲ 0.80% above Iowa avg
▼
Rate3.25%
Min Deposit$90,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.80% above avgNationally 2.67%
Details
$90,000.00
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
18 Month
$0
3.28%
▲ 0.78% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.78% above avgNationally 2.67%
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$0
3.25%
▲ 0.75% above Iowa avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.75% above avgNationally 2.67%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Months
$1,000
3.25%
▲ 0.75% above Iowa avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.75% above avgNationally 2.67%
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Traditional IRA and Roth IRA 18 Month
$0
3.25%
▲ 0.75% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.75% above avgNationally 2.67%
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
18 Month CD
$10,000
3.24%
▲ 0.75% above Iowa avg
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.75% above avgNationally 2.67%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
18 Month
$500
3.20%
▲ 0.71% above Iowa avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.71% above avgNationally 2.67%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$0
3.19%
▲ 0.69% above Iowa avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.69% above avgNationally 2.67%
Details
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 MONTHS
$500
3.15%
▲ 0.65% above Iowa avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.65% above avgNationally 2.67%
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
18-month IRA
$0
3.11%
▲ 0.61% above Iowa avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.61% above avgNationally 2.67%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
18 Month
$500
3.10%
▲ 0.61% above Iowa avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.61% above avgNationally 2.67%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
18-Month Term
$0
3.09%
▲ 0.59% above Iowa avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.59% above avgNationally 2.67%
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 months
$0
3.04%
▲ 0.54% above Iowa avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.54% above avgNationally 2.67%
Details
Bridge Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$500
3.02%
▲ 0.52% above Iowa avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.52% above avgNationally 2.67%
Details
Clear Lake Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months
$250
3.01%
▲ 0.51% above Iowa avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.50%▲ 0.51% above avgNationally 2.67%
Details
*Add on CD.
Plainfield 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
620 1st St, Plainfield, IA 50666
24 Months
$5,000
3.60%
▲ 1.22% above Iowa avg
▼
Rate3.57%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.22% above avgNationally 2.71%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
JUMBO Certificates 24 months
$100,000
4.30%
▲ 1.92% above Iowa avg
▼
Rate4.23%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.92% above avgNationally 2.71%
Details
Limited Time Special
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Months
$0
4.25%
▲ 1.87% above Iowa avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.87% above avgNationally 2.71%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
24 Month CD
$0
4.22%
▲ 1.84% above Iowa avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.84% above avgNationally 2.71%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 months
$1,000
4.20%
▲ 1.82% above Iowa avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.82% above avgNationally 2.71%
Details
Limited Time Special
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month
$100,000
4.19%
▲ 1.81% above Iowa avg
▼
Rate4.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.81% above avgNationally 2.71%
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Months
$0
4.15%
▲ 1.77% above Iowa avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.77% above avgNationally 2.71%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
24 Month CD
$0
4.11%
▲ 1.73% above Iowa avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.73% above avgNationally 2.71%
Details
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
24 Month Time Share Certificate
$0
4.10%
▲ 1.72% above Iowa avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.72% above avgNationally 2.71%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
24 Month CD
$0
4.06%
▲ 1.68% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.68% above avgNationally 2.71%
Details
Iowa State Bank Clarksville, IA
Institution Rating:
C+4.1 ★Texas Ratio: 25.55%
24 Month CD
$5,000
4.05%
▲ 1.67% above Iowa avg
▼
Rate4.01%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.67% above avgNationally 2.71%
Details
Limited Time Only; Semi Annual
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Months
$0
4.05%
▲ 1.67% above Iowa avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.67% above avgNationally 2.71%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month
$2,000
4.04%
▲ 1.66% above Iowa avg
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.66% above avgNationally 2.71%
Details
PSB Wellsburg, IA
Institution Rating:
A5.0 ★Texas Ratio: 12.17%
24 Month
$1,000
4.00%
▲ 1.62% above Iowa avg
▼
Rate3.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.62% above avgNationally 2.71%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
24 Month CD
$0
4.00%
▲ 1.62% above Iowa avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.62% above avgNationally 2.71%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate
$500
4.00%
▲ 1.62% above Iowa avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.62% above avgNationally 2.71%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.61% above avgNationally 2.71%
Details
Treasury Rates**: 4.20%
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months - Diamond
$0
3.95%
▲ 1.57% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.57% above avgNationally 2.71%
Details
Washington State Bank Washington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Months
$0
3.95%
▲ 1.57% above Iowa avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.57% above avgNationally 2.71%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months - Platinum
$0
3.90%
▲ 1.52% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.52% above avgNationally 2.71%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$0
3.87%
▲ 1.49% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.49% above avgNationally 2.71%
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 month CD Special
$0
3.85%
▲ 1.47% above Iowa avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.71%
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24-Month CD Special
$500
3.85%
▲ 1.47% above Iowa avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.71%
Details
CD special is available for a limited time. Rates may change without notice. Any fees incurred could reduce earnings. A penalty may be imposed for early withdrawal of funds.
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2 Year
$0
3.85%
▲ 1.47% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.71%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
24 Month
$0
3.84%
▲ 1.46% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.46% above avgNationally 2.71%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Months
$0
3.80%
▲ 1.42% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.42% above avgNationally 2.71%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 24 Months
$0
3.80%
▲ 1.42% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.42% above avgNationally 2.71%
Details
Interest Paid: Quarterly; Auto Renew: Yes
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$0
3.76%
▲ 1.38% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.38% above avgNationally 2.71%
Details
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
24 Months
$0
3.75%
▲ 1.37% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.71%
Details
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
24 Month Certificate
$1,000
3.75%
▲ 1.37% above Iowa avg
▼
Rate3.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.71%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2 Year
$0
3.75%
▲ 1.37% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.71%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
24 Month
$0
3.73%
▲ 1.35% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.35% above avgNationally 2.71%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24-MONTH CERTIFICATE
$0
3.66%
▲ 1.28% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.28% above avgNationally 2.71%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Months
$0
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.71%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month
$0
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.71%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
2 Years
$500
3.60%
▲ 1.22% above Iowa avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.22% above avgNationally 2.71%
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Kids1st CDs 24 months
$0
3.56%
▲ 1.18% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.18% above avgNationally 2.71%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
Youth Certificates 24 months
$0
3.56%
▲ 1.18% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.18% above avgNationally 2.71%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 Month
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.71%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Months
$1,000
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.71%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 24 Months
$1,000
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.71%
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 month
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.71%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
24 Month
$0
3.53%
▲ 1.15% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.15% above avgNationally 2.71%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
24 Month
$10,000
3.50%
▲ 1.12% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.12% above avgNationally 2.71%
Details
Fidelity Bank Savanna, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
20-month special, with rollover into 24-month at time of maturity
$5,000
3.50%
▲ 1.12% above Iowa avg
▼
Rate3.49%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.12% above avgNationally 2.71%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
24 Month CD
$0
3.50%
▲ 1.12% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.12% above avgNationally 2.71%
Details
Bank Midwest
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24-Month CD
$0
3.45%
▲ 1.07% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.07% above avgNationally 2.71%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
24 Months - Member Loyalty
$100,000
3.45%
▲ 1.07% above Iowa avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.07% above avgNationally 2.71%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
24 Month
$0
3.38%
▲ 1.00% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.00% above avgNationally 2.71%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
24 Months - Member Loyalty
$1,000
3.35%
▲ 0.97% above Iowa avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.97% above avgNationally 2.71%
Details
Plainfield 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month
$100,000
4.14%
▲ 1.76% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.76% above avgNationally 2.66%
Details
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.63% above avgNationally 2.66%
Details
Treasury Rates**: 4.25%
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month
$2,000
3.99%
▲ 1.61% above Iowa avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.61% above avgNationally 2.66%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$0
3.92%
▲ 1.54% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.54% above avgNationally 2.66%
Details
BankIowa
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 month CD Special One Way
$0
3.85%
▲ 1.47% above Iowa avg
▼
Rate3.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.66%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$0
3.85%
▲ 1.47% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.66%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year
$0
3.85%
▲ 1.47% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.47% above avgNationally 2.66%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$0
3.82%
▲ 1.44% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.44% above avgNationally 2.66%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
36 Month CD
$0
3.80%
▲ 1.42% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.42% above avgNationally 2.66%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Months
$0
3.80%
▲ 1.42% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.42% above avgNationally 2.66%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 36 Months
$0
3.80%
▲ 1.42% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.42% above avgNationally 2.66%
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
36 Month
$0
3.79%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.41% above avgNationally 2.66%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3 Year
$0
3.75%
▲ 1.37% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.66%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
JUMBO Certificates 36 months
$100,000
3.75%
▲ 1.37% above Iowa avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.66%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate
$500
3.75%
▲ 1.37% above Iowa avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.37% above avgNationally 2.66%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36-MONTH CERTIFICATE
$0
3.71%
▲ 1.33% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.33% above avgNationally 2.66%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
36 Month CD
$0
3.70%
▲ 1.32% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.32% above avgNationally 2.66%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Months
$0
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
36 Month Certificate
$1,000
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$0
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month
$0
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
3 Years
$500
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 months
$1,000
3.65%
▲ 1.27% above Iowa avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.27% above avgNationally 2.66%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
36 Month CD
$0
3.60%
▲ 1.22% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.22% above avgNationally 2.66%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Trade A Rate (Renewable)
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
36 Months
$1,000
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
One Bump - Up per Term
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 36 Months
$1,000
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
One Bump - Up per Term
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
IRA 36 Month Share Certificate
$0
3.55%
▲ 1.17% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.17% above avgNationally 2.66%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
36 Month
$0
3.53%
▲ 1.15% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.15% above avgNationally 2.66%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month
$0
3.53%
▲ 1.15% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.15% above avgNationally 2.66%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
36 Month
$10,000
3.50%
▲ 1.12% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.12% above avgNationally 2.66%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
36 Month CD
$0
3.50%
▲ 1.12% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.12% above avgNationally 2.66%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$0
3.44%
▲ 1.06% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.06% above avgNationally 2.66%
Details
Palo Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 Month Trade A Rate (Renewable)
$0
3.44%
▲ 1.06% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.06% above avgNationally 2.66%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$0
3.40%
▲ 1.02% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.02% above avgNationally 2.66%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month
$500
3.40%
▲ 1.02% above Iowa avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.02% above avgNationally 2.66%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month
$0
3.38%
▲ 1.00% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 1.00% above avgNationally 2.66%
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
36-month IRA
$0
3.35%
▲ 0.97% above Iowa avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.97% above avgNationally 2.66%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$0
3.34%
▲ 0.96% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.96% above avgNationally 2.66%
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Traditional IRA and Roth IRA 36 Month
$0
3.31%
▲ 0.93% above Iowa avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.93% above avgNationally 2.66%
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
36 Month
$500
3.30%
▲ 0.92% above Iowa avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.92% above avgNationally 2.66%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
36 Month
$0
3.28%
▲ 0.90% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.90% above avgNationally 2.66%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
36 Month
$1,000
3.25%
▲ 0.87% above Iowa avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.87% above avgNationally 2.66%
Details
Interest Compounded and Credited: Semi-Annually
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
36 Month CD
$0
3.25%
▲ 0.87% above Iowa avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.87% above avgNationally 2.66%
Details
Interest Compounded and Credited Semi-Annually
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
36-Months
$0
3.25%
▲ 0.87% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.87% above avgNationally 2.66%
Details
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 month
$0
3.25%
▲ 0.87% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.87% above avgNationally 2.66%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
36 months
$0
3.25%
▲ 0.87% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.87% above avgNationally 2.66%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
36-Month Term
$0
3.24%
▲ 0.86% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.38%▲ 0.86% above avgNationally 2.66%
Details
Plainfield 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank Waverly, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
620 1st St, Plainfield, IA 50666
48 Months
$2,500
3.35%
▲ 0.96% above Iowa avg
▼
Rate3.32%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.96% above avgNationally 2.65%
Details
Exchange State Bank Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months
$0
4.25%
▲ 1.86% above Iowa avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.86% above avgNationally 2.65%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month
$100,000
4.14%
▲ 1.75% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.75% above avgNationally 2.65%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month
$2,000
3.99%
▲ 1.60% above Iowa avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.60% above avgNationally 2.65%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$0
3.97%
▲ 1.58% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.58% above avgNationally 2.65%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$0
3.87%
▲ 1.48% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.48% above avgNationally 2.65%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year
$0
3.85%
▲ 1.46% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.46% above avgNationally 2.65%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
48 Month CD
$0
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.65%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Months
$0
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.65%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 48 Months
$0
3.80%
▲ 1.41% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.41% above avgNationally 2.65%
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
48 Month
$0
3.79%
▲ 1.40% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.40% above avgNationally 2.65%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48-MONTH CERTIFICATE
$0
3.76%
▲ 1.37% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.37% above avgNationally 2.65%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4 Year
$0
3.75%
▲ 1.36% above Iowa avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.36% above avgNationally 2.65%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
48 Month CD
$0
3.70%
▲ 1.31% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.31% above avgNationally 2.65%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
4 Years
$500
3.70%
▲ 1.31% above Iowa avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.31% above avgNationally 2.65%
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
48-Month CD
$0
3.65%
▲ 1.26% above Iowa avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.65%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Months
$0
3.65%
▲ 1.26% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.65%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Citizens Savings Bank Spillville, IA
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
48 Month Certificate
$1,000
3.65%
▲ 1.26% above Iowa avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.26% above avgNationally 2.65%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
48 Month CD
$0
3.60%
▲ 1.21% above Iowa avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.21% above avgNationally 2.65%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$0
3.55%
▲ 1.16% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.16% above avgNationally 2.65%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Months
$1,000
3.55%
▲ 1.16% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.16% above avgNationally 2.65%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 48 Months
$1,000
3.55%
▲ 1.16% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.16% above avgNationally 2.65%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
48 Month
$0
3.53%
▲ 1.14% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.14% above avgNationally 2.65%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month
$0
3.53%
▲ 1.14% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.14% above avgNationally 2.65%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
48 Month 1 Step Up
$10,000
3.50%
▲ 1.11% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.11% above avgNationally 2.65%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$0
3.50%
▲ 1.11% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.11% above avgNationally 2.65%
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Certificate
$500
3.50%
▲ 1.11% above Iowa avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.11% above avgNationally 2.65%
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$0
3.45%
▲ 1.06% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.06% above avgNationally 2.65%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month
$500
3.45%
▲ 1.06% above Iowa avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.06% above avgNationally 2.65%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$0
3.44%
▲ 1.05% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 1.05% above avgNationally 2.65%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month
$0
3.38%
▲ 0.99% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.99% above avgNationally 2.65%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
48 Month CD
$0
3.35%
▲ 0.96% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.96% above avgNationally 2.65%
Details
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
48-month IRA
$0
3.35%
▲ 0.96% above Iowa avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.96% above avgNationally 2.65%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month
$500
3.35%
▲ 0.96% above Iowa avg
▼
Rate3.31%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.96% above avgNationally 2.65%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$0
3.34%
▲ 0.95% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.95% above avgNationally 2.65%
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Traditional IRA and Roth IRA 48 Month
$0
3.33%
▲ 0.94% above Iowa avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.94% above avgNationally 2.65%
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month
$500
3.30%
▲ 0.91% above Iowa avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.91% above avgNationally 2.65%
Details
Bridge Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$500
3.28%
▲ 0.89% above Iowa avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.89% above avgNationally 2.65%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
48 Month
$0
3.28%
▲ 0.89% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.89% above avgNationally 2.65%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
48 Month and Access CD
$0
3.25%
▲ 0.86% above Iowa avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.86% above avgNationally 2.65%
Details
Interest Compounded and Credited Semi-Annually
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
48-Months
$0
3.25%
▲ 0.86% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.86% above avgNationally 2.65%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
48 Month CD
$0
3.25%
▲ 0.86% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.86% above avgNationally 2.65%
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Certificates 48 month
$500
3.25%
▲ 0.86% above Iowa avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.86% above avgNationally 2.65%
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
IRA Share Certificates 48 month
$500
3.25%
▲ 0.86% above Iowa avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.86% above avgNationally 2.65%
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
48-Month Term
$0
3.24%
▲ 0.85% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.85% above avgNationally 2.65%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 months
$0
3.20%
▲ 0.81% above Iowa avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.81% above avgNationally 2.65%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month
$500
3.20%
▲ 0.81% above Iowa avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.81% above avgNationally 2.65%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
48 Months - Member Loyalty
$100,000
3.15%
▲ 0.76% above Iowa avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.76% above avgNationally 2.65%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
48 Month
$500
3.15%
▲ 0.76% above Iowa avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.76% above avgNationally 2.65%
Details
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 MONTHS
$0
3.14%
▲ 0.75% above Iowa avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.39%▲ 0.75% above avgNationally 2.65%
Details
Plainfield 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
5 Year
$100,000
4.14%
▲ 1.68% above Iowa avg
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.68% above avgNationally 2.76%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$0
4.02%
▲ 1.56% above Iowa avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.56% above avgNationally 2.76%
Details
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
5 Year
$2,000
3.99%
▲ 1.53% above Iowa avg
▼
Rate3.95%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.53% above avgNationally 2.76%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year
$0
3.96%
▲ 1.50% above Iowa avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.50% above avgNationally 2.76%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$0
3.92%
▲ 1.46% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.46% above avgNationally 2.76%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
60 Month CD
$0
3.91%
▲ 1.45% above Iowa avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.45% above avgNationally 2.76%
Details
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Year
$0
3.85%
▲ 1.39% above Iowa avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.39% above avgNationally 2.76%
Details
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60-MONTH CERTIFICATE
$0
3.82%
▲ 1.36% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.36% above avgNationally 2.76%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
60 Month CD
$0
3.80%
▲ 1.34% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.34% above avgNationally 2.76%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60 Months
$0
3.80%
▲ 1.34% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.34% above avgNationally 2.76%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Traditional and Roth IRAs - 60 Months
$0
3.80%
▲ 1.34% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.34% above avgNationally 2.76%
Details
Interest Paid: Quarterly; Auto Renew: Yes
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
60 Month
$0
3.79%
▲ 1.33% above Iowa avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.33% above avgNationally 2.76%
Details
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
5 Years
$500
3.75%
▲ 1.29% above Iowa avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.29% above avgNationally 2.76%
Details
SSB West Des Moines, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.86%
60 Month CD
$0
3.70%
▲ 1.24% above Iowa avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.24% above avgNationally 2.76%
Details
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60 Months
$0
3.65%
▲ 1.19% above Iowa avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.19% above avgNationally 2.76%
Details
Interest Paid: Quarterly; Automatically Renewable: Yes
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
60-month IRA
$0
3.60%
▲ 1.14% above Iowa avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.14% above avgNationally 2.76%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$0
3.55%
▲ 1.09% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.09% above avgNationally 2.76%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Months
$1,000
3.55%
▲ 1.09% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.09% above avgNationally 2.76%
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
IRA 60 Months
$1,000
3.55%
▲ 1.09% above Iowa avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.09% above avgNationally 2.76%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month
$500
3.55%
▲ 1.09% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.09% above avgNationally 2.76%
Details
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
60-month
$0
3.53%
▲ 1.07% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.07% above avgNationally 2.76%
Details
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
60 Month
$0
3.53%
▲ 1.07% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.07% above avgNationally 2.76%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month
$0
3.53%
▲ 1.07% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.07% above avgNationally 2.76%
Details
Primebank
Institution Rating:
A5.0 ★Texas Ratio: 9.02%
60 Month 2 Step Ups
$10,000
3.50%
▲ 1.04% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.04% above avgNationally 2.76%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$0
3.50%
▲ 1.04% above Iowa avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.04% above avgNationally 2.76%
Details
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Certificates 60 month
$500
3.50%
▲ 1.04% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.04% above avgNationally 2.76%
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
IRA Share Certificates 60 month
$500
3.50%
▲ 1.04% above Iowa avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.04% above avgNationally 2.76%
Details
During the initial term, if the dividend rate increases on 36-month, 48-month or a 60-month Share Certificates, you are eligible to bump up your dividend rate two times for the remaining term of your certificate.
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5 Years
$10,000
3.50%
▲ 1.04% above Iowa avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 1.04% above avgNationally 2.76%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$0
3.45%
▲ 0.99% above Iowa avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.99% above avgNationally 2.76%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month
$500
3.45%
▲ 0.99% above Iowa avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.99% above avgNationally 2.76%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$0
3.44%
▲ 0.98% above Iowa avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.98% above avgNationally 2.76%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month
$500
3.40%
▲ 0.94% above Iowa avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.94% above avgNationally 2.76%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month
$0
3.38%
▲ 0.92% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.92% above avgNationally 2.76%
Details
F&M State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
60 Month CD
$0
3.35%
▲ 0.89% above Iowa avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.89% above avgNationally 2.76%
Details
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Traditional IRA and Roth IRA 60 Month
$0
3.35%
▲ 0.89% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.89% above avgNationally 2.76%
Details
Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Other penalties may apply. Withdrawal of earnings could reduce APY.
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$0
3.34%
▲ 0.88% above Iowa avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.88% above avgNationally 2.76%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month
$500
3.30%
▲ 0.84% above Iowa avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.84% above avgNationally 2.76%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$25,000
3.29%
▲ 0.83% above Iowa avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.83% above avgNationally 2.76%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$5,000
3.28%
▲ 0.82% above Iowa avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.82% above avgNationally 2.76%
Details
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
60 Month
$0
3.28%
▲ 0.82% above Iowa avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.82% above avgNationally 2.76%
Details
Community Bank Dunlap, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60-month CD
$500
3.25%
▲ 0.79% above Iowa avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.79% above avgNationally 2.76%
Details
Marion County State Bank
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
60 Month and Access CD
$0
3.25%
▲ 0.79% above Iowa avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.79% above avgNationally 2.76%
Details
Interest Compounded and Credited Semi-Annually
PSB Indianola, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60-Months
$0
3.25%
▲ 0.79% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.79% above avgNationally 2.76%
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
60 Month CD
$0
3.25%
▲ 0.79% above Iowa avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.79% above avgNationally 2.76%
Details
First Citizens Bank Mason City, IA
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
60-Month Term
$0
3.24%
▲ 0.78% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.78% above avgNationally 2.76%
Details
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
3.22%
▲ 0.76% above Iowa avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.76% above avgNationally 2.76%
Details
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
60 months
$0
3.20%
▲ 0.74% above Iowa avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.74% above avgNationally 2.76%
Details
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
60 Month
$500
3.20%
▲ 0.74% above Iowa avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.74% above avgNationally 2.76%
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
60 Months - Member Loyalty
$100,000
3.15%
▲ 0.69% above Iowa avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.69% above avgNationally 2.76%
Details
Farmers State Bank Yale, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months
$500
3.14%
▲ 0.68% above Iowa avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Iowa Average2.46%▲ 0.68% above avgNationally 2.76%
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Plainfield, IA CD Rate Trends
Compare local Plainfield, 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
2.386%
▼ 0.241 vs 7 days ago
Iowa 12-month CD rates fell 0.241 points over the past 7 days to 2.386% APY.
6-Month CD — IA Avg
2.072%
▼ 0.457 vs 7 days ago
Iowa 6-month CD rates fell 0.457 points over the past 7 days to 2.072% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
IA CD Rate Forecast — Next 12 Months
Where are Iowa CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
IA 12-Month Avg APY
2.386%
6-Month Forecast
2.386%
Range: 2.19% – 2.54%
12-Month Forecast
2.136%
Range: 1.94% – 2.29%
Powered by
MonitorBankRates
What Your Savings Earn at IA CD Rates Today
Annual interest earnings at today’s Iowa average APYs. State average used where available; national average as fallback.
| CD Term | IA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.486% | $74.29 | $148.57 | $371.43 | $742.85 |
| 6-Month CD | 2.072% | $103.58 | $207.16 | $517.90 | $1,035.80 |
| 12-Month CD | 2.386% | $119.30 | $238.60 | $596.50 | $1,193.00 |
| 18-Month CD | 2.495% | $124.75 | $249.50 | $623.75 | $1,247.50 |
| 24-Month CD | 2.376% | $118.78 | $237.56 | $593.90 | $1,187.80 |
| 36-Month CD | 2.379% | $118.95 | $237.89 | $594.72 | $1,189.45 |
| 48-Month CD | 2.390% | $119.48 | $238.95 | $597.38 | $1,194.75 |
| 60-Month CD | 2.456% | $122.77 | $245.55 | $613.87 | $1,227.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Plainfield, 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 | 1.486% | $74.29 |
| 2 | 6-Month CD | $5,000 | 2.072% | $103.58 |
| 3 | 12-Month CD | $5,000 | 2.386% | $119.30 |
| 4 | 24-Month CD | $5,000 | 2.376% | $118.78 |
| 5 | 36-Month CD | $5,000 | 2.379% | $118.95 |
| Total ($25,000 invested) | $25,000 | 2.140% blended | $534.90/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.
826
CD Rates
Tracked in Plainfield, Iowa
Tracked in Plainfield, Iowa
65 Banks
32 Credit Unions
About Our Plainfield, Iowa CD Rate Database
MonitorBankRates tracks 826 CD rates from 65 banks and 32 credit unions with locations in Plainfield, Iowa, plus national online institutions available to Iowa residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: First Bank Waverly, IA offers a CD at 3.75% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in Plainfield, Iowa.
How to Find the Best CD Rates in Plainfield, Iowa
What to compare when shopping for a CD in Plainfield, Iowa
To find the best APYs in Plainfield, Iowa, start with credit unions and online-only banks — Plainfield, Iowa has 32 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 Plainfield, 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 Plainfield, Iowa — 97 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Plainfield, 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 Plainfield, Iowa money market rates
Iowa Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
18.1%
National avg: 17.3%
Median Individual Earnings
$44,180
National avg: $47,340
Poverty Rate
11.1%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At IA 12-mo avg 2.386% APY
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s IA 12-month CD average of 2.386%, saving 10% of the local median salary ($4,418/year) and putting it in a CD would earn an additional $105 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 Plainfield, Iowa
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Plainfield, 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 Plainfield, 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 Plainfield, Iowa as everywhere in the U.S.
Choosing a CD Term in Plainfield, 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 Plainfield, Iowa savers easier access to their funds. For example, Vibrant Credit Union is offering its 6-month cd at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Luana Savings Bank is offering its 5 Year at 4.14% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Plainfield, 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 Plainfield, 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 Plainfield, 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 Plainfield, 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 Plainfield, Iowa
Most CDs carry a fixed rate that is locked for the entire term, protecting a Plainfield, 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 Plainfield, Iowa
Are CD rates in Plainfield, Iowa FDIC insured?
Yes, most established banks in Plainfield, 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 Plainfield, 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 Plainfield, 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 Plainfield, 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 Plainfield, Iowa?
Here are recent top rates found for this area:
- First Bank Waverly, IA: 3.75% APY (12 Months)
- Cedar Falls Community Credit Union: 4.30% APY (JUMBO Certificates 18 months)
- Vibrant Credit Union: 4.25% APY (6-month cd)
- Exchange State Bank Ames, IA: 4.25% APY (48 Months)
- Washington State Bank Washington, IA: 4.25% APY (24 Months)
- SSB West Des Moines, IA: 4.22% APY (24 Month CD)
- TruBank: 4.20% APY (18 Month CD Special)
- Luana Savings Bank: 4.19% APY (24 Month)
- Cobalt Federal Credit Union: 4.15% APY (12 Months - Member Loyalty)
- New Albin Savings Bank: 4.11% APY (6 Month)
Rates reflect recent verified offers available in Plainfield, Iowa. Last Updated: August 28, 2026
Plainfield, 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 Plainfield, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Plainfield, Iowa
Plainfield, Iowa CD Calculator
At today’s IA top rate of 3.75% APY, a $10,000 deposit earns $375 in the first year. Enter your amount to see your exact return.
Plainfield, Iowa CD LadderIA CD rates currently range from 1.486% (3-month) to 2.379% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Plainfield, Iowa CD at 3.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIowa’s average 12-month CD is 2.386% 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 Plainfield, 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 Plainfield, 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 Plainfield, 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: August 28, 2026
Plainfield, Iowa Rates & Resources
Plainfield, Iowa Mortgage Rates
Plainfield, Iowa Home Equity Loan Rates
Plainfield, Iowa Savings Rates
Plainfield, Iowa Money Market Rates
Plainfield, Iowa Checking Rates
Plainfield, Iowa Auto Loan Rates
Plainfield, Iowa Personal Loan Rates
Plainfield, Iowa Homeowners Insurance
Plainfield, Iowa Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking